Frequently Asked Questions
Are my records with the credit union safe?
Yes. 5Point backs up our system data on a daily basis and stores backups at an offsite location. In an evacuation, multiple sets are sent to different parts of the United States for safekeeping.
Will I have access to cash should I have to evacuate?
Yes, but the best course of action is to plan ahead; get cash in advance from any 5Point location. Plan for at least 3-4 days of expenses for your family (i.e. – hotel, food, gas, etc). If you have a debit card, you will have access to cash from any ATM terminal or point-of-sale purchase. You will also have access to cash via your credit card cash advances. Ensure that you know your PIN.
What happens if power is lost or heavy flooding occurs in the areas where 5Point branches are located?
Should either of these situations occur, we have plans in place to prevent significant impact to our operations. Our members should feel little disruption in our services.
Is the credit union a member of the “Credit Union Shared Branch” system?
Yes. You can visit any shared branch to make account inquiries, withdrawals, deposits, and transfers, make loan payments, and cash your checks while you are away from the area. Click here
to locate a shared branch.
Are any of the safe deposit vaults waterproof?
No. We encourage you to purchase inexpensive waterproof bags to place the contents of your box in ahead of time.
How is my direct deposit to my account affected if 5Point offices are closed?
In most cases, your deposit should post as normal.
Can I deposit checks if 5Point offices are closed?
Yes. If we are closed, you can deposit checks using our deposit taking ATMs found at the Lumberton, Beaumont, Nederland, Port Arthur, and Bridge City 5Point locations. You can also deposit checks using mobile deposit
on your 5Point mobile app.