Our most commonly asked questions.
For our complete list of Frequently Asked Questions, please log in to online banking and select “FAQs” under the Help Center tab. For further assistance, contact us.
Marshall Wildfire Resources
Please take time to find a safe place to stay and ensure the health and safety of your loved ones. Most importantly, please take time to address your mental health and the health and safety of your family.
Logistically, you should obtain a copy of your fire report as soon as it is available and contact your insurance agent. Your homeowners’ insurance may contain coverage to assist you while you are displaced. Your homeowners’ insurance may cover most obligations related to your mortgage and personal property.
To speak to our team members about banking needs, please complete this form(opens in a new window) for a call back at your convenience. All branches are now currently open, except for the UMC branch on the CU campus.
If you are concerned about a loan payment with Elevations, please know that we are ready to help you and can discuss any of your concerns at your convenience. The most important thing is your safety. Please let us know that you have been impacted so that we can prepare to assist you by completing this form(opens in a new window).
Our sincerest sympathies are with you during this time. The first step you should take is contacting your insurance agent and alerting them to the damage or loss. Please reference this insurance information from the Colorado Department of Regulatory Agencies(opens in a new window).
Next, you should contact your lender if you have a loan on the property. Your lender can walk you through next steps depending on the amount of damage or loss your property sustained. If your loan is with Elevations, please provide us your information here(opens in a new window) so that we can reach out to you with additional information.
Elevations Credit Union stands with you during this terrible time. For many consumer loans, we will have skip payments and loan deferrals available for your loans with us. If your mortgage loan is with Elevations, we can assist you with deferrals or other forbearance options that will not impact your credit. Please reach out to us here(opens in a new window) and let us know that you have been impacted.
Due to the holiday, we are unable to stop loan payments set to be automatically applied to an Elevations loan. However, you can contact us(opens in a new window) and we will work with you to reverse the payment or provide provisional credit for the loan payment.
Many of you have already reached out wondering how you can help our community members who have lost their homes. The Elevations Foundation has announced the Elevations Foundation Fire Relief Fund, in which the Foundation and Elevations Credit Union will match community donations up to $200,000. 100% of donations will go directly to those impacted by this tragedy.
If you would like to contribute to the fund, you may do this immediately via this link(opens in a new window).
- Buy a spiral bound notebook for each claim you have. Many people will have a homeowners claim and at least one auto claim. You will have different people assisting you through each claim. Dedicate the first page to recording contact information of the people you are working with. You should also write your insurance claim number on this page. Most companies you work with will need to have your claim number and adjuster contact.- Save your receipts. If you need to buy food, toothbrushes, clothing, etc. save your receipts in an envelope. If you can keep them in chronological order that will help your adjuster get you reimbursed more efficiently. Different policies provide different coverages. Partner with your adjuster to find out what benefit your policy is able to provide.- Most insurance policies will help you with temporary housing while your home is unlivable. Ask your agent or adjuster about this coverage.- Be skeptical of solicitors. Anyone who wants you to sign a contract right away, may not have your best interest at heart. Talk to your insurance agent about who is reputable, do your own research, ask for references. If you do sign a contract you don’t feel right about, you have 72 hours to cancel it without reason. Provide the cancelation in writing and save a copy. Anyone performing emergency repairs will need you to sign a contract authorizing them to work on your home. Just read the document and make sure you are aware of what you are agreeing to. You can make handwritten changes as needed. Just make sure you get a copy.- If your home is without power, frozen pipes are a concern. If you are able to access your home, you can do some simple things to minimize your chances of damage from frozen pipes. First and foremost, turn off the main water supply to your home, this is commonly in your utility room but may be located somewhere else. After the main water supply is turned off, open all of your faucets. If possible, drain your water heater. Minimally open the water heater pressure relief valve. Flush toilets and pour RV Antifreeze into the tanks and bowls. Open outside hose faucets.- Take photos in each room of your home. Take at least four photos of each room. One photo from each corner. Detailed photos of higher dollar or rare items are also a good idea.- Take time for yourself. Sleep. Exercise. Find reasons to laugh. Make this an adventure for children. They will mirror your attitude and reactions. - Ask questions. This is a stressful event and you may forget answers to questions you already asked. That is okay. Those of us that help others through these types of situations understand you may need to ask the same question multiple times and we want you to ask until you have a good understanding.
