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Help Center

Find answers to common questions. If you can’t find what you’re looking for, give us a call or chat with us.

Auto Loans

See our auto leases page for more information on financing your lease.

Branch Services

Both are completely free for our members. Notary services cost $5 for non-members. Be sure to bring a form of identification along with you.

Acceptable Forms of Identification for Notary Services
  • State-issued driver’s license
  • State-issued identification card
  • U.S. passport issued by the U.S. Department of State
  • U.S. military ID
  • State, county and local government IDs
  • Permanent resident card, or “green card,” issued by the U.S. Citizenship and Immigration Services*
  • Foreign passport*
  • Driver’s license officially issued in Mexico or Canada*

 

No, you are welcome to just stop by. However, since only some of our employees are certified to handle signature guarantees, you may want to call ahead to make sure they are in the office.

Please bring the following documents if you’d like a signature guarantee:

  • Fitzsimons membership card and member number
  • Non-expired government ID (such as a drivers license or passport)
  • A recent account statement showing the value of the transaction, stock, or shares
  • Documents which request the Signature Guarantee. These are usually sent out by the brokerage.

If you’re transferring ownership due to a death, you’ll also need to bring the death certificate, estate documents, and the Letters Testamentary or Letters of Administration

You can find safe deposit boxes at our Southlands and Fitzsimons branch locations.

Find a Branch

There are a few penalty fees for certain scenarios:

  • Late Payment (over 30 days): $30.00
  • Drilling (abandoned box, etc.): $250.00
  • Lost Key: $45.00

 

Safe Deposit Box Costs

Sizes and Annual Rent
5″x5″ $53.00
3″x10″ $60.00
5″x10″ $66.00
10″x10″ $132.00

Business Checking

In addition to checking, we offer a full suite of online services, business loans, and business credit cards.

The documents that you’ll need vary by the type of business you have. For a helpful guide, see our “Required Docs by Business Type” at the bottom of the page.

Checking Accounts

1. First step is to login into the Online Banking Portal.  Click the envelope icon in the top right corner.

2. To send a new message click on the “Compose Message” button.  A new menu will appear.

3. Click the account that your message pertains to (If any). Select “other” as the subject option.

4. For a travel notification, please include the following:

-The Fitzsimons card number(s) you plan to use during your trip.

-Dates you will be out of the state/country

-Places you plan to travel to, with specific dates you plan to be in a particular location if possible.

5. Send your message. Our Communications Center Team answers messages M-F from (8:30 AM – 5:00 PM) You can expect a reply within 1-2 business days.

For more step-by-step instructions, check out our video tutorial.

-Log into the Fitzsimons Mobile App. Click the deposit tab to access the remote check deposit feature

-Select the account you would like the funds deposited to and enter in the amount you would like to deposit.

Get your check ready for deposit

-Check the front of the check to make sure everything is filled out correctly

-Sign the back. Then right below the payee signature(s) write “For FFCU Mobile Deposit Only”

Time to deposit your check

-Center the back of the check on a clean surface in a space with ample light.

-Line your check up with the guidelines shown on the mobile app. Take a picture of the front and back.

Your check is deposited

-Checks deposited on a business day before 2pm are normally available by 5pm that same day. Deposits made after 2pm or on a non-business day will be made by 5pm the next available business day.

Click here to view our video tutorial

Please call 844-368-1829 to replace a lost or stolen card.

To get a new PIN or to reset your PIN attempts, please call 844-368-1829.

New debit cards are free for new cardholders. There may be a fee for reissuing lost or stolen debit cards. Please contact us for more information.

You can get a free Visa Debit Card right at a Fitzsimons branch the same day you open your checking account. To get a chip-enabled card, please call or email us.

Credit Cards

1. First step is to login into the Online Banking Portal.  Click the envelope icon in the top right corner.

2. To send a new message click on the “Compose Message” button.  A new menu will appear.

3. Click the account that your message pertains to (If any). Select “other” as the subject option.

4. For a travel notification, please include the following:

-The Fitzsimons card number(s) you plan to use during your trip.

