EPIC is “Your Credit Union” having served the Greater New Orleans area for over 80 years. See how you and your family can enjoy the many benefits of becoming a member of EPIC and enjoy the credit union difference!
“People helping people” is the basic premise of credit unions worldwide. Credit unions typically provide members with lower loan rates, competitive savings rates, and have little to no fee charges. EPIC’s commitment to this global philosophy allows us to provide a full range of services equal to or better than those at other financial institutions—fulfilling our goal of providing Better Banking to all our members.
You’re an Owner. When you deposit money into a credit union savings (share) account, it becomes your “share” of the Credit Union! In other words, you become a member and an owner. While other financial institutions pay profits to outside stockholders, credit unions return their net earnings to their member-owners through high dividends (interest) on savings and low loan rates.
The Board of Directors sets policies and guidelines that oversee all aspects of the credit union’s operations. These volunteers have a personal interest in the credit union’s success because they are member-owners, too.
Service is personal. Our knowledgeable and friendly staff is ready to assist those members who prefer person-to-person service. We pride ourselves on finding the best solutions for each member’s individual needs.
Our insurance is the safest around. Funds on deposit at EPIC are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government.
Become an EPIC Member! Open an EPIC Account!
To Qualify, you must meet at least one of the following:
- Related to or live with a current EPIC member
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Be employed at one of our over 300 employer/SEG partners.
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Live, work, worship or attend school in our EPIC Territory which includes Orleans, Jefferson, St. Charles, St. John, St. Benard and Plaquemines Parishes.
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Be employed by, a staff/faculty member of, or a student at any of our regional trade schools, colleges or university partners.
Home Banking
We are so excited to announce our NEW & Improved Home Banking Platform!
We have some great news to share! We have upgraded our Online Banking to provide you with even better service.
Some of the new features include:
- Easier to navigate panels.
- Responsive design- now you will be able to easily view accounts across computers and mobile devices with a more intuitive user interface.
- Enhanced security.
- SMS eAlerts.
- Overdraft options.
If you are not currently enrolled in Home Banking, you will certainly want to do so now. Home Banking makes everything you do with your finances simpler to manage. Access your account information anywhere you have access to the Internet — anytime!
Home Banking users still have access to these great features:
- Pay any bill for FREE with online ePay
- Enable Notify Me alerts to manage your security preferences
- Enable e-alerts – Stay informed about your accounts with email alerts
- Enable e-texts – Stay informed about your accounts with text alerts – Standard text messaging rates and data charges may apply
- Make a withdrawal by check or place a stop payment
- Apply for a loan
- Read or send emails securely to GNO with our eMailbox
- View & Print: statements, tax forms, loan payments & deposits, and cleared checks
- Transfer money between accounts with MoneyMover
NEW to Home Banking?
It’s so easy to get started. Simply go the Log In box on the right side of our home page at www.epicfcu.com. Then select “1st Time User” and begin your sign up process.
Effective Oct 17, 2017, the GNO FCU mobile banking app will only function on Google Chrome version 22+,Mozilla Firefox version 27+, Safari version 7+, Internet Explorer Version 10+, Windows 7+, Android Operating System version 5.0+, iOS version 9+.
*Android 2.5.7 Update has minor bug fixes and will affect the ATM/Branch finder, there will be some minor differences when viewing this feature. If you have any questions, please contact GNO.
Mobile Banking
EPIC FCU Mobile App
With Mobile Banking, Home Banking members will be able to stay on top of their account activity anywhere/anytime from their iPhone or Android smart phone.
Great News…We have updated our Mobile App!
We’ve made upgrades to our EPIC FCU mobile app to make your mobile banking experience a breeze.
If you already have the app you will simply need to upgrade it through your smart phone. If you will be downloading this app for the first time, create your log-in and password by enrolling in online banking.
In addition to technical modifications to improve system performance and security, our upgraded app will feature a new modern design, providing you a more accessible and enjoyable digital on-the-go experience.