- First Responders, Insurance Companies, Contractors, Humanitarian Aid Workers and many more are mobilizing to ensure they can help everyone.
Routing Number, Account Number and Direct Deposit
A routing number is a nine-digit code to identify your financial institution. This may also be called an American Bankers Association (ABA) routing transit number (RTN). You will need the routing number for transfers, wire transfers and direct deposit. Elevations Credit Union does not have a SWIFT Code, IBAN or other international routing code for wires coming from outside the U.S., but you can wire funds to your Elevations account without this information. Your international financial institution will have a corresponding bank in the U.S. they can wire to, which will forward the funds to Elevations using our routing number: 307074580.
Your account number is a 13-digit number. Pick one of the options below to find it:
Log in to online banking, select the account and then select “Account Details” to view the ACH number (this is your account number) – watch our video tutorial(opens in a new window) to see how
Log in to the mobile app, select the account and then select “Details” to view the ACH number (this is your account number)
For your checking account number, identify the 13-digit account number at the bottom of your checks
Your member number is the last six digits of your full 13-digit account number. This is used to enroll in online banking.
To set up direct deposit, please download, fill out and print the Direct Deposit Form (PDF). Give the completed form to the company or organization initiating the payment.
You’ll need to know the Elevations routing number and your account number:
Elevations routing number: 307074580
Your Elevations account number: Find your 13-digit account number at the bottom of your checks or in online banking. To find the number in online banking, select the appropriate checking account and click "Account Details" to view the ACH number (this is your account number). Watch our video to see how to find your account number.(opens in a new window) If you prefer, you may also attach a voided personal check to the direct deposit form to confirm the account number.
Mortgage Payments
Mortgage payments are due on the first day of every month. Payments received after the 16th of the month will incur a late fee. Choose the way you’d like to make your payment:
OnlineYou may use your Elevations account or an account at another financial institution to pay your mortgage online. Here’s how:
Select “Mortgage Service Center” under the Mortgage tab. If you have multiple mortgage accounts, select the one you’d like to make a payment for
Select “Online Payment” and then either “Make a Payment” (for a one-time payment) or “Automatic Payments” (to set up recurring payments)
Follow the instructions to pay
Setting up recurring payments: Watch our video tutorial(opens in a new window) for step-by-step instructions. Please note that if you set up recurring payments, your payment amount will automatically adjust if your mortgage payment changes for any reason.
By phone Choose to call our trusted mortgage servicing partner, Dovenmuehle Mortgage, Inc. (DMI), directly for faster processing times, or call us at Elevations.
How to call Dovenmuehle Mortgage, Inc.: Call (877) 849-9267(opens in a new window), Monday through Friday from 8 a.m.-5 p.m. MT. Have your routing number and account numbers for the electronic transfer ready. There is a fee of $9.50 for using the payment system or $11.50 for paying with a representative.
How to call Elevations: Call (800) 429-7626(opens in a new window) to make your mortgage payment, Monday through Friday from 7 a.m.-8 p.m. MT and Saturday from 8 a.m.-1 p.m. MT. Please note that your payment will take 1-3 business days to process.
At a branch or by mail
In branch: You can make a mortgage payment at any Elevations branch(opens in a new window).
By mail: Please mail a check with your name and 10-digit mortgage loan number (available on your mortgage statements) to:Dovenmuehle Mortgage, Inc.PO Box 660592Dallas, TX 75266-0592
Wire Transfers
Before you send a wire transfer, please review these important details:
Your responses on the downloadable wire transfer form below must be typed (incomplete or handwritten forms can’t be processed); please complete the form before printing
Do not sign the form until you can be verified in branch or by a licensed notary
For faxed requests, a valid notary’s signature and visible stamp are required
Domestic wire transfers to U.S. locations usually reach their destination in 1 to 2 business days. International wire transfers may take longer.