-Dates you will be out of the state/country

-Places you plan to travel to, with specific dates you plan to be in a particular location if possible.

5. Send your message. Our Communications Center Team answers messages M-F from (8:30 AM – 5:00 PM) You can expect a reply within 1-2 business days.

For more step-by-step instructions, check out our video tutorial.

Please call (800) 558-3424 to change your PIN or reset your PIN tries.

Please call (800) 558-3424 to replace a lost or stolen card.

Debit Card Text Alerts

The “My Location” controls and alerts will check to ensure the merchant location is within a 5-mile radius of the device set as primary within CardValet®. These controls impact in-store transactions only, so internet transactions are not impacted.

You’ll need to enter the same level of detail entered for the original card. This information generally includes the card number, address, expiration date, and CVV/CVC code. Additionally, secondary authentication may include the last 4 digits of the social security number or a security token sent via email. Multiple individuals can register the same card as long as they know the card details.

Yes. Cardholders can register multiple cards within a single CardValet® app. Additional
cards can be added within the Menu>Manage Portfolio>Add Card screen. Members can register up to 15 cards.

 

You must create a unique login account for each financial institution. Each login account
is applicable for a single financial institution. In the login page, the logo of the last
logged-in financial institution appears.

CardValet® is a free service, however, message and data rates may apply.

We generally flag transactions that have larger sums or transactions that originate from distant locations that are outside of your normal activity. If you do plan to go on a trip, be sure to notify our team about any travel plans that you may have.

Debit Cards

1. First step is to login into the Online Banking Portal.  Click the envelope icon in the top right corner.

2. To send a new message click on the “Compose Message” button.  A new menu will appear.

3. Click the account that your message pertains to (If any). Select “other” as the subject option.

4. For a travel notification, please include the following:

-The Fitzsimons card number(s) you plan to use during your trip.

-Dates you will be out of the state/country

-Places you plan to travel to, with specific dates you plan to be in a particular location if possible.

5. Send your message. Our Communications Center Team answers messages M-F from (8:30 AM – 5:00 PM) You can expect a reply within 1-2 business days.

For more step-by-step instructions, check out our video tutorial.

Please call 844-368-1829 to replace a lost or stolen card.

To get a new PIN or to reset your PIN attempts, please call 844-368-1829.

New debit cards are free for new cardholders. There may be a fee for reissuing lost or stolen debit cards. Please contact us for more information.

Nope. Using a digital wallet solution is totally your choice. You can add and remove cards at any time.

Digital Services

Never forget a loan payment ever again with PayPromptTM! Receive friendly monthly text reminders from Fitzsimons Credit Union and keep track of your loan balance progress.

To opt-in text “FITZFCU” to 32576. You’ll receive a message that looks something like this:
Fitzsimons FCU: Reply YES to receive recurring monthly payment msgs. Msg&Data rates may apply. Reply HELP for info.

Opt-in by replying YES.

*Messaging and data rates may apply.

1. First step is to login into the Online Banking Portal.  Click the envelope icon in the top right corner.

2. To send a new message click on the “Compose Message” button.  A new menu will appear.

3. Click the account that your message pertains to (If any). Select “other” as the subject option.

4. For a travel notification, please include the following:

-The Fitzsimons card number(s) you plan to use during your trip.

-Dates you will be out of the state/country

-Places you plan to travel to, with specific dates you plan to be in a particular location if possible.

5. Send your message. Our Communications Center Team answers messages M-F from (8:30 AM – 5:00 PM) You can expect a reply within 1-2 business days.

For more step-by-step instructions, check out our video tutorial.

-Log into the Fitzsimons Mobile App. Click the deposit tab to access the remote check deposit feature

-Select the account you would like the funds deposited to and enter in the amount you would like to deposit.

Get your check ready for deposit

-Check the front of the check to make sure everything is filled out correctly

-Sign the back. Then right below the payee signature(s) write “For FFCU Mobile Deposit Only”

Time to deposit your check

-Center the back of the check on a clean surface in a space with ample light.

-Line your check up with the guidelines shown on the mobile app. Take a picture of the front and back.

