Info Center

Two things . . .

First: Contact us right away during normal business hours! After hours…call these numbers:

• Debit card— 1-800-472-3272.
• Credit card—1-877-364-4019.

Second:  Visit our Ambassador branch and we can replace your debit or credit card the same day!

It’s quick, easy, and absolutely painless! We send you a form— you fill out, sign it, and send it back. We link all of your accounts to your secure Log-in ID. and then will send an e-mail to get you “in” and running. From then on, you’ll go straight to your personal accounts (all of them!) just by opening the KPCU site and entering your Log-in ID. You’ll be asked to verify your “Security Phrase” (you establish it at your first time sign-in), and then enter your Security Code (“password”). That’s all there is to it.

Bill Pay service is free to all “Direct Advantage” members. Non-“DA” members pay $3.95/month for this service (to cover the costs of our data processing vendor on your behalf). If you did not include this service when you when you signed on to Online Banking, you will need to sign up for Bill Pay. The following day you can go to your online account (see above), click on the “Pay It” tab, then select your checking account and the “schedule payment” button. When you log in this first time, you’ll be prompted to answer a few questions that will help us protect your identity both online and off. Then, once you enter some information about bills you pay regularly, you’re ready to pay all your bills from now on with just a click.

Generally two to five days. Most merchants are set up to receive electronic payments, these will go through quickly. It might take a bit longer the first time, or if you are sending to a private party (this goes regular mail).

When you sign into your Online Banking account, go to the “Self Service” tab, click “eStatements”. That’s it. From then on, an e-mail notice of your monthly “DA” account statements will arrive automatically in your mailbox (make sure we always have your current e-mail address!). You can review them online, download and paste them into a running spreadsheet (we highly recommend doing this!)…but do look them over just in case there’s something to question. And if there is, “let’s connect!”

Our routing number is 323075356. This is the number you give to another bank or your employer, Social Security Agency (along with your own account number) to have them transfer funds into your account.

The credit union has four of its own ATMs:

Interstate Medical Office South • 3500 North Interstate Ave. in Portland • Withdrawals/Deposits

**Currently Unavailable** KaiPerm Northwest Building (KPB) • 500 NE Multnomah in Portland (3rd Floor) • Withdrawals

Kaiser Sunnyside Medical Center (KSMC) • 10180 SE Sunnyside Road in Clackamas • Withdrawals/Deposits

Westside Medical Center, 1st Floor • 2875 NW Stucki Ave, Hillsboro • Withdrawals/Deposits

You can also use any U.S. Bank cash machine in the greater Portland area …and… we are connected to the nationwide MoneyPass system (25,000 ATMs throughout the country, really! All of them providing surcharge-free access to cash). Go to this link, enter the zip code for wherever you are, and you’ll quickly get a map showing the nearest cash machines.

Please visit Main Street (external site) to reorder checks. Allow seven to ten business days for your new checks to arrive. If you are having any issues please call 971.266.4900 ext. 1 for assistance.

We have a simple form for you to fill out and sign. Call or e-mail us and we will send it to you. You will need the routing number of the financial institurion and account # of the person you are sending the funds to, along with any special wire-sending instructions from the receiving bank. We do need your signature on the form. The PDF form we send will allow you to include a photocopy of your sig (and will help you produce one if you don’t have one ready).

Anywhere in the U.S.: $5 for “DA” members, $15 for non-“DA” members. Overseas: $25 for “DA” members, $35 for non-“DA” members.

The person or source paying you needs these three things:

1. Our clearinghouse routing number (ABA #262090120)
2. Our own KPCU routing number (ABA# 323075356)
3. Your checking or savings account number.

Should take no more than a day. If they do it in the morning, it should be the same day. Fund transfers from overseas may take a bit more time.

Several options. The easiest way is to use our POP money feature on Virtual Branch (You must have a checking account).

If you and “someone else” are both KPCU members, it’s easy. We can help you with this— call us. If the other party does banking elsewhere, you have several options. One is to do it through Bill Pay (from your Online Banking account). Allow a few days for the funds to arrive at the other end. Or we can do it for you with a wire transfer. In either case, these can be done as one-time transfers or set up as monthly payments. Depends on how quickly you need it to happen.

Contact us. We’ll help you with this.

Contact us right away. The sooner the better!

Absolutely! All your deposit accounts— Checking/Savings/Money-Markets/CDs— are collectively insured up to $250,000 by NCUA (National Credit Union Association, an agency of the Federal Government). IRA accounts are separately insured up to $250,000 as well. We can help you insure additional funds with a separate or joint account.  Just give us a call.

No problem! Just connect with us— we can do it for you. We will need a form signed by you and your new banking partner, but that’s it.

Let us know right away. Sooner the better! But for security purposes (to be sure it’s really you!) we need it in writing, with your signature included. (Yep, there’s a form for that too.)

Yes, just as long as you have access to a computer with a secure Internet connection.

Your credit report is a summary of your borrowing history, showing your past and present loans, credit cards and any problems (late payments, non-payments, etc.) that might have been associated with any of them. Banks, CUs, Credit Card issuers, Auto Dealers, Mortgage Brokers rely on these to know if you are “safe” as a credit risk. These records are gathered and kept by three different sources: TransUnion, Equifax, Experian. And yes, you can get a copy— you are entitled to a copy of your credit standing from each of these sources once each year. You should do it if only to make sure that the information about you and your credit circumstance is accurate. Go to this site— www.annualcreditreport.com.

We base it on your current credit status, your ability to make your monthly payments, your overall payment history, your collateral and more. (See note about credit report above.) But our business is that of helping you to have the loan you need. We’re more inclined to say “yes” rather than “no.” So count on us working with you to that end.

Best thing to do, connect with us and let us do it for you. Again, you’ll sign an authorization form, we do the work and let you know when it’s done.

Nothing! Your new card should arrive in good time before your present one expires. But if things are getting too close, then, yes, call us.

Nothing changes. “Once a member, always a member!” (Unless something goes really wrong!)

Contact us, apply on line, we’ll usually let you know same day.

If you already have a loan with us, we can often process another one for you in a few hours. Even if you are a first-time borrower, expect a same-day answer. Once we have received your application, we will jump right on it and will call you with any further questions we have, or just to confirm that you’ve been approved.

When making loans, we’re not looking at the matter of collateral as much as we look to see how we can help you. We think that having one rate for most loans, it is easier for you to compare your financing options and get the best deal.

We’ll loan for any worthwhile purpose. We will always show you how much you should consider borrowing to maintain a positive credit status.

This will depend on the amount of your loan, the annual percentage rate on that loan and the number of months of the loan. We’ll show you the amount you could save each month by extending the terms.

Yes, this is one benefit of being a DA member. Your loan can be automatically paid each month from the account of your choice. We strongly recommend this!

We offer both first and second, 15- and 30-year mortgages. We also offer home equity loans and lines-of-credit. If you’re looking to buy a home valued at more than $417,000, we offer “jumbo” loans, too. We’ll help you decide which option is right for you.

We try to process these loans in two weeks or less. There are certain conditions and requirements that must be met over which we have little or no control (appraisal, title report, etc.), but we should be able to give you a conditional pre-approval. Contact us.

Did you know that you can do all your business with KaiPerm electronically?  Why not keep your account with us? If you would still like to close your accounts, please contact us.