During the coronavirus pandemic, we are here to help you with wire transfers. To meet with a notary at a branch, please schedule a visit online or give us a call at (800) 429-7626(opens in a new window) for additional options.
Wire transfer forms and instructions:
Outgoing domestic wire transfers*: To send a wire transfer to another financial institution domestically, please complete the Domestic Wire Request Form (PDF). To process the transfer, your responses must be typed.
Outgoing international wire transfers**: To send a wire transfer to another financial institution internationally, please complete the International Wire Request Form (PDF). To process the transfer, your responses must be typed.
Please return all completed pages of the wire transfer forms to any Elevations Credit Union branch or fax to (303) 247-8835, Attention: Payment Services. To confirm receipt of your faxed wire request, please contact us at (800) 429-7626. This answer is also related to: Closing Wire, Mortgage Wire, Wire, Bank Transfer, Credit Transfer
To receive funds in your Elevations Credit Union account via wire transfer†, you’ll need to provide the following information to the financial institution sending the wire transfer. 1. Elevations Credit Union information
Please use the following address: Elevations Credit Union 2960 Diagonal Highway Boulder, CO 80301 Phone Number: (800) 429-7626 Routing Number: 307074580 Elevations Credit Union does not have a SWIFT Code, IBAN or other international routing code for wires coming from outside the U.S., but you can wire funds to your Elevations account without this information. Your international financial institution will have a corresponding bank in the U.S. they can wire to, which will forward the funds to Elevations using our routing number: 307074580. 2. Your information For checking deposits, provide your account number, plus your name and address associated with your account (as they appear on your statements or personal checks). For instructions on wiring to an account other than your checking account, please contact us. †A fee of $10.00 will be charged for Incoming Wire Transfers. Please see our Fee Schedule for more information.
Person to Person (P2P) payments
Person-to-person transfer options like Popmoney, Zelle® and Venmo let you send and receive money anytime, anywhere. These services are designed for paying friends and family — people you know and trust.
Popmoney — available in Elevations Online Banking and the Elevations Mobile App.
Send and receive money right from Elevations Online Banking and the Elevations Mobile App.
Elevations Online Banking:(opens in a new window) Under the Transfers tab, click “Pay Other People with Popmoney.” Click “Get Started” to enroll.
Elevations Mobile App: Under the More menu, select “Popmoney.” Click “Enroll Now” to get started.
Looking to transfer money from your Elevations account to an external account that’s also in your name? See how here.(opens in a new window)
Other common transfer options.
Zelle: While we do not offer Zelle at this time, you can still use Zelle by downloading the Zelle mobile app. Follow the steps to enroll and have your Elevations account information handy. After enrolling, you’ll be able to use the Zelle app to send and receive money with your Elevations account. Learn more(opens in a new window).
Venmo: Download the Venmo mobile app, and then follow the steps to enroll with your Elevations account information. You may choose to link a debit card, checking account, savings account, credit card and more to make payments with Venmo. Learn more(opens in a new window).
For ways to protect yourself, please review the Consumer Financial Protection Bureau’s article: Helpful tips for using mobile payments services and avoiding risky mistakes(opens in a new window). Be sure to read through any agreements and disclosures provided by your transfer service.
Loan and Credit Card Payments
You can make payments for your credit card, auto loan, personal loan, home equity line of credit, home equity loan or energy loan in online banking using your Elevations account or an account at another financial institution.
Make a payment with an Elevations account: After you log in to online banking(opens in a new window), select “Pay With Elevations Account” under the Loans tab — or select “Pay” underneath the loan or credit card from the Accounts section of your online banking homepage. Pick which Elevations account you’d like to make the payment from, and choose whether you want to set up a one-time or recurring payment.