Your check is deposited

-Checks deposited on a business day before 2pm are normally available by 5pm that same day. Deposits made after 2pm or on a non-business day will be made by 5pm the next available business day.

Click here to view our video tutorial

Digital Wallet

If your phone (or another device) is ever lost or stolen, please reach out to us at (303) 340-3343 or send us an email through the Online Banking Portal as soon as you can. We will temporarily block your card. You can also deactivate your device by placing it in “Lost Mode”.

You can also review these detailed instructions:

Unfortunately, not all devices/carriers are compatible with each digital wallet provider. You can review compatibility options on Apple, Google, and Samsung’s support sites.

When you add a card to Samsung Pay, Apple Pay or Google Pay, the card number isn’t stored on your actual device. You’ll be assigned a unique Account Number, which is encrypted and securely stored on your phone. Every time you make a purchase, a unique transaction number is generated. Your card info is never shared with merchants, reducing the chance of your personal information being compromised.

You can access Apple Pay through the Wallet app, which comes pre-downloaded on compatible iPhones and watches. Open the app, and it will guide you through the process of adding your cards.

The Google Pay app is available through both the Apple App Store and Google Play. Once you download, the app will guide you through the process of adding your cards.

 

Samsung Pay comes preloaded on most capable devices. You can head to the Google Play Store to reinstall it if you need to. Simply open the app, and you’ll be prompted to add cards. If you have a Samsung watch, open the Galaxy Wearable app on your phone to set it up.

Dreamer Loan

If you need help with your application or need more information about eligibility requirements, please don’t hesitate to contact us. You must be 18 to apply. If you’re under 18, you can apply jointly with a parent or guardian. To qualify for a Dreamer Loan, you’ll need:

  • A Share or SAFE account with good standing
  • A SSN or ITIN
  • An address in Colorado and proof of that address.
  • Photo ID from any country
  • $30 application fee
  • Completed U.S. Citizenship and Immigration Services (USCIS) forms for the programs you’re applying for

IRA

Traditional IRAs may allow for tax-deductible contributions, and the earnings grow tax-deferred until withdrawn.

Restriction free withdrawals can be made for a variety of reasons: after age 59½, qualified higher-education expenses, first-time home purchase (maximum $10,000), disability, payment of health insurance premiums while unemployed for 12 weeks or longer, qualifying medical expenses exceeding 7.5% of adjusted gross income, death.

The following people may be able to make tax-deductible contributions:

  • Single individuals not active in employer retirement plans.
  • Single individuals active in qualified retirement plans with MAGI below defined limits.
  • Married couples with neither spouse active in an employer retirement plan.
  • Married individuals active in qualified retirement plans filing joint tax returns with MAGI below defined limits.
  • Married individuals not active in qualified retirement plans who are filing joint tax returns with spouses who are active in qualified retirement plans, as long as MAGI is below defined limits.

No, contributions to a Roth IRA are not tax-deductible.

People under 50 may be able to contribute up to $5,500. People who are 50 and older may be able to contribute up to $6,500. Your contributions cannot exceed your compensation.

There are three ways to be eligible to contribute to a Traditional IRA:

  • Anyone under age 70½ who has income from compensation
  • Anyone under age 70½ who is filing jointly with a spouse who earns compensation.
  • Anyone who has received a distribution from a qualified retirement plan and decides to move the proceeds of the plan into an IRA.

Roth IRAs allow you to make tax-free and penalty-free withdrawals on your regular contributions at any time. Unlike a Traditional IRA, you are not required to start withdrawals at age 70½.

After the account has been open five tax years, earnings can be withdrawn tax-free and penalty-free for a variety of reasons: age 59½, disability, death, or first-time home purchase. The lifetime limit for exemption on first-time home purchase is $10,000.

People under age 50 may be able to contribute up to $5,500. People over age 50 may be able to contribute up to $6,500. Contributions cannot exceed compensation.

If you earn compensation, and your modified adjusted gross income (MAGI) is under a certain limit, you are eligible to contribute to a Roth IRA. Congress sets the MAGI limits, and they can change frequently. If your MAGI is too high, you might be able to make smaller annual contributions. Consult your tax professional regarding your individual circumstances.

Traditional IRAs generally offer more tax advantages in the contribution phase. Roth IRAs generally offer more tax advantages in the withdrawal phase. Consult a tax adviser for more information.

Make a loan payment

Never forget a loan payment ever again with PayPromptTM! Receive friendly monthly text reminders from Fitzsimons Credit Union and keep track of your loan balance progress.

To opt-in text “FITZFCU” to 32576. You’ll receive a message that looks something like this:
Fitzsimons FCU: Reply YES to receive recurring monthly payment msgs. Msg&Data rates may apply. Reply HELP for info.

Opt-in by replying YES.

*Messaging and data rates may apply.

Contact your external financial institution from where the payment debited from.

You may not have provided the correct answer or the correct format of the answer. For example: if MM/DD/YYYY is required and you enter M-D-YYYY this will error because of the number of characters in the month and day. In addition, your account number should only be your issued 4, 5, 6, or 7-digit account number. Do not add any other savings, checking, or loan suffix behind your account number.

If you can log in, and are not able to make a payment, it most likely means you do not have any eligible loans to make payments on.

Please select “Forgot your password?” under the login page. We do process password resets on your behalf with this system.

We do not encourage you to use the online loan payment system to pay off your loan. Please contact us at 303-340-3343 to get your exact payoff amount to avoid any shortage in payment.

Payments made using the online loan payment system will not post the same day a payment is made. Payment made before 3 p.m. on a business day will be processed that business day and then posted to your account on the same business day (1 business day). Payments made to your loan after 6 p.m. on a business day will posted to your account on the following business day.

You do not have the ability to cancel your own transactions through the payment system. Please call Fitzsimons Credit Union at 303-340-3343 for assistance.

Your user name is your email address. If you forget your email address, you can re-register, but your payment information will not display any previous payment information. You will have to set it back up.

Yes, you can set up a recurring payment from another financial institution. If the payment will be coming from an account you have with Fitzsimons, you can set that up on the Online Banking Portal and you do not need to use the payment portal.

Money Market

Withdrawals must be at least $250.

You can access your account up to 6 times a month, 3 times by check.

Online Banking

-Log into the Fitzsimons Mobile App. Click the deposit tab to access the remote check deposit feature

-Select the account you would like the funds deposited to and enter in the amount you would like to deposit.

Get your check ready for deposit

-Check the front of the check to make sure everything is filled out correctly

-Sign the back. Then right below the payee signature(s) write “For FFCU Mobile Deposit Only”

Time to deposit your check

-Center the back of the check on a clean surface in a space with ample light.

-Line your check up with the guidelines shown on the mobile app. Take a picture of the front and back.

Your check is deposited

-Checks deposited on a business day before 2pm are normally available by 5pm that same day. Deposits made after 2pm or on a non-business day will be made by 5pm the next available business day.

Click here to view our video tutorial

First, you’ll need to enroll in online banking. Then you can visit our mobile page to download the app.

We’ve created step-by-step instructions for setting up online banking. If you get stuck or need help with anything, please don’t hesitate to contact us.

To use Bill Pay, you’ll need to sign up for online banking. You can access Bill Pay through the online banking portal.

  1. Log into online banking and click the account for which you’d like to receive eStatements
  2. Click the “Online Statements” link 
  3. Read the online statement enrollment agreement and then click “eSign Document”
  4. You’ll see a PDF with a unique code. Enter the code into the box below the online statement enrollment agreement and click “I Agree”
  5. If you have any questions about eStatements or the process of signing up, please contact us!

Note: You will get an automated monthly email from statement-alerts@fitzsimonscu.com to let you know that your monthly eStatements are ready to view.

Help us help the environment by making the switch and save yourself the monthly statement fee* in the process.

For additional instructions, check out our video tutorial.

 

De clic aquí para más información de los estatements y para registrarse

All Fitzsimons members are eligible for eStatements!