User Experience Improvements Include:
- Fingerprint ID Login – For smartphones with fingerprint technology
- Express View – This feature gives you access to balances and history without the need to log in
- Shared Branch and ATM Locator – Find an ATM or Shared branch when you are on the go
- What’s New Button – Click to see our latest promotions
Mobile Banking members will still be able to:
- Get account information quickly and safely
- Make a deposit with ezDeposit
- Transfer money between accounts
- Make transfers between shares & loans
- Review share and loan histories
Enjoy better banking on the go and download our mobile app today.
Please Note: When making a transfer, if you are having problems viewing the done button on your iOS device, go to GENERAL –> ACCESSIBILITY –> BUTTON SHAPES and turn it OFF. Then, swipe the app from memory, reopen, login and try again. The button will be visible.
Get The Android™ Application
The EPIC FCU Mobile Banking Android application is compatible with most Android mobile phones. Search “EPIC” to download our FREE app.
Effective Oct 17, 2017, the EPIC FCU mobile banking app will only function on Google Chrome version 22+, Mozilla Firefox version 27+, Safari version 7+, Internet Explorer Version 10+, Windows 7+, Android Operating System version 5.0+, iOS version 9+.
*Android 2.5.7 Update has minor bug fixes and will affect the ATM/Branch finder, there will be some minor differences when viewing this feature. If you have any questions, please contact EPIC.
Get The iOS App
The EPIC Mobile Banking iPhone application is compatible with most iPhone mobile phones. Search “EPIC” to download our FREE app.
ezDeposit Remote Deposit
Remote deposit capture allows you to use your phone to deposit a check into your account. You simply take a photo of the front and back of the check, enter the amount you’re depositing, and choose which account to use. People of all ages love their phone camera, and now you can use it for banking, too.
Frequently Asked Questions:
Can I deposit any check with ezDeposit?
You should only use ezDeposit for domestic checks not drawn on your own account. Checks must be made payable to an owner of the share and must have a proper endorsement on the back. Checks may be rejected if they are incomplete, post-dated or stale-dated, made payable to a third party, or stamped with a “non-negotiable” watermark. Be sure your checks have no evidence of alteration or contain a restrictive endorsement. Checks drawn on EPIC Federal Credit Union and U.S. Savings Bonds are not eligible for ezDeposit.
Should I endorse the back of the check?
Yes. If you don’t endorse the back of the check, your ezDeposit may be rejected. Your endorsement should include your signature, account number, and “For EPIC Mobile Deposit Only”.
When will the deposit post to my account?
Deposits may post immediately or may be accepted into a review queue. You will receive an email once your deposit has been posted to your account.
What conditions cause a deposit to go to the review queue?
There is no single reason that a deposit will go to the review queue. Conditions include fields or characters on a check image that are difficult to read, a deposit that is outside your normal and historical pattern, a missing or illegible endorsement, or a check image that is a suspected duplicate of a previously deposited check.
If my deposit was accepted, but is in the review queue, can I try to deposit it again?
No. A second attempt will, in most cases, add to the delay, could result in a fee in accordance with our Fee Schedule, and may result in a revocation of your ezDeposit access.
How will I know when a deposit that was accepted to the review queue is posted to my account?
When the deposit is reviewed and released from the queue, you will receive an email letting you know that it has posted to your account. Rarely, a deposit will be rejected after review. If your deposit is rejected from the review queue, you will receive an email telling you the reason your deposit was rejected.
I received an email stating that my deposit was posted and I see it in my account. Should I destroy the check now?
Although most check images clear the account on which the check was drawn without any problem, we ask that you retain the check in a safe place for ten days after the deposit has posted. Be sure to mark it as an item you have already deposited so that it is not inadvertently re-deposited by you or someone else in your household.
What if I’ve made an error or need to speak with someone about my ezDeposit?
You can contact us about your ezDeposit or about any EPIC Federal Credit Union issue by emailing us or calling us at 504-454-8224.
Advance Pay
Payday is coming early!
