FAQs
What is the routing/transit number?
292977349
Why am I being charged $4.95 for my checking account?
The $4.95 fee allows you to have many benefits including comprehensive identity protection for you and your family, the ability to earn uChoose© Rewards points, and the ability to perform transactions fee free at any credit union within the Shared Branching network. You can also earn a $2.00 refund each month if you’re signed up for eStatements, do 12 debit card transactions each month, and have an electronic deposit or withdrawal from your checking account each month.
My personal information is no longer current. How can I change it?
You can update your personal information through a few different methods. You can either send us a secure message through Digital Banking (online or via our mobile app), you can stop into any 1st Liberty branch, or you can make the request in writing and mail the letter to PO Box 5002, Great Falls, MT 59403.
What are the wiring instructions?
The only information you need to provide in order to receive an Incoming Wire into your account is the Routing/Transit Number (292977349) and your account number. Please keep in mind that your checking account number is not the same as your member number. If you have any questions about your checking vs. your member or savings account number, please contact us for clarification. We do not charge you a fee to receive a wire into your account.
What are the limits on my debit/atm card?
Normally, there is a limit of $2000 a day in POS (Point-of-Sale) transactions and $300 a day using an ATM machine. Individual cards may have different limits, so please feel free to contact the Credit Union if you have questions.
How do I get a copy of a cancelled check?
If you need a copy of a check that cleared
your account, please contact us by phone (406-761-8300), mail, fax or in-person
to request a check copy. There is a $3 fee per copy of each cleared check you
request.
How much is the Stop Payment fee?
There is a $20 fee to place a Stop Payment on a check or a consecutive series of checks (i.e. a lost checkbook). There is also a $20 fee to place a stop payment on an ACH item; however we do require that you provide us with documentation that you've notified the company that you no longer want them charging your account for their product/service.
How much am I charged for an NSF item?
If you don't have funds in your account to cover a check or automatic (ACH) payment, you will be charged a $28 fee. If you are using a debit card, you may be charged a $28 fee or the charge may be denied depending whether or not you've opted in for courtesy pay.
How do I add a joint owner to my account?
If you are able to visit a branch office, please come in with the person you want added joint to your account. If there are already joint owners on your account, please ask them to join you also. New signature cards will need to be completed for each account and ALL owners need to sign. Make sure all owners bring with them current government-issued photo ID and all new joint owners also bring proof of residential address, such as a paystub or utility bill with their name and physical address.
If you are not able to visit a branch, please contact Member Services for other options.
How can I remove a joint owner from my account?
Unfortunately, you cannot remove a joint owner from your account. However, your joint owner can submit written request to be removed. If a joint owner isn't willing to relinquish their rights to your account, you may choose to close your account and open a new one. Your joint owner may also close the account.
Is 1st Liberty part of the Shared Branching Network?
Yes, 1st Liberty is part of Co-Op's Shared Branching Network. If you have an account with another credit union that is also part of Co-Op's Shared Branching Network, we can help you with basic teller transactions such as depositing a check, withdrawing cash, or making a loan payment. Being part of the Shared Branching Network means that if a 1st Liberty member travels or relocates permanently to an area of the U.S. that isn't close to a 1st Liberty branch, they may be able to locate anther credit union in the network to do these same types of transactions on their 1st Liberty account. Co-Op's Shared Branching Network has about 5,000 participating credit unions and branches and continues to grow. You can find participating credit unions by clicking on the Shared Branch & ATMs link underneath 'Resources' on our website.
Where do I go to download the 1st Liberty App on my phone?
You can find our free 1st Liberty FCU Mobile Banking App in both Apple's "App Store" or Google's "Play Store" depending on which device you have.
Do you sell Money Orders?
Yes, we sell Money Orders to 1st Liberty members. The charge is $2/each.
Do you sell Traveler's Checks?
No, we no longer offer Traveler's Checks. Instead, we offer VISA Gift Cards which are a VISA product and typically universally accepted. Please be advised that we do not recommend that you use a VISA Gift Card to make lodging reservations, reserve or rent a vehicle, or make fuel purchases as these types of purchases can authorize, or "tie up," available funds for greater than anticipated. The fee for a VISA Gift Card is $2.95 and each card can be loaded for $10-$1000.
Do you offer Cashier's Checks?
Yes. We issue Cashier's Checks for 1st Liberty members for a fee of $5 each.
I'm going to be traveling. Do I need to let you know in advance so my debit/VISA card will work while I'm away from home?
Yes, if traveling out of state with your 1st Liberty Debit or VISA Credit card, please notify us in advance whenever possible. We will need to know your travel dates and states/countries of travel so your purchases will not be flagged as "unusual". Additionally, when traveling, 1st Liberty recommends you take at least 3 forms of payment with you and that you notify all card issuers of any card you plan to take with you.
Revised July 2024
