Over the Limit Opt-In

Opt-In for Over the Limit Service

Effective February 22, 2010, you must opt-in to continue to receive your over-the-limit credit card protection service. By opting in, you give the credit union permission to approve credit card transactions for up to 5% over your credit limit. Without this coverage, you run the risk of having your credit card rejected at the register.

An over-the-limit fee of $35 will be charged only once per billing cycle in which your credit limit is exceeded. Please see our Fee Schedule page for more information. There are a variety of ways to contact us to opt-in for our over-the-limit service. Please select the option that is most convenient for you:

A. Contact us via secure chat or email through online banking
     Step 1: Log in to online banking.
     Step 2: Once you are in your account, select the Secure Chat or Support link in the upper right (shown below).


B. Contact a Member Service Representative by phone at 303.443.4672
C. Visit an Elevations branch


Call Us

Our contact center hours are:
Mon to Fri – 7 a.m. to 8 p.m.
Sat – 8 a.m. to 1 p.m.

Toll Free Nationwide: 800.429.7626
Denver Metro: 303.443.4672
Northern CO: 970.667.8585


Live Chat

Chat is available:
Mon to Fri – 7 a.m. to 6 p.m.
Sat – 8 a.m. to 1 p.m.
For your security: If you need to share account or personal information, please login to online banking and use our secure chat channel.



Visit a Branch

Find the nearest Elevations Branch or ATM, as well as over 30,000 CO-OP ATMs and 5,000 shared branches nationwide.

© Elevations Credit Union. All Rights Reserved. Routing# 307074580
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency