Ask Us

1. How do I change my address on my account?

Please complete and mail a Change of Address form located in the Forms Library, by visiting one of our local branches or by calling Customer Care at (800) 352-8257.

2. How do I set up Direct Deposit?

The easiest way to start Direct Deposit is to consult with your local branch or Customer Care at (800) 352-8257. A SharePlus banker will be happy to work with you. Or, contact your employer’s payroll department and provide them with the SharePlus Routing Number (311079571) and your account number. Learn More.

3. How do I find an ATM near me at no charge?

You can use your SharePlus ATM or ATM / Debit card at any SharePlus Federal Bank ATM with no fee. You may also use any ATM displaying the CO-OP Network logo including over 5,500 7-11 stores. To find the nearest surcharge-FREE ATM including driving directions, Click here.

4. I have lost my checks or suspect they have been stolen. What should I do?

Please contact Customer Care at (800) 352-8257 or your local branch immediately to protect your account.

5. What are my User ID's and Password's for using bank-by-phone and Online Banking?

Your User ID and Password/PIN numbers are unique and are picked by you when you set up your account or when you go online to enroll for online banking. If you have forgotten your login information please contact Customer Care at (800) 352-8257.

6. Who can bank with SharePlus Federal Bank?

Anyone may apply for an Account and a Loan or Line of Credit regardless of where you live or work.

Click here to open an account with SharePlus Federal Bank or contact your nearest bank branch:

North Texas, including Plano/Dallas/Fort Worth – (800) 352 – 8257 or (972) 931-5311
Louisville area - (502) 874-2408
Irvine and southern California area - (949) 863-4432

7. What should I do if I suspect fraud on my account?

If you suspect fraud on your account or fraud involving your ATM /debit card, please immediately contact your local SharePlus Federal Bank branch or Customer Care at (800) 352-8257. If the suspected fraud involves a SharePlus credit card call (800) 362-6299 and follow the prompts for a lost or stolen card. If your ATM or Debit Card is lost or stolen call (800) 472-3272.

8. How do I handle wire transfers?

SharePlus can accept and send wire transfers, both domestic and international. Please contact your local branch or Contact Center at (800) 352-8257 to initiate a wire transfer.

The instructions to wire funds to the Bank are:

Bank to Bank Wire Transfer Instructions for Domestic Incoming Wires

FI Name:     SharePlus Federal Bank

FI ABA:        311079571

Credit to:    Name and address of the beneficiary (bank's customer); Account number of the beneficiary.

Bank to Bank Wire Transfer Instructions for International Incoming Wires

Bank of New York, Swift Code: IRVTUS3N, ABA/Routing # 021000018

First Credit to:  The Independent Bankers Bank (TIB), ABA/Routing # 111010170

Further Credit to:  SharePlus Federal Bank, Acct # 101-913-2

Final Credit to customer's name and account number ** Must be 11 digits long, place “0’s” in front of your account number until the total digits equal 11

9. What is your check hold policy?

SharePlus Federal Bank may place certain holds on checks: Click here for a detailed explanation of the SharePlus Funds Availability Policy

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Online Banking and Bill Pay

1. How do I access my personal SharePlus accounts online?

Online Banking is FREE of charge. To access your personal accounts, simply click here to enroll in Online Banking or contact Customer Care at (800) 352-8257 to assist you with the enrollment process.

2. How do I access my business SharePlus accounts online?

To enroll in eBusiness online banking, please contact Customer Care at (800) 352-8257 or your local branch. Click here to learn more about eBusiness online banking.

3. Does SharePlus Federal Bank offer an Online Bill Pay service?

Yes! Online Bill Pay is one of our most requested services and both Online Banking and Bill Pay are FREE. Online Bill Pay allows you and all SharePlus customers to securely pay bills with the click of a mouse.

4. How do I enroll for FREE Bill Pay?

You must have a SharePlus Checking Account to enroll for Bill Pay. Sign on to online banking and click the Bill Pay tab to enroll. Once you’re enrolled, sign on to Bill Pay and add your payees so you can start making payments.

Click here for more information about Online Banking and Online Bill Pay.

5. What are my User ID's and Password's for using bank-by-phone and Online Banking?

Recommendations for picking a strong Password:

Your password must be 8 to 14 characters, including at least one letter and one number. You may also use special characters (such as @, %, &, #). To help ensure the security of your password, you should:

Choose a password that is different than your ATM PIN.
Choose a password that is different than your username.
Select a password that is not easy for others to guess such as your phone number or Social Security number.
Change your password every six months for added security.
Memorize your password and never write it down or reveal it to anyone, including bank employees.
Do not let other people use your password. By giving your password to another person, you take full responsibility (until you notify us) for all transactions made by that person or anyone else they may give your password to.

6. Is my personal information secure when I use this website?

Yes! SharePlus Federal Bank is committed to safeguarding your personal information online to keep it secure and confidential.

When you sign in to Online Banking from SharePlus.com home page, or from the Online Banking page, your User ID and Security Code are sent from your computer to our Online Banking computers using Secure Socket Layer (SSL) technology.

SSL is a protocol that transmits your personal information over the Internet in an encrypted form. SSL ensures that the information is sent, unchanged, only to the server you intended to send it to. This technology ensures that your personal information is encrypted before it leaves your computer so no one can retrieve the data.

In addition, all online forms that require personal information (such as an account number or Social Security number) are protected with SSL technology, and thus are completely secure.

