Frequently Asked Questions

You have access to thousands of ATMs across the United States, all with no surcharge.

Find an ATM Location

Download the instructions to learn how to setup your internet banking and mobile app.

With the Expree network, you have access to more than 5,000 shared branches across the country. You can visit a shared branch to make deposits, withdrawals, transfers, and more.

Find a Shared Branch

Let us know when and where you plan to travel. We’ll work to make sure your account is not flagged.

View the debit card tutorial.

View the eZCard Tutorial.

• Internet Banking with Expree
• How to Look for Pending Direct Deposits
• How to Make P2P Payments
• Send a Check To Yourself via Internet Banking
• Accessing Credit Cards through Internet Banking

Navigating New Statements

Pull Internet Banking Through Financial Apps

Address Change in Internet Banking

There are many ways you can qualify to join Expree. Visit the "Join Expree Credit Union" page for a complete list for member eligibility.

The routing number for all accounts at Expree is 283978467.

According to the Wall Street Journal, they are. Credit unions are nonprofit organizations, and can often offer better rates than banks. Plus, you enjoy hands-on attention from members of your community.

Identity theft occurs when someone steals your identity by using personal data about you such as your name, social security number, date of birth and financial information. Thieves then use this information to open charge accounts, order merchandise or borrow money in your name. The money lost due to identity theft went from $442 million in 1995 to $800 million in 2000. As much as $2 billion a year may result from the major financial loss of credit card related identity theft. As consumers, each of us are paying for their loss when we pay our bills.

How do they do it?

• Trash diggers get copies of credit card receipts, credit applications and other information that have been placed in trash containers.
• Mail thieves take letters out of personal mailboxes or steal letters waiting to be picked up by postal carriers.
• Purse snatchers take personal information and use it or sell it to others.
• Thieves get books and catalogs with your name, address and date of birth so they can go on spending sprees
• Internet abusers can get information about any of us.
• Payroll, personnel department and credit bureau employees can access someone’s records and sell personal information about that person to the highest bidder

Who is at risk?

Each of us is a potential victim. It can happen to anyone. So Protect Yourself!

• Do not give out any vital information, such as your birth date and social security number, to solicitors or retailers.
• Do not dispose of any personal identifying documents (prescriptions, receipts, bank deposit slips, pay stubs, expired credit cards, insurance policies, credit card applications) without first destroying the material.
• Shred discarded items, if possible.
• Do not give out any personal information during telephone calls from solicitors.

If you are a victim, you should contact the following:

• The Federal Trade Commission at 1-877-ID-THEFT (1-877-438-4338).
• The law enforcement agency that has jurisdiction where the crime occurred and where you live.
• The U.S. Postal Inspector at your post office if you think your identity may have been compromised as the result of lost or stolen mail or if you think an identity thief has filed a change of address on you.
• Your creditors if any of your credit has been compromised.
• The Social Security Administration at 1-800-269-0271 for social security number misuse.
• The numbers provided for your ATM and debit cards if your card or account number has been compromised.
• The court where any false judgments may have been entered against you so they can be notified you are a victim of identity theft. Victims of identity theft can be wrongfully accused of crimes committed by the thief.
• The United States Secret Service at 1-(502) 582-5171 in Louisville and 1-(859) 233-2453 in Lexington.
• The Division of Financial Integrity Enforcement, Office of the Attorney General, 1024 Capital Center Drive, Frankfort, KY 40601 or by calling (502) 695-5300 or toll free at 1-800-804-7556.

Would you like to verify who is checking your credit?

By contacting the credit bureaus listed below, you can now have control of who receives a credit report on you. By putting a fraud alert on your account, any of the companies listed below that are requested to complete a credit report on your account will automatically contact you to verify the application.

• TransUnion 1-800-680-7289
• Equifax 1-800-272-9281
• Experian 1-888-397-3742

Opt-out of Pre-approved Offers of Credit or Insurance 1-888-5 OPTOUT (1-888-567-8688)

This information reprinted from pamphlet information provided by the Office of the Attorney General Financial Integrity Division.

As your credit union, we strive to stay on top of the latest methods used by fraudsters and identity thieves. Stay in the know by following our blog and social media.

The Federal Trade Commission, or FTC, is the nation’s consumer protection agency. They work to prevent fraud, deception, and unfair business practices in the marketplace. Learn more at ftc.gov.

The FTC also manages OnGuardOnline.gov. There, you can find tips to help you stay safe online.

If you receive social security, VA benefits, or other federal benefits by check, you are required to switch to electronic payments. For more information, visit godirect.org.

Expree’s Cash Back Visa allows cardholders to earn back a percentage of the money they spend with the card.

To earn rewards, simply make purchases with the card. You’ll earn 2% cash back on gas and groceries and 1% cash back on all other purchases. Non-purchase transactions, such as cash advances and balance transfers, are not eligible.

With the Expree Cash Back credit card, the total cash back amount is automatically deposited into your primary savings account at Expree Credit Union each month.

No action is required to redeem cash back earnings. The full amount earned is automatically paid out each month.

However you’d like. Once your cash back earnings are deposited into savings, they can be used for virtually anything.

Yes! Simply transfer the funds from savings to your credit card account.

No. They are automatically paid each month.

Doing a balance transfer is most helpful when you need more time to pay off debt, and you want to avoid paying high interest rates. Doing so can save you on interest while allowing you to pay off your debts quicker.

If you reduce the high utilization rate on your card by transferring all or part of the balance, your credit score will increase. Congratulations! Though, keep in mind that a hard inquiry will lead to a slight decrease in your credit score initially, but it should bounce back in no time.

When you complete a balance transfer, you repay your existing debt with a new credit card, which transfers your balance to the new credit card. The purpose is usually to reduce the interest you’re paying so you can save on interest and pay off your debt sooner.

If you use a balance transfer card that raises your rate after the promotional period and you don’t pay off your balance during the promo period, you could wind up paying the regular interest rate on your card. That’s no good! Thankfully, at Expree, our balance transfer cards come with a fixed rate, so you don’t have to worry about a rate hike in the future.

They’re hard to find, but we’ve got one! We believe in helping you save without making you pay, that’s why our Expree Visa Platinum Credit Card has a $0 balance transfer fee. You’re welcome!

Your balance transfer can take a couple of weeks to process depending on how you complete your request.

You can use your balance transfer card to transfer balances from your credit cards, personal loans, and auto loans.