Make a payment from an external account at another financial institution: After you log in to online banking(opens in a new window), select “Pay With External Account” under the Loans tab. Follow the instructions to add and verify a new account. To verify the new external payment account, Elevations will make two micro-deposits into the account. It can take up to two business days for the deposits to show up in the account. Once they post, Elevations will remove the deposits. You will need to finish verifying the external account in online banking. After you’ve verified the external account, you can choose whether you’d like to set up a one-time or recurring payment.
Watch our video to see how to pay a loan from an external account.(opens in a new window)
You can make payments for your credit card, auto loan, personal loan, home equity line of credit, home equity loan or energy loan in our mobile app using your Elevations account or an account at another financial institution.
Make a payment with an Elevations account: After you log in to the mobile app, select “Transfers” in the bottom menu bar. Pick which Elevations account you’d like to make the payment from, and choose whether you want to set up a one-time or recurring payment.
Make a payment from an external account at another financial institution: After you log in to the mobile app, select “More” in the bottom menu bar and then “Pay Loan from Outside Account” under Loans. Follow the instructions to add and verify a new account. To verify the new external payment account, Elevations will make two micro-deposits into the account. It can take up to two business days for the deposits to show up in the account. Once they post, Elevations will remove the deposits. You will need to finish verifying the external account in online banking.
Please visit the Elevations Loan Payment Center(opens in a new window) to make a loan or credit card payment with a debit card — this is for one-time payments only for your credit card, auto loan, personal loan, home equity line of credit, home equity loan or energy loan. Please allow two business days for your payment to be applied to your account after you submit it.
You can make payments for your credit card, auto loan, personal loan, home equity line of credit, home equity loan or energy loan using your Elevations account or an external account at another financial institution.
By phone: Please call (800) 429-7626, Monday through Friday from 7 a.m.-6 p.m. and Saturday from 8 a.m.-1 p.m. MT. You may pay with a debit card or by electronic transfer using your routing and account numbers. If you pay by electronic transfer, it will take three business days for your payment to be applied to your account.
In branch: You can make a payment at any Elevations branch(opens in a new window).
By mail: Please mail your check with your name and the full account number on your statement to:
Elevations Credit UnionAttn: Operations DeptPO Box 9004Boulder, CO 80301
Loan payments, including those sent by mail, must be received by the payment due date to avoid late fees. Processing your payment is faster online, by phone or at a branch.
Debit and Credit Card Assistance
Please let us know when and where you’re traveling to help ensure uninterrupted use of your Elevations Visa card. Call us at (800) 429-7626(opens in a new window), use our live chat link at the top of this page or visit a branch. If you do not notify us, our system may flag your card usage as potential fraud and block your card. If your card is blocked, please call (888) 346-4412(opens in a new window), available 24/7.
Please call (888) 346-4412(opens in a new window), available 24/7. Please note that all disputes must be received within 60 days of the statement on which the disputed item appears. If your disputed transaction is past that timeframe, you will need to resolve the matter directly with the merchant.
If you're unable to call this number, please use our live chat link at the top of this page, visit a branch or call us at (800) 429-7626(opens in a new window).
To report a lost or stolen credit or debit card, please call (888) 241-2510(opens in a new window) within the U.S., or (909) 941-1398(opens in a new window) collect outside of the U.S. Available 24/7.
To replace your credit or debit card, please call (888) 346-4412(opens in a new window), available 24/7. You may also log in to Elevations Online Banking and start a secure chat to replace your card. Please note that it may take 5-7 days for delivery of your new card by mail. To receive your card instantly, please visit an Elevations branch.
To set up or reset/change your PIN, please call (866) 762-0558(opens in a new window) available 24/7, and have your card number on hand. You may also stop by an Elevations branch for assistance.
