How it works

Text Message scams use text messages to establish contact with the intended victim to access their personal information later.

The scam begins with a supposedly urgent text appearing to be from the victim’s financial institution. The text may claim that the victim’s checking account is locked or that an unauthorized purchase has been charged to the victim’s account. The scammer will warn that immediate action must be taken.

The victim is then instructed to call a specified number and, upon doing so, will be asked to share their financial information.

Recognizing text message scams

If you receive a text message claiming you have fraud on your credit or debit card. We will always provide the last four digits of your card number, a case number, and a number to contact.

If you feel uncomfortable answering the text, you can reach us at 704-435-0186.

Protecting yourself

1. Always use two-factor authentication for banking apps and sites.
2. Use strong and different passwords across your accounts and apps.
3. Ignore all text messages from unknown numbers.

Please always contact us if you are suspicious of a text message from Carolina FCU, and we will be happy to help!

We’re thrilled to introduce the new Carolina Federal Credit Union Mobile App, designed with you in mind! You can continue to use your same login ID and password to access your account. If you have any questions, please feel free to reach out—we’re here to help!

Download the app directly with the links below:

Check out the video below for a preview and demo of the app, and explore these new features:

• Face ID and One-Time Passcodes: Use biometric authentication for secure and easy logins with Face ID, and enhance security with Two-Factor Authentication for temporary, single-use verification. Set up preferences to fit your needs.
• Set up alerts to monitor your account: Customize real-time alerts to keep track of important account activity. Get notified about balance changes, deposits, withdrawals, and card transactions. Alerts help you stay informed and protect against unauthorized activity.
• View account balances and transfer funds: Instantly view your account balances and easily transfer funds between your accounts. Whether you’re moving money within our credit union or to/from accounts at other financial institutions, it’s all at your fingertips.
• Remote Check Deposit: Deposit checks securely and conveniently by using your smartphone’s camera to capture images of the check. The feature is integrated directly into the app, so you won’t need to log in again, streamlining your banking experience.
• Pay bills from your mobile device: Manage all your bills with ease. Schedule one-time or recurring payments for utilities, credit cards, and other services. You can even add new billers and activate eBills to streamline your payment process.
• Send and receive money using Zelle®: Use Zelle® to send or request money from friends, family, or trusted contacts quickly. Transactions are typically completed within minutes, making it easier to handle shared expenses, reimbursements, and more.
• Manage transfers, payments, and more: Schedule future transfers, view and edit pending payments, and access additional features like Instant Balance for quick balance checks without logging in. 

Stay tuned—this is just the beginning. We have a range of exciting features and updates on the way that will enhance your experience even further! 

There are a few features that will initially be available only through Online Banking:

• E-Statements: E-Statements will need to be accessed within Online Banking only. You can find them on the homepage, located to the right or below the list of your accounts.
• Credit Card Single Sign-On: Please note that the single sign-on feature for credit cards will also only be available through Online Banking for the time being. While we aim to update this feature in the future, members can access the EZCard website by logging into Online Banking and clicking on their “credit card” account, which will take them directly to their credit card details.

We’re here to help if you have any questions. Contact us anytime, and enjoy exploring your new mobile banking app experience!

We’re thrilled to introduce our new mobile app in two short weeks, designed with you in mind! Coming Wednesday, November 13th!

With the app, you’ll have quick and easy access to:

• Face ID and One Time Passcodes: Use biometric authentication for secure and easy logins with Face ID, and enhance security with Two-Factor Authentication for temporary, single-use verification. Set up preferences to fit your needs.
• Set up alerts to monitor your account: Customize real-time alerts to keep track of important account activity. Get notified about balance changes, deposits, withdrawals, and card transactions. Alerts help you stay informed and protect against unauthorized activity.
• View account balances and transfer funds: Instantly view your account balances and easily transfer funds between your accounts. Whether you’re moving money within our credit union or to/from accounts at other financial institutions, it’s all at your fingertips.
• Remote Check Deposit: Deposit checks securely and conveniently by using your smartphone’s camera to capture images of the check. The feature is integrated directly into the app, so you won’t need to log in again, streamlining your banking experience.
• Pay bills from your mobile device: Manage all your bills with ease. Schedule one-time or recurring payments for utilities, credit cards, and other services. You can even add new billers and activate eBills to streamline your payment process.
• Send and receive money using Zelle®: Use Zelle® to send or request money from friends, family, or trusted contacts quickly. Transactions are typically completed within minutes, making it easier to handle shared expenses, reimbursements, and more.
• Manage transfers, payments, and more: Schedule future transfers, view and edit pending payments, and access additional features like Instant Balance for quick balance checks without logging in. 

