• DEBIT – If you lost your debit card or it has been stolen, you can change your card’s status through your online banking account. Sign into your Volunteer Federal online banking account. Select “Accounts,” then select the appropriate account. Go to “Card Management” and choose the card you want to manage. From there, you will be able to toggle the card status to on or off or report your card as lost or stolen. For assistance over the phone, debit card customers can also call 866-546-8273. 
• CREDIT – You can change the status of your lost or stolen card through your online banking account.  Sign into your Volunteer Federal online banking account. Select “Accounts,” then select the appropriate account. Go to “Card Management” and choose the card you want to manage. From there, you will be able to toggle the card status to on or off or report your card as lost or stolen. For assistance over the phone, credit card customers can also call 855-293-2458.

• DEBIT – If you see an unauthorized transaction on your debit card, please contact your local Volunteer Federal branch as soon as possible for assistance. 
• CREDIT – If you see an unauthorized transaction on your credit card, please call 855-293-2458.

To add a travel notice to your debit card and/or credit card, please give your local branch a call or the bank’s bookkeeping department at 423-442-9988 before leaving for your trip. Adding a travel notice will help prevent out-of-state transactions from being flagged as suspicious. Have a safe trip! 

Volunteer Federal has a default daily spending limit on debit cards. To inquire about the limit or to request an increase to the limit, please contact your local branch for assistance.  

Some merchants have agreements with Visa, which allows Visa to automatically update a customer’s card when a new card is ordered. No matter if the new card is in the customer’s possession yet or not, those merchants automatically update the card information through Visa Account Updater (VAU).  

For additional information, visit: https://usa.visa.com/dam/VCOM/download/merchants/visa-account-updater-product-information-fact-sheet-for-merchants.pdf 

If you need to reset your online banking password, you can reset your password by selecting “Forgot” on the sign-in screen, or you can call your local branch or Volunteer Federal’s Bookkeeping Department at 423-442-9988 for assistance.  

eStatements are available for online and/or mobile banking customers for FREE!

To enroll in eStatements, follow these steps:

• Login to your online and/or mobile banking account
• Select the account you want to enroll into eStatements
• Select the “Documents” tab
• Complete the information requested
• If you ever want to make changes to your enrollment, select “Sign Up/Changes.”

To make a principal-only payment, sign into your online banking account. From the menu, choose “Transfer.” Choose the account you want to transfer from and the account you want to transfer to, then enter the amount of the transfer. Choose “More Options,” which will allow you to set up the frequency of the transfer, schedule the date for the transfer and type in a memo line. In the memo line, type “Principal-Only Payment.”  

For additional assistance, please reach out to your local branch.  

Sometimes when an existing customer opens a new account, we have to refresh the access permissions to update the online banking profile. If you cannot see a new account on your profile, please send us a message through online banking or contact the bank’s Bookkeeping Department at 423-442-9988.  

Volunteer Federal has sending limits for Zelle users. To inquire about the limit, please contact your local branch for assistance. 

There are limits for external transfers with Volunteer Federal. To inquire about the limit, please contact your local branch for assistance. 

Yes, you can activate your new debit card in your online banking by selecting the account the card is attached to, choosing “Card Management,” selecting the card, and then “Activate new card.” However, you will need to visit an ATM to change the temporary pin you received with the new card. 

Debit cards can also be activated at the ATM by doing a balance inquiry or a withdrawal transaction.  

Volunteer Federal’s Bill Pay service is a safe way to pay your bills. Because only you can access your online banking login and the Bill Pay service with your account information, account numbers and payment history, you have better control of your privacy and a safeguard against identity theft due to lost or stolen checks, bills and statements.  

If you sign in on a desktop computer and go to “Manage Payments” after accessing Bill Pay through your online banking, you will have a variety of options available to make changes to your Bill Pay account, including changing payee information, deleting a payee, adding a payee, and viewing a calendar of your scheduled bill payments. There is also a FAQ section that can be found there regarding Bill Pay.  

If you scheduled a payment for a date that falls on a holiday or during a weekend, the payment will post on the next business day following the holiday or weekend.  