GET PAID SOONER… Automatically get paid up to two days sooner.
NO CATCH, NO FEES
Access your paycheck sooner than your expected payday. It’s free! When you have direct deposit with EPIC Federal Credit Union, you can automatically get your funds up to two days early.*
Advance Pay from EPIC Federal Credit Union:
- ACH deposits may hit your account up to 2 days early
- Eligible ACH deposits include, but are not limited to: payroll, pensions, and government deposits.
Frequently Asked Questions
What is Advance Pay?
Advance Pay is a free EPIC membership perk that is provided to EPIC members who have a direct deposit. There is no enrollment or activation necessary. All you need to do is set up a direct deposit to your account! If we receive deposit information for your account early, we will deposit it into your account when it is received up to two days early, rather than on your regularly scheduled payday.
When will Advance Pay begin?
Advanced Pay began at EPIC FCU in September of 2024.
How do I know if my direct deposit qualifies?
If your deposit typically shows as pending with your online banking prior to your actual pay date, this would qualify the direct deposit for Advance Pay.
How do I sign up?
If you have direct deposit set up, you are automatically included in Advance Pay!
What does it cost to participate in Advance Pay?
This is a free EPIC membership perk for members of EPIC.
Will I always get my direct deposit early?
There’s no guarantee that you will always receive ACH or direct deposits early, since it depends on when it is received by us for posting. It is important to monitor your accounts to make sure your deposits are funded to your account before spending money. We will post the deposits when we receive them, up to 2 days early.
Will this impact my external automatic payments?
No. External automatic payments running through the account will not be affected and will still be withdrawn on the normal date. Such external automatic payments include vehicle loans, mortgage loans, credit card payments, utility payments, etc. Account holders are responsible for ensuring funds are available on scheduled payment dates.
Will this impact internal transfers on my account?
No. Scheduled transfers will not be affected and will still be transferred on the normal date. This type of transaction includes internal loan payments or share to share transfers, etc. Account holders are responsible for ensuring funds are available on scheduled transfer dates.
How will I know when I’ve received the funds?
You can set up alerts and notifications through online banking so that you’re notified when funds are deposited to your account.
What if I change jobs?
You will need to set up direct deposit through your new employer. They will need your account number and routing number to begin initiating deposits. Let us know if you need this information and we can provide it to you.
Why did I receive my direct deposit early last time but not this time?
Employers don’t always submit their direct deposit information at the same time each pay period. Unfortunately, we do not have control over the timing. You can enroll in text and email alerts within your online banking to be notified as soon as the funds are deposited.
How will Advance Pay affect my Bill Pay payments?
We recommend keeping your bill payment dates the same. As a reminder, your direct deposit may not always come early.
I have a recurring direct deposit with EPIC, why am I not receiving my deposit early?
If you are not receiving your deposit early, that could mean that your employer is not submitting your direct deposit information in advance of your payday. This service is completely dependent on the timing of the employer’s submission of the direct deposit information.
*Terms: Membership required. Advance Pay is a service in which we credit eligible ACH deposits up to two business days early based on when the payer submits the information to us. We cannot guarantee that you will receive Advance Pay due to unanticipated circumstances. Eligible ACH deposits include, but are not limited to: payroll, pensions, and government deposits. Other deposits, such as: check or mobile deposits and card transactions are not eligible for Advance Pay. Advance Pay is automatic and there is no fee. Advance Pay is offered at the discretion of EPIC, and we reserve the right to cancel the service at any time and without notice to you.
Account Alerts
Account Alerts is a FREE service that allows our Home Banking members to receive prompt notification of important activity taking place in their EPIC accounts. These alerts will keep you up-to-date and serve as an early identity theft warning system.
EPIC now offers nine alerts:
- Share Account
- Transaction
- Check Status by Range
- Certificate Maturing
- Check Cleared Out of Sequence
- Loan Account
- Check Status
- Reminders
- Events
For the first eight alerts, you may register up to two e-mail addresses. For Event Alerts, you may register more than two e-mail addresses separated by commas. Event Alerts are reports of account activity, such as withdrawals and deposits, which can be used to prevent identity theft.