Stay tuned—this is just the beginning. We have a range of exciting features and updates on the way that will enhance your experience even further! For more information visit our video tutorial and demo or contact us directly if you have any further questions. 

There are a few features that will initially be available only through Online Banking:

• E-Statements: E-Statements will need to be accessed within Online Banking only. You can find them on the homepage, located to the right or below the list of your accounts.
• Credit Card Single Sign On: Please note that the single sign-on feature for credit cards will also only be available through Online Banking for the time being. While we aim to update this feature in the future, members can access the EZCard website by logging into Online Banking and clicking on their “credit card” account, which will take them directly to their credit card details.

We appreciate your understanding as we continue to improve our services. If you have any questions or need assistance, please feel free to contact us! 

We are excited to announce that we are enhancing the way you log into online banking and the upcoming new mobile app! Starting on Thursday, October 24th, when you log into your online banking account, you’ll be prompted to enter a 6-digit Two-Factor Authentication code. This code will be sent to the phone number we have on file, either via text message or phone call, ensuring an extra layer of security for your account.

Important: To ensure a smooth transition, it is crucial that you update your phone number with us before this release. This can be done through your settings within online banking. 

This 6-digit code will replace the traditional security questions for logging in, providing you with a more secure and streamlined experience. You will not need to enter a one-time passcode every time you log in.

On October 24th, you will also be prompted to answer 5 new security questions. Please remember that these answers are case-sensitive, so ensure you record them accurately. While the one-time passcodes will take precedence, we still need your responses to the security questions for any potential future verification.

With this new feature, you’ll now be able to set up custom alerts via text message! To activate, simply navigate to the Settings in Online Banking, click “Security and Alerts,” and select “Alerts.” You can choose from a variety of alerts, such as when a withdrawal exceeds a certain amount or when your account balance falls below or rises above a set threshold. Stay informed and in control, wherever you are!

If you have any questions or concerns, please do not hesitate to contact us. On the day of the release, we recommend contacting us via email at memberservice@carolinafcu.org, as this will be the quickest and easiest way to get assistance.

Thank you for your understanding and cooperation as we work to enhance your online and mobile banking experiences!

We appreciate your patience and understanding as we enhance our online banking platform. While we can’t provide a specific launch date for our new mobile app yet, we anticipate it will be available within the next 2-3 months. We’ll share the exact date as soon as it is confirmed. Thank you for your continued support.

Our new mobile app will continue to offer the convenient mobile banking you’re used to, with exciting new features on the way.  Enjoy easy account access, bill pay, and fund transfers. Strengthen your security with Face or Touch ID, and customize alerts to your preferences – by text or email. With one simple login, you can transfer funds, deposit checks remotely, use Zelle®, and more. Soon, you’ll enjoy even greater security with one-time passcodes instead of security questions. We’re also thrilled to announce upcoming features like debit card control, letting you easily turn your card on or off, request a reissue, and dispute charges right in the app. We’re excited to introduce this new app soon and will keep you updated.

With our current mobile app, we will continue to temporarily move the online banking link outside of the app since functionalities such as Face and Touch ID are currently unavailable. We’re actively seeking solutions for members who rely on these features and apologize for any inconvenience.

We understand that our current mobile banking app may not always perform most effectively with this online banking platform, and we are diligently working on introducing a new mobile app. In the meantime, you may access paying bills and using Zelle through an external browser (such as Safari or Google).

During this transition, if you have any questions or concerns, please email us at memberservice@carolinafcu.org. It’s the most efficient way for us to address your inquiries promptly and thoroughly.

For more information, please click here. 

– Carolina Federal Credit Union Team

We want to inform you of an upcoming maintenance period affecting our credit card payment services. Please note the following details of service downtime from Thursday, July 11th, 2024, at 5:00 PM ET to Monday, July 15th, 2024, at 5:00 PM ET.

During this time, members will not be able to make credit card payments through our branch or online banking. To avoid any inconvenience, please make any necessary credit card payments by Thursday, July 11th, 2024, before 4:59 PM ET. If payments are not made by this deadline, members will need to wait until Monday, July 15th, 2024, after 5:00 PM ET to make payments. If you are unable to make your payment by July 11th, please let us know, and we will assist you.

During this period, your credit card will still work for purchases, and you can still view your credit card details in online banking by clicking on your credit card information and using our single sign-on feature. Additionally, if you make any payments through the EZ Card system, these payments will not be affected.

Please let us know if you have any questions or need any assistance during this time. 

Summer is here, and the days are longer, warmer, and full of possibilities! Whether you’re soaking up the sun or looking for new adventures, making the most of the season doesn’t have to break the bank. Discover nine ways to enjoy summer on a budget!

