FAQs

You have questions, we have answers.

To assist you, we have compiled a short-list of the most frequently asked questions. We hope that these questions and answers will address many of your concerns.

A credit union is a not-for-profit, cooperative financial institution owned and controlled by its members. Credit Unions were created by Congress in 1934. Baptist Health South Florida FCU was founded in 1961.

A Credit Union is a not-for-profit cooperative owned by its members, run by a volunteer board of directors where members have a vote - your opinion matters. A bank is a for-profit financial institution owned by its stockholders, run by a paid board of directors. With a bank, profits go to the stockholders. At a Credit Union, the profits are returned to the members through lower loan rates and fewer fees. Credit Unions exist to serve their members (you) rather than to maximize corporate profits.

Membership is limited to those in the field of membership. Our targeted member is the employees of BHSF and their immediate family members.

Come into one of our offices or join online. If you come into one of our offices make sure to bring your Drivers' License, Social Security Card, and proof of eligibility with you. Or, you can contact a Member Service Representative to receive more information on our products and services and the necessary paperwork to get started.

A $5.00 one-time membership fee is due at the time you open your share/savings account along with a minimum deposit of $5.00.

A $5.00 minimum balance is required to maintain membership in the Credit Union.

Yes! After you join, anyone related by blood, marriage, or adoption is an eligible family member.

Baptist Health South Florida Federal Credit Union 13200 SW 128th Street, Suite C1, Miami, FL 33186.

267082201

You need to have the ABA/Routing and Transit number, account number, exact name and address on the account, and the name and address of the institution where you would like to wire the money. You can download the appropriate Wire Transfer Form or visit a branch location to speak with a Member Relations Representative.

Once the form is complete, submit it in-person at a branch or email the completed form to contactcenter@bhsffcu.org.

Note: There is a fee for incoming and outgoing wire transfers.

You can log into Online Banking or call (786) 257-2300 and select option 1 to use the Credit Union's Telephone Inquiry System. These services are FREE and allow you access to your account 24 hours a day, 7 days a week. More information and complete usage instructions are available online. You can also access your account by using one of our ATMs, conveniently located within BHSF facilities.

For after-hours debit or credit card support, call (786) 257-2300 and select option 5.

You can view your Account Number/Member Number by logging into Online Banking, the mobile app or contact us via phone 786-257-2300.

Follow the directions below.

To find your Account Number or Member Number in Online Banking:

Login to online banking
Select the account and click on Account Information

To find your Account Number or Member Number in the Mobile App:

Login to the BHSFFCU Mobile App
Select the account you would like to view (Checking/Savings)
View the Account details tab and click on the eye icon to see the full account number

You may close your credit union account in a branch or by calling our main phone number 786-257-2300.

To help protect your account from fraud and unauthorized transactions, the following daily limits apply to Baptist Health South Florida FCU Debit Cards:

ATM Cash Withdrawals: Up to $800 per day
Debit Card Purchases (Point-of-Sale and Merchant Transactions): Up to $3,000 per day

These limits are subject to available funds in your account and may be restricted by individual ATM operators. Daily limits reset 24 hours after your last transaction. If you need a temporary limit increase, please contact us for assistance.

NCCL is a short-term loan designed to provide quick access to funds for eligible members. A member may have only one No Credit Check Loan at a time.

Requirements to qualify.

Must be a BHSFFCU member for at least 90 days.
Must have employment or receive retirement/disability income.
Must have active direct deposit into your Credit Union account.
Your Credit Union accounts are in good standing.
You do not currently have an active NCCL loan.
You have not exceeded two NCCL loans within the past 6 months.
If you recently paid off an NCCL loan, you have waited at least 24 hours before applying again.

Loan Terms: