How can I contact the credit union?
You can visit one of our branches, call us at (423) 378-9292, or visit our Contact Us page.
Where is Kingsport Press Credit Union located, and what are your hours?
Visit our Locations page for more information about our three branches. We are open Monday through Thursday from 8:00 AM to 5:00 PM and Friday from 8:00 AM to 5:30 PM.
Who can join Kingsport Press Credit Union?
Persons eligible to become a member include those who live, work, worship, or attend school in Sullivan County, Hawkins County, Kingsport, and Johnson City, Tennessee; businesses and legal entities in those areas; and current relatives of Kingsport Press Credit Union members.
What do I need to do to open an account?
You can visit one of our branches and ask to open an account. You’ll need your driver’s license, your social security card, proof of your current address (if the address is not current on the ID), and $10 ($5 is a membership fee that will stay in your account). If you have any questions, give us a call.
Will you run a credit report when you open an account for me?
No, but we do check to see if you owe money to any other financial institutions.
How can I add a joint owner or remove a joint owner?
If you would like to add a joint owner, you can bring the person with you to one of our branches. The new joint owner will need to bring a valid ID, a social security card, and proof of their current address (if the address is not current on the ID). If you are removing a joint owner, you do not need to have the joint owner with you when you come to a branch. However, if there is more than one joint owner on the account, both you and the joint owner not being removed will need to come in.
How do I sign up for direct deposit?
You can come to one of our branches and pick up a direct deposit form. After you fill out the form, you can take it to your employer.
How do I change the address connected to my account?
You can update your address in Online Banking or by coming to one of our branches to fill out a form.
Can I get overdraft protection?
Yes, you can. You have the option of preventing overdrafts by allowing us to transfer funds from your other account(s). You also have the option of adding Courtesy Pay to your account. For more information, call us or visit one of our branches.
If I am under 18 years old, can I get overdraft protection?
You must be 18 or older to get overdraft protection.
What should I do if my checks are lost or stolen?
If your checks are lost or stolen, report it immediately by calling (423) 378-9292. A stop payment will have to be put on the checks that were lost. You will have to visit one of our branches within 24 hours to sign a form.
How do I apply for a loan?
You can apply for a loan at one of our branches or online. Visit our Apply for a Loan page to apply on our website.
Do I have to be a member to apply for a loan?
We can open up an account for you when you apply for a loan.
How can I make payments on my loan(s)?
You can mail a payment, pay by phone (transfer only), pay online, or pay in person at one of our branches. You also have the option of setting up automatic transfers, payroll deduction, etc. For more information, give us a call.
If I am under 18 years old, can I apply for a loan?
You must be 18 or older to apply for a loan.
How do I access my 1098 form?
Your 1098 form will be mailed to you by the end of January each year.
Can payment protection—such as GAP coverage and major mechanical protection—be added to my existing loan?
Yes, you can add payment protection to your existing loan. For more information, visit a KPCU branch or give us a call.
What is a signature loan?
A signature loan is a loan that is not secured by collateral.
Can I get prequalified for home and/or auto?
Yes, you can get prequalified.
How much is my car worth?
You can check at The NADA Website.
What information should I have ready when I call about an auto loan?
In addition to the make, model and year, make sure you know your mileage and your VIN number.
Does KPCU offer mortgage loans?
Yes. Visit our Home Loans page for more information.
How can I access my line of credit?
You can visit a KPCU branch or an ATM, access it through Online Banking, or call our 24-hour Speedy number: (423) 378-0626.
How can I use a home equity loan?
Home equity loans can serve many purposes. You can use your home equity loan for tuition, to pay medical bills, for emergencies, etc. For more details, come talk to one of our loan officers or give us a call us.
What is the maximum term for a home equity loan?
The maximum term is 20 years, but advances can only be made in the first 10 years. The latter 10 years are for payback only.
What are the rules for/restrictions on a home equity line of credit?
The dwelling must be your primary residence. Modular or mobile homes on permanent foundation may be eligible provided that you own the land.
Any existing mortgage and the loan applied for must not exceed 80% of the appraised value or of the tax assessment or Zillow value (using whichever is less).
Adequate hazard insurance must be maintained on the property at all times.
Are there penalties for prepaying on a home equity loan?
No, there are no penalties for prepaying.
Is there anything in place to protect a borrower (home equity loan)?
Yes. Before funds are disbursed, there is a three-day right of rescission.
Debit/Credit Card FAQs
Is there a fee when I get a KPCU debit card?
No, there are no fees when you obtain your initial debit card. There are also no fees for signature- or PIN-based transactions. However, there is a $4.00 fee for a replacement card.
If I am under 18 years old, can I get a debit and/or credit card?
A member under 18 may get a debit and/or credit card in his/her name on a parent’s account.
If I plan to travel, do I need to alert KPCU?
Yes. Call any of our branches to let us know. One of our employees will fill out a travel notice so your card doesn’t get cut off.
Can I use my debit card outside of the US?
Yes, but remember to let us know about your travel plans.
Is it free if I use my debit card to withdraw from ATMs?
What are my ATM limits?
The ATM limit is $200 a day.
How do I dispute a purchase on my statement?