1. Check out neighborhood business freebies. These include shows, demonstrations, and activities that local businesses host to generate summer traffic.
2. Visit the library. You’ll find free crafts for kids, story time, discussion groups, and other fun ways to enjoy summer at no cost.
3. Embrace the outdoors. Think hiking trails, beaches, scenic lookouts, and stargazing in your backyard.
4. Set up a homemade carnival and invite the neighborhood kids to be your guests.
5. Take up a forgotten hobby that doesn’t cost much.
6. Swap homes with a friend or relative who lives in another city for a cost-free, temporary change of scenery.
7. Check out local farms for free admission hours.
8. Support the local aspiring talent by attending backyard band concerts.
9. Go for the weekday matinee special and save loads on theater tickets.

See helpful tips for this transition below. 

We appreciate your patience and understanding as we enhance our online banking platform. While we can’t provide a specific launch date for our new mobile app yet, we anticipate it will be available within the next 2-3 months. We’ll share the exact date as soon as it is confirmed. Thank you for your continued support.

Our new mobile app will continue to offer the convenient mobile banking you’re used to, with exciting new features on the way.  Enjoy easy account access, bill pay, and fund transfers. Strengthen your security with Face or Touch ID, and customize alerts to your preferences – by text or email. With one simple login, you can transfer funds, deposit checks remotely, use Zelle®, and more. Soon, you’ll enjoy even greater security with one-time passcodes instead of security questions. We’re also thrilled to announce upcoming features like debit card control, letting you easily turn your card on or off, request a reissue, and dispute charges right in the app. We’re excited to introduce this new app soon and will keep you updated.

At this time, we will continue to temporarily move the online banking link outside of the Carolina FCU mobile app since functionalities such as Face and Touch ID are currently unavailable within the app. We’re actively seeking solutions for members who rely on these features and apologize for any inconvenience.

We understand that our current mobile banking app may not always perform most effectively with this online banking platform and we are diligently working on introducing a new mobile app. In the meantime, you may access paying bills and using Zelle through an external browser (such as Safari or Google).

During this transition, if you have any questions or concerns, feel free to email us at memberservice@carolinafcu.org. It’s the most efficient way for us to address your inquiries promptly and thoroughly. 

Below, we have provided helpful tips for your initial login, favoriting accounts, and more. While the changes are currently minimal, they signify a significant step towards the development of an entirely new mobile app later this year, as well as an exceptional online banking platform in the future. Though exact dates are yet to be finalized, this updated app will introduce enhanced features such as card controls, text notifications, and much more, all aimed at enriching our members’ experiences.

We thank you for your patience and ongoing support!

First Login

If you are currently enrolled in Online Banking, your Login ID (User ID) and Security Code (Password) will remain the same. When you log on to VB Next for the first time, you will be prompted to accept the terms and conditions and enter a mobile number and unique email address if one does not exist in the online banking system. A mobile number should be used, but any valid phone number is currently acceptable in this field.

Virtual Branch Next (VB Next) will replace our current Virtual Branch experience. With Virtual Branch Next comes new features, such as:
Enhanced search features (keyword search)
Easier site navigation and quick link options
Customizable features such as favorite accounts

Transfers, Pay Bills, Settings and more on Mobile Phone

To navigate to Accounts, Transfers, Pay Bills, Messages, Settings, and Terms and Conditions tabs in Virtual Branch Next, simply click on the hamburger button (the three horizontal lines) to access the menu on the top left-hand side of the screen. For quick transfers, access the ‘Transfer Money’ option below the list of accounts.  

Adding and Removing Favorite Accounts

Your favorite accounts, which you may have previously set up in our previous online banking platform, are now available again. To manage these favorites or add new ones, follow these steps:

1. Click on the hamburger button (the three horizontal lines) to access the menu on the top left-hand side of the screen
2. Select ‘Settings’ from the menu options.
3. Within ‘Settings,’ choose ‘Accounts.’
4. Locate the account you wish to set as a favorite and click ‘Edit.’
5. From the editing options, select ‘Add to Favorites’ or unselect as per your preference.

Enrollment

If you have never enrolled in Online Banking, you can now self-enroll with Virtual Branch Next. Click “Enroll in Online Banking,” verify that you are not a robot, and complete the following steps:

• Enter your member number
• Enter your PIN (the last 4 digits of your Social Security Number)
• For the address number, enter the digits of your address. For example, if your address is 1505 N. Pine Street, you will enter 1505. If your address is a P.O. Box, enter the digits of the P.O. Box instead (P.O. Box 333 would enter 333).

Please note that your login ID cannot be: your member number, email address, or social security number.

Update: Single Sign-On Credit Cards

Virtual Branch Next is a Single Sign-on (SSO) for the Credit Card Portal (EZ Card), and cardholders can continue to access their CFCU credit card accounts via the Loan Account.