close attention bar icon

Answers to some of our most frequently asked questions

What if my Visa® Debit Card is lost or stolen? 

Contact Visa immediately at 1-800-449-7728

What if my Visa Debit Card doesn't work when I use my PIN? 

That could mean that a network outside of the credit union system is not online. Try using your Visa Debit Card as a "credit" and use the signature pad.

What if my Visa Credit Card is lost or stolen? 

Contact Visa immediately at 1-800-449-7728.

What if I want to call Voice Banking directly to access my account information? 

Voice Banking is available 24 hours per day. You can access Voice Banking by calling 804-262-8502.

What if I'm looking for a no-fee ATM? 

Use our convenient and easy LocatorSearch tool to find your closest no-fee ATM.

What if I'm traveling, and I'm not close to a Henrico FCU branch? 

Henrico Federal Credit Union is part of the Credit Union Service Center (CUSC) network. There are CUSCs all over the United States. You can do a quick search on the CUSC site to find the closest CUSC to you by visiting the Credit Union Service Center website.

What is Henrico FCU’s Routing Number? 


What if I'm working on a Mac? How can I use Internet Banking and Bill Pay? 

Members using Mac computers will see the best results by using Google Chrome (rather than Safari) as their browser for home banking and bill pay. Download Google Chrome.

What if I have other questions about Bill Pay? 

Call 804-266-0290 for assistance with Bill Pay

What if someone asks for personal information (like my password or Social Security Number) through email? 

Emails and text messages can be masked to look like they are coming from a trusted sender when they are actually from someone else. You should never send personal information such as account numbers, social security numbers, passwords etc. via email or texting.

What if someone sends me an email with instructions to log in using the link provided? 

Never log in from a link that is embedded in an email message. Criminals can use fake email addresses and make fake web pages that mimic official webpages. To avoid falling into that trap, type the URL address directly in your web browser and then log in.

What are some tips for protecting my personal information while using electronic services?  

1. Don't reveal personal information via email. Emails and text messages can be masked to look like they are coming from a trusted sender when they are actually from someone else. Do not send personal information such as account numbers, social security numbers, passwords etc. via email or texting.


2. Don't download that file! Opening files attached to emails can be dangerous as they can allow harmful malware or viruses to be downloaded onto your computer. Make sure you have a recognized antivirus program (i.e. Symantec/Norton, McAfee, etc.) on your computer that is up-to-date. Most importantly, don’t open attachments from people you don’t know.


3. Log off from sites when you are done.  When you are ready to leave a site you have logged in to, log off rather than just closing the page.


4. Monitor account activity.  Monitor your account activity regularly either online or by reviewing your monthly statements and report any unauthorized transactions right away.

What if I'm interested in a scholarship? 

Henrico FCU offers three scholarships to members who are continuing their education. Find out more about these scholarships now.


What if I want to know the difference between a credit union and a bank? 

The services offered are similar, but the philosophies are very different. All credit unions are not-for-profit cooperatives. The owners of a credit union are the members. The owners of a bank are the stockholders.

What if my E-Statement does not match the statement on Internet Banking? 

All members are provided with a periodic statement. Years ago everyone received their periodic statements in the mail. Thanks to technology, you can receive that same periodic statement electronically; that's how E-Statements were created. A periodic statement only shows activity for a set period of time (i.e., one month or one quarter).

You can also check for your most updated activity anytime through the Internet Banking portal. This statement will show you the most recent information from your account.

What if I have a check stolen from my mailbox? 

Stolen mail falls under the jurisdiction of the US Postal Service. Contact your postal inspector and us as soon as possible.

What if I receive a notice that I've won money? 

Be extremely cautious. This notification is almost always fraudulent. You should report any suspicious activity to us right away.

What if I want to learn more about my deposits being insured by the National Credit Union Administration? 

A handy electronic share insurance calculator is available online to help members determine how to structure accounts to include joint accounts, payable upon death accounts, and others to receive greater coverage than the $250,000. 

By operation of federal law, beginning January 1, 2013, funds deposited in a non-interest bearing transaction account will no longer receive unlimited coverage by the National Credit Union Administration (NCUA).

All accounts at Henrico FCU and Bellwood Credit Union, including all noninterest-bearing transaction accounts, will be insured by the NCUA up to the standard maximum share insurance amount of $250,000 for each deposit insurance ownership category. Individual Retirement Accounts (IRAs) continue to be insured separately. 

Administered by the NCUA, the National Credit Union Share Insurance Fund (NCUSIF) is backed by the full faith and credit of the U.S. Government.  For more information about the NCUA or the NCUSIF, visit

How does EMV chip technology protect my information? 

Every time you use your card at an EMV chip-enabled terminal, the embedded chip generates a unique transaction code. This prevents stolen data from being fraudulently used.

Where can I use my EMV chip-enabled card? 

You can use your card anywhere that accepts Visa® credit and debit cards.

Can I still swipe my EMV chip-enabled card when making transactions? 

Yes, if a merchant is not yet chip-enabled, you can continue to swipe your card.

Will I have to pay any fees to use my chip-enabled card? 

No. There are no additional fees to use your EMV chip-enabled card.