This answer is also related to: Bank Card PIN, ATM Code, Secret Code, Cash Code
Checks, Joint Account Holders and Name Changes
You can order checks in Elevations Online Banking, over the phone at (800) 429-7626(opens in a new window) or at an Elevations branch. To order checks in Elevations Online Banking, select “Order Checks” in the Additional Services tab.
Watch our video tutorial for step-by-step instructions from there.(opens in a new window)
To add a joint account holder, please schedule an appointment at a branch, call us at (800) 429-7626(opens in a new window) or connect with us through Secure Chat in online banking. We will provide you with the required documentation to add a joint account holder.
Please fill out a new Membership and Services Application (PDF) with your name change. You will also need supporting documentation:
A photocopy of the court document stating the name change (a marriage license ordivorce decree)
A photocopy of either your updated social security card with the new name showingon it OR your unexpired government-issued ID stating the name change.
Please drop off your completed form and supporting document(s) at a branch or mail them to:
Elevations Credit UnionAttention: OperationsP.O. Box 9004Boulder, CO 80301
Branch Services, Membership and Holiday Closures
Yes, Elevations offers both notary and signature guarantee services.
Notary service
Notary service is free for Elevations members. Notaries are typically available at all Elevations branches every day; please call ahead to confirm, or make an appointment online.
You will need to bring:
Your valid government-issued identification (driver's license, state ID card or passport)
The completed document you need notarized (except for the signature)
A witness, if your document requires it (we will only provide the notary, not the witness)
Medallion signature guarantee service
Medallion signature guarantee service is free for Elevations members. This service is required by the company managing securities, usually noted on their documentation, and is typically used to make changes, move securities or transfer securities including after the death of an account holder. Please call (800) 429-7626 to schedule an appointment, or make an appointment online.
This service is only available for securities that have a current value of less than $500,000.
You will need to bring:
Your valid government-issued identification (driver's license, state ID card or passport)
A current statement showing the value of the securities and your ownership of them
To transfer ownership: a personal representative and/or estate paperwork that specifically states that you either have the rights to the securities or that you have the rights to the securities as a result of the account holder’s death
There are many services available to you when you visit a CO-OP shared branch, including:
Deposits
Withdrawals up to $1,500 in cash (cash limit may vary by credit union)
Loan payments
Credit card cash advances
These services are available at some CO-OP locations — please call the location to determine if they are available:
Travelers checks and money orders
Notary services
Fee-free ATMs
Please note that shared branching is not available for business banking members at this time, however shared ATMs may be used for business banking account access.
To join Elevations as a member, you need to meet one of the following criteria:
Live or work in Adams, Arapahoe, Boulder, Broomfield, Clear Creek, Denver, Douglas, El Paso, Gilpin, Grand, Jefferson, Larimer, Park or Weld counties
Work or study at CU Boulder or Naropa University
Work for one of the nearly 400 employers and associations that use Elevations as a financial services provider
Be related to an Elevations member
Make a donation of $15 or more to Elevations Foundation
Join Elevations by opening a Membership Savings Account and paying a one-time $5 membership fee. A membership fee is required for each account holder. We donate your one-time $5 membership fee to Elevations Foundation. Once you’re a member, you can apply for checking accounts, credit cards, loans and more.
As not-for-profit financial institutions, credit unions are required by the National Credit Union Administration to provide membership by either charging a membership fee or requiring members to keep a minimum amount of money in a savings account (aka a share deposit). To enhance our commitment to the communities we serve, we have chosen to charge a one-time $5 membership fee and donate this entire amount to Elevations Foundation.
Yes, if you open an account with another person (aka a joint account holder), you will both need to pay the one-time $5 membership fee and become members of Elevations if you are not currently members.
No, existing members do not need to pay the $5 membership fee.
**Fees for Outgoing International Wire Transfers are $45.
*A Member Service Representative may call to verify any wire request. A fee of $20.00 will be charged for Outgoing Domestic Wire Transfers per our Fee Schedule.
†A fee of $10.00 will be charged for Incoming Wire Transfers. Please see our Fee Schedule for more information.