Bill payments can be scheduled for the current business day or any date in the future, however, they will only be processed twice a day at 8 a.m. EST and 3 p.m. EST. For example, if you schedule a payment for the same day after 3 p.m. EST, the payment will be processed the following business day at 8 a.m. EST. Anything scheduled on a non-business day will process the business day prior to the non-business day unless you indicate otherwise when setting up the bill payment. To cancel or change a scheduled payment, the request must be submitted before the next processing time. Otherwise, the payment will be processed according to its instructions.   

Typically, mobile deposits are rejected because the endorsement requirements are incorrect or there are concerns about the check itself. For mobile deposits at Volunteer Federal, the endorsement area of the check needs the signature of the person(s) the check is made out to, the account number the check is being deposited into, and the wording For Mobile Deposit at VFSB. If your mobile deposit was rejected and you need information about why, please contact the bank’s Bookkeeping Department at 423-442-9988 for assistance.  

We recommend keeping the check for 60 days after you have submitted a check for mobile deposit.  

All mobile deposits are reviewed by Volunteer Federal Savings Bank employees before they are approved and reflected in a customer’s account. Mobile deposits are reviewed only during business hours. If a deposit is made after business hours, the mobile deposit will not be verified and available to the customer until the next business day. 

Volunteer Federal does not offer online account opening at this time. To discuss opening a new account, please stop by one of our branches to meet with an account representative. No appointment is necessary, but you may have a brief waiting period if our account representatives are busy with other customers.  

You can initiate a stop payment through your online banking profile or by contacting your local branch. A $35 fee is assessed to complete a stop payment.  

To start the stop payment process online, sign into your online banking profile from a desktop computer and choose the deposit account where you want the stop payment to be applied. From there, select “Stop Payments” and follow the prompts. Please note that a signature is required within 14 days for a stop payment to be finalized. Once finalized, stop payments are effective for six months from the date the stop payment was applied.  

We currently do not have an option to order checks online. To order checks, please call or stop by your local branch at your convenience.  

To learn about our current rates and specials, please call or stop by your local branch at your convenience to speak to an account representative.  

https://www.fdic.gov/consumers/overdraft/overdraft-hi-rez.pdf

We’re here to help! Simply call or visit your local branch to share your concern with a branch manager. 

Volunteer Federal does not offer online account opening at this time. To discuss opening a new account, please stop by one of our branches to meet with an account representative. No appointment is necessary, but you may have a brief waiting period if our account representatives are busy with other customers.  

You can initiate a stop payment through your online banking profile or by contacting your local branch. A $35 fee is assessed to complete a stop payment.  

To start the stop payment process online, sign into your online banking profile from a desktop computer and choose the deposit account where you want the stop payment to be applied. From there, select “Stop Payments” and follow the prompts. Please note that a signature is required within 14 days for a stop payment to be finalized. Once finalized, stop payments are effective for six months from the date the stop payment was applied.  

We currently do not have an option to order checks online. To order checks, please call or stop by your local branch at your convenience.  

To learn about our current rates and specials, please call or stop by your local branch at your convenience to speak to an account representative.  

https://www.fdic.gov/consumers/overdraft/overdraft-hi-rez.pdf

We’re here to help! Simply call or visit your local branch to share your concern with a branch manager. 

To inquire about your payoff amount, please give any of our branches a call for assistance.  

To apply for a Volunteer Federal credit card, please call or stop by your local branch to speak to one of our loan officers.  

A fixed–rate mortgage retains the same interest rate for the life of the loan. An adjustable-rate mortgage (ARM) has an interest rate that adjusts over time based on the market. An ARM may charge less interest during the introductory period, but after that period ends, a change in interest rates will impact your payments.  

Under Federal law, you have the right to obtain a free copy of your credit report from each of the nationwide consumer reporting agencies once a year.  To order your free annual credit report:

• By telephone:  Call toll-free: 1-877-322-8228
• On the web:  Visit www.annualcreditreport.com
• By mail:  Mail your completed Annual Credit Report Request Form, which you can obtain from the Federal Trade Commission’s website at http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf to:

Annual Credit Reporting Request Service
P.O. Box 105281
Atlanta, GA  30348-5281