Below are the instructions for members to register for one or more e-mail Account Alert:
- Log into Home Banking.
- Select Accounts then Account Alerts from the Navigation Bar.
- Click on the link “Click here to add new alerts or reminders” to set up your new reminders.
eStatements & eBill Pay
GO Green . . . Enjoy Green!
With EPIC eStatements, you can access your Home Banking and VISA credit card records anywhere – anytime, so you can spend more time enjoying the environment you’re helping to save! Plus, you’ll save the $5.00 paper statement fee.
Signing up is a breeze!
- Log into your Home Banking Account*
- Under Accounts, click on “eStatements”
- A new window will pop up
- Type in your name and email address
- Click “I Agree”
Once you’re an eStatement member, you can:
- Download, view, and organize statements on your computer
- Reduce the risk of fraud and identity theft often related to receiving paper statements
- Receive email notifications when statements are ready
- Save the environment by printing only as needed
*Call us at 504.454.8224 for more details or assistance in signing up!
Sign Up for ePay
Pay your bills online every month with ePay.
How to sign up for ePay:
- Log into Home Banking and click on Account Setup under the Bill Pay tab.
- Accept the terms and conditions, and then fill out the short account setup.
By noon on the next business day, you will be able to begin setting up payees and scheduling payments! Pay one-time bills or schedule recurring payments on a monthly, weekly, or semi-monthly basis.
Safe Deposit Boxes
Safe Deposit Boxes are available for members at the Metairie branch location. Annual rental fees apply.
Boxes are available in the following sizes:
- 3 x 10 x 22 – $40.00
- 5 x 10 x 22 – $50.00
Annual rentals begin in January. Rates are prorated thereafter.
For more information on safe deposit box rental, contact the Member Service Center.
Direct Deposit & Payroll Deduction
Payroll Deduction
Payroll deduction is a convenient service that deducts money from your paycheck and deposits it directly into your EPIC account. This free service helps you avoid late loan payments and encourages consistent saving.
Use payroll deduction to:
- Make loan payments automatically
- Make regular deposits to checking, savings, or IRAs
- Save for a family vacation
To learn more about Direct Deposit or Payroll Deduction, or to sign up, contact the Member Service Center.
Direct Deposit
Direct Deposit is the electronic transfer of a payment from a company or organization into your checking or savings account. While most commonly used for payroll, Direct Deposit can also be used for:
- Annuities
- Bonuses and Commissions
- Dividend and Interest Payments
- Pensions
- Travel Expense Settlements
- Tax Refunds
- Social Security or other Government Payments
Benefits of Direct Deposit:
- Safe, confidential, convenient, and fast
- Access your pay the morning of the transfer (settlement) date
- Faster tax refunds when using Direct Deposit
- Fewer issues than paper checks—20x more reliable
- No waiting for checks to clear
How does Direct Deposit work?
- You complete a standard enrollment form authorizing the deposit into one or more of your EPIC accounts
- The depositing organization may send a test entry via the ACH network (no funds transferred) to confirm your account info
- Once confirmed, EPIC credits your account and reports the transactions on your monthly statement
Wire Transfers
Incoming Wires
Institution Name: EPIC / EPIC FCU
Institution Location: 3105 Lime St, Metairie, LA 70006
Routing Number/ABA: 265075825
Final Credit/Beneficiary Name: Your Name (As it appears on the account)
Beneficiary Account #: Your Account Number (Your Member Number)
For the Outgoing International Wire Transfer, Click Here.
For the Outgoing Domestic Wire Transfer, Click Here.
Questions or further information, call (504) 454-8224.
Debit / ATM / Credit Card
ATM Cards
- Automated Teller Machine (ATM) cards get you your money fast.
- Use your EPIC / EPIC FCU ATM card at CU24 Network ATM Locations nationwide FREE or any EPIC / EPIC FCU ATM.