Call our main office at (423) 378-9292.
Why are my debit card transactions denied when I have enough money to cover them?
There is a $2,500 purchase/spending limit in 24 hours. If your transaction(s) are above this limit, they will be denied. If you know you are making a large purchase, we can raise the limit for a 24-hour period.
Transactions can also be denied if they register as fraud.
What do I do if my debit card is lost or stolen?
You can log in to your mobile app or Online Banking and use the Debit Card Management System to shut off your debit card. Or you can contact us during office hours at (423) 378-9292 ext 206. After hours, you can call 1-888-241-2510.
What do I do if my credit card is lost or stolen?
If your card is lost or stolen, immediately report it. During office hours, call (423) 378-9292 ext. 205. After hours, call 1-800-325-3679.
What is a pending transaction?
A pending transaction is a transaction that hasn’t posted to your account yet. Pending transactions are usually debit card purchases and checks that have a hold on them.
How do I know what my pending transactions are?
You can call one of our branches and ask an employee, or you can view your account in Online Banking.
Why do some purchases made with my debit card disappear from my pending transactions?
Some debit card transactions will disappear from pending transactions and post a few days later. This is because a merchant has not submitted the final transaction. When the merchant does submit it, we will pay them and the transaction will post to your account.
Is there a difference between my Available Balance and my Current Balance?
Yes. Your Available Balance is your Current Balance minus pending transactions.
Why is there a difference between the actual charge and the pending amount?
When you make a purchase with your debit card, the amount shown as pending may not be the full amount. For example, if you add a tip to your bill at a restaurant, the pending amount may not include the tip.
How do I get a new pin for my debit card?
You can come into the office to change your PIN, or you can call and have a new PIN ordered. It will take 10-14 business days for a new PIN to come in the mail.
Online Banking FAQs
What can I do with Online Banking?
For information about Online Banking and our other electronic services, visit our Electronic Services page.
How do I sign up for Online Banking?
Click the login button that appears at the top of each page on KPCU’s website. When you are taken to the new page, click Register Now.
How do I log in to Online Banking?
Click the login button that appears at the top of each page on KPCU’s website.
What do I do if I can’t log in?
If you cannot log in to Online Banking, give us a call and we will assist you.
How do I make changes to my information?
Go to Account Settings. Once there, you can change your email address, address, phone number, etc.
How do I set up transfers?
Go to Transfers. It will give you the option to set up a one-time transfer or a recurring transfer.
Can I reorder checks or stop a payment on a check?
At this time, these options are not available in Online Banking. If you would like to stop a payment on a check, you can visit one of our branches to fill out a stop payment form and pay the stop payment fee.
How can I receive e-statements?
In Online Banking, you can sign up to receive e-statements. If you do not, you will only receive paper statements and will therefore be charged a $2 fee each month.
What if I want my statements to be mailed to me?
You can call us to let us know you would also like to receive paper statements. If you receive paper statements, you will be charged a $2 fee each month.
How can I view my e-statements?
When you are logged in on Online Banking, go to Statements. You will see options to download and view. Savings account statements will be available every 3 months. There will be statements for other types of accounts every month.
Will I be notified when a new statement is available to view?
Yes, you will receive an email.
How do I set up Bill Pay?
In Online Banking, go to Bill Payment and then Create iPay Account.
Have additional questions on how to use Bill Pay?
In Bill Pay, visit the Help page to see other frequently asked questions.
What is phishing?
Phishing occurs when a hacker/scammer sends an email that prompts someone to click a link, give personal information, etc. The emails usually appear to be from a legitimate person or company. These types of emails will often contain urgent messages prompting you to perform an action quickly. For example, hackers can send emails that appear to be from a financial institution. An email like this might ask you to click a link to correct an error on your online bank account. Keep in mind that Kingsport Press Credit Union would not ask for personal information in an email. It’s important to always think before clicking a link or responding to emails you were not expecting to receive.
What is smishing?
Smishing occurs when a hacker/scammer sends a text that prompts someone to click a link, give personal information, etc. Keep in mind that Kingsport Press Credit Union would not ask for your personal information in a text message. It’s important to think before clicking a link or responding to text messages you were not expecting to receive.
What is vishing?
Vishing occurs when a scammer calls someone and attempts to get that person to give personal information over the phone. This can lead to identity theft. Keep in mind that Kingsport Press Credit Union would not call you to ask for personal information. If you’re unsure whether a call is from Kingsport Press Credit Union, you can hang up and call our number directly: (423) 378-9292.
Do you have safe deposit boxes?
Yes, we have safe deposit boxes at the Kingsport Main Office and the Church Hill Branch.
Do you have a notary at your office(s)?
Yes, we offer complimentary notary service for our members at each of our branches.
Can I do a wire transfer at KPCU?
Yes, you can. Just visit any of our branches or give us a call to do a wire transfer.
Can I get a cashier’s check and/or money order at KPCU?
You can get a cashier’s check or a money order at KPCU.
Is the credit union’s money insured?
Yes, the NCUA insures the credit union’s money up to $250,000.
Do you exchange foreign currency?
No, we do not exchange foreign currency at this time.