To learn more about our Online Security, click here.

ATM and Debit Cards

1. How do I report a lost or stolen Debit Card?

Contact Customer Care immediately at (800) 352-8257 to report a lost or stolen card and request a new card. For after hours, weekends and holidays, please call (800) 554-8969.

Your SharePlus Debit Card comes with Zero Liability protection at no extra cost, so you won’t be held responsible for any unauthorized purchases or ATM transactions, as long as they are reported promptly.

2. How do I report a lost or stolen FIA Credit Card?

To report a lost or stolen FIA Credit Card, immediately call (800) 362-6299

3. How do I dispute a Debit Card charge?

Call Customer Care at (800) 352-8257 or visit your local branch to dispute a Debit Card charge. We will contact you within ten business days with a resolution or an update about your claim. If you have incurred fees or overdraft charges as a result of the disputed charge, we will reimburse you when we resolve the claim. Click here to access the Debit Card Dispute Form.

4. My Debit Card is going to expire soon. Do I need to do anything?

You should receive your new Debit Card in the mail about two weeks before your current card expires. Your current card is good through the last day of the expiration month that appears on the front of your card.

If you do not receive your new card within two weeks of the expiration of your current card, or if your card has already expired, please call us at (800) 352-8257.

5. How do I replace a damaged Debit Card?

If your ATM or Debit Card is not functioning properly or is damaged, you may order a replacement card by calling (800) 352-8257. You will receive a new card within seven to ten business days, and the Personal Identification Number (PIN) you are currently using will work with your new card.

6. How do I find an ATM near me at no charge?

Auto Loans

1. In which states is vehicle financing available?

We offer financing in all 50 United States and the District of Columbia.

2. Is a down payment required for auto loans?

Auto loan down payments are evaluated case-by-case and may be required.

3. Does the bank charge application fees or any other loan fees?

No, SharePlus does not charge an application fee or any other fees to obtain a loan. Lien filing fees may apply.

4. How long is my pre-approval and rate good for?

Interest rates and pre-approvals are good for 30 days from the initial application date.

5. Can I refinance my existing auto loan through SharePlus?

Yes, we can refinance your auto loan with SharePlus or another financial institution. When completing the online application, choose the option for Refinance.

We will finance your vehicle that is financed through SharePlus if at least 12 monthly payments have been made. We will finance your vehicle that is financed with another financial institution at any time.

6. What is a “simple interest” loan?

Simple interest is calculated only on the principal amount, or on that portion of the principal amount that remains unpaid. The amount of your payment that is allocated to interest is based on your unpaid principal balance, the interest rate on your loan, and the number of days since your last payment. For example, if we receive a payment and it has been 28 days since your last payment was received, you will be charged 28 days of interest on the unpaid principal balance of your loan. The remainder of your payment is credited to the principal balance and reduces the unpaid principal balance on your loan.

7. What information do you need from me?

For all loan requests, we will require personal information such as your name, physical address, Social Security number, date of birth, employment and income information, and your US citizenship status. Documents that may be required for your loan include: purchase agreement/bill of sale, registration, title, lease buyout instructions, proof of income, federal tax returns, W-2’s, financial statements, current evidence of insurance, and a valid driver’s license.

8. Why should I finance with SharePlus if the dealer is offering 0% financing?

Special rate options can be very attractive when offered for particular vehicles at the dealership; however, sometimes the loan terms are restrictive and may not be what you desire. Dealers often offer a cash rebate as an alternative to 0% financing but choosing the cash rebate and financing with SharePlus may be a better offer.

By taking the cash rebate, applying it as a down payment towards the vehicle, and financing through SharePlus with our low rates, you’ll get the maximum savings.

0% Financing vs. Low Rate and Rebate (60-Month Term)
Rate	0% Annual Percentage Rate (APR) without rebate	4.24% APR with $3,000 rebate	Savings
Loan Amount	$20,000	$17,000
Monthly Payment	$333.34	$314.93	$18.14/mo
Total Cost	$20,000	$18,899	$1,101

Home Equity

1. What can I use my home equity for?

You can use the funds to pay for almost anything. The most common uses are home improvements, debt consolidation, and educational expenses.

2. Do I need an appraisal?

In certain circumstances, depending on the loan amount and the current tax value, we might require a full appraisal.

3. How much can I borrow?

For a Home Equity or Home Equity Line of Credit (HELOC), you can borrow up to 80% Combined Loan to Value (CLTV). For Texas residents, the HELOC credit limit cannot exceed 50% of the property value.

For a Home Improvement Loan (TX residents only), you can borrow up to 85% Combined Loan to Value.

4. What index is used to determine the rate for HELOCs?

The index used is the Wall Street Journal Prime Rate. The index, plus or minus the stated margin, determines the current APR for your HELOC.

5. What happens at the end of the draw period on my HELOC?

At the end of the draw period, your loan is amortized into fixed principal and interest payments for the term specified in your HELOC Agreement. The APR will be based on the current APR at the end of your draw period. You will no longer be able to make advances on the HELOC once the draw period has ended. You can choose to refinance your HELOC if you have an existing balance and the new loan will be based on the current underwriting conditions at that time.

6. Is the interest on my loan tax deductible?

The interest paid on a loan secured by a primary residence may be tax deductible. Consult with your tax advisor to determine whether or not the interest is tax deductible.

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