- Your ATM card can be used at any merchant displaying the Pulse and/or Plus logo.
- Withdraw funds 24 hours a day.
- To request an ATM card, simply contact the Member Service Center.
Debit Cards
- Debit Cards give you free access to your accounts at all EPIC / EPIC FCU ATMs
- Use your Debit Card for cash back at EPIC / EPIC FCU ATMs or at CU24 Network ATM Locations nationwide FREE.
- Your Debit card can be used at any merchant displaying the Pulse and/or Plus logo.
- Money for purchases comes directly from your primary checking account*.
- Making a purchase is quicker and easier than writing a paper check.
- Transactions are shown in detail in EPIC / EPIC FCU’s Home Banking and on your checking account statement.
- To request a Debit card, simply contact the Member Service Center.
To report a lost or stolen ATM/Debit or Credit Card:
504.459.8170 Option 3
*Effective July 7, 2009, EPIC / EPIC FCU will no longer authorize any debit card transactions at Car Rental Agencies. Rental Car merchants often repeatedly try to authorize approvals on small increments which may exceed checking account balances. EPIC / EPIC FCU’s Visa Credit Card products are a great addition to your wallet and may be used at Car Rental Agencies as well as anywhere that accepts Visa Credit Cards.
Direct Dispute Form
Direct Dispute form is for disputing information submitted to Consumer Reporting Agencies by EPIC Federal Credit Union.
GAP, Mechanical Repair Coverage, Credit Life and Credit Disability
GAP, Mechanical Repair Coverage, Credit Life and Credit Disability
Guaranteed Asset Protection
If your vehicle is damaged beyond repair or stolen, your insurance company may only pay what the vehicle is worth—which is often less than what you owe on your loan. Guaranteed Asset Protection (GAP) helps maintain your peace of mind by cancelling the difference between the vehicle’s value and the balance of your loan.
Mechanical Repair Coverage
Getting an auto loan at the right rate is important, protecting that auto is just as important. Having the right protection for those unexpected breakdowns could mean having MEMBER’S CHOICE® Mechanical Repair Coverage (MRC). Mechanical Repair Coverage helps ensure that major repairs to your car are covered when the unexpected happens.
Credit Life and Credit Disability
While you can’t predict an accident, you can plan how you’ll be able to financially handle one should it occur. MEMBER’S CHOICE® Credit Life and Credit Disability Insurance plans offer loan-specific coverage.
MEMBER’S CHOICE® Credit Life Insurance is a voluntary coverage that can help reduce or pay off your loan balance, up to the maximum limit, if you or your covered co-borrower pass away.
MEMBER’S CHOICE® Credit Disability Insurance is a voluntary coverage plan that helps make monthly loan payments, up to the maximum limit, should you become totally disabled, until you are no longer disabled.
Going the Distance for Our Community
What It Means To Be A CDFI
Community Development Financial Institutions—or CDFIs—are mission-driven financial institutions that are dedicated to providing financial services to meet the needs of economically disadvantaged individuals within underserved communities.
CDFIs invest in local communities and the residents who live there by providing critically needed financing often unavailable from mainstream financial institutions.
CDFIs are certified by the U.S. Department of the Treasury’s Community Development Financial Institutions Fund—known as the CDFI Fund. In order to become a certified CDFI, the financial institution must: have a primary mission of promoting community development; provide financial products and services; serve one or more defined low income target markets; maintain accountability to the community it serves; and be a legal non-governmental entity.
All CDFIs share a common mission of serving low-income communities. CDFIs are commonly loan funds, credit unions, community banks, or venture capital funds.
Certified CDFIs are part of a national network promoting economic growth in America’s underserved communities by financing businesses, creating jobs, and rebuilding neighborhoods.
As a CDFI, EPIC Federal Credit Union will expand our financial footprint within the community and continue to provide the products and services our members need, no matter where they are in life’s journey.
Interested in membership at EPIC? Get Started Now.