Pay day Alternative

If you need help with your application or need more information about eligibility requirements, please don’t hesitate to contact us in a way that’s convenient for you. To apply, you’ll need to complete a loan application, provide two personal references with contact information, and pay a $20 non-refundable application fee. You are eligible for a payday loan alternative if:

  • You’re at least 18 years old and have been a member of Fitzsimons for at least 60 days
  • You have a monthly gross income of at least $1000. This can be verified by direct deposit, paystubs, an award letter, or an employment letter.
  • You’ve been employed within same trade or industry for at least six months. This can be verified through paychecks or through your employer.
  • You don’t have delinquent loans or negative shares with Fitzsimons
  • You haven’t caused a loss to the credit union
  • You aren’t in the process of obtaining bankruptcy
  • You agree to avoid payday lenders during the term of your Fitzsimons loan
  • Any previous PIC loans are paid in full

You can get a maximum of four PIC loans in a six month period.

Send Money

If the person is already enrolled in Zelle, the money goes directly into their bank account in just a few minutes. If they’re not enrolled in Zelle, they can enroll in just minutes and get their money quickly.

You can learn more about Zelle on their site.

Share Savings Account

There’s a one-time fee of $5 to open. There are no monthly fees or service fees after that.

Check out our qualifications for membership on our How to Join page.

Skip a Payment

Yes, Skip-a-Payment extends the term of the loan. Interest will continue to accrue and all other agreements in the loan remain in effect.

Skip-a-Payment is available to members in good standing. If you don’t hear back from the credit union, you are approved. You will only be contacted if you are denied.

There is a $37 fee per loan skipped, which must be paid when we receive the Skip-a-Payment form. The fee can be paid by funds in your account or by a check.

You can skip a month on all qualifying loans at the same time. The $37 fee* will apply for each loan skipped.

Vehicle loans and personal unsecured lines of credit are eligible for Skip-a-Payment. The following loans are not eligible for Skip-a-Payment:

  • Certificate Secured Loans
  • Lines of Credit Loans
  • Credit Cards
  • PIC Loans
  • Worry Free Repayment Loans
  • Credit Builder Loan
  • Dreamer Loans
  • Real estate secured loans

Top 3

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank2.

You can send, request, or receive money with Zelle. To get started, log into your online banking or mobile app and select “Send Money with Zelle®“. Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you’re ready to start sending and receiving with Zelle.

To send money using Zelle, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes1.

To request money using Zelle, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”3.

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.

You can send money to friends, family and others you trust2.

Since money is sent directly from your bank account to another person’s bank account within minutes1, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.

Youth & Teen

Youth accounts under 12 years of age are not eligible to access or open a checking account. Youth accounts over 13 years old can open a checking account.

Upon turning age 13, a member’s account will automatically switch to a teen savings account. They will also be eligible to open a Teen Checking Account and get a Visa debit card.

1. Deposit your child’s birthday check at one of our branch locations.

2. Take a picture of your child’s birthday check, front and back, and send it to Marketing@FitzsimonsCU.com

Note: We will send you a message either by e-mail or phone to let you know your check has been deposited. Don’t forget to endorse your check on the back. 

Zelle

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank2.

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile phone number to your financial institution so you can use it for Zelle.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your bank account so you can start sending and receiving money with Zelle through your financial institution’s mobile banking app and online banking. Please call your financial institution’s customer service for help.

If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).  Neither Fitzsimons Credit Union nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Keeping your money and information safe is a top priority. When you use Zelle within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

Yes! They will receive a notification via email or text message.

Money sent with Zelle is typically available to an enrolled recipient within minutes1.

If you send money to someone who isn’t enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutes1.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please contact your financial institution’s customer service.

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.”

If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please contact your financial institution’s customer service.

In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.

When you enroll with Zelle through your online banking account or mobile app, your name, the name of your financial institution, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared). When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its “directory” and notifies your financial institution of the incoming payment. Your financial institution then directs the payment into your bank account, all while keeping your sensitive account details private.

You can find a full list of participating banks and credit unions live with Zelle here.

If your recipient’s financial institution isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.

To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.

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