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frequently asked questions

Q: Is it difficult to switch my loans & accounts to Canopy?
A: It’s a breeze! One of our expert Member Advocates will walk you through every step of the way. Becoming a member and making the switch is as easy as these four steps:

  1. Apply online or in person at one of our branch locations (it’s just $5 to open your membership).
  2. One of our Member Advocates will connect with you and help you figure out what options will be best for your individual needs.
  3. Your Member Advocate will help you figure out what automatic payments need to be changed and give you direct deposit information
  4. Close your old accounts!

Q: Will accessing my money be more difficult because you don’t have very many locations?
A: Your money is accessible to you at any time through online banking, our mobile app, and telephone banking. Canopy members have access to the Co-op ATM network that allows you to use most other credit union ATMs without a fee! Find out what credit unions are part of this network.

Q: Do you offer the same products and services that other larger financial institutions do?
A: That and even more! Being a “right-sized” credit union means we have the flexibility to listen to our member needs and have a shorter turnaround time to make helpful products and services available. Plus, you won’t find any phone trees here – one of our expert staff will answer your phone call personally.

Q.  I tried to make an online transfer from my savings to my checking but it didn't go through.  Why not?
A.  It may have to do with a little federal regulation known as Reg D.  Reg D limits the number of transactions you are able do from your savings, or money market accounts, to your other Canopy Credit Union accounts.

Q.  Did I receive a 1099? 
A.  Canopy Credit Union does not mail out a 1099 if you earned less than $10 in dividends.

Q.  Did I receive a 1098?
A. Canopy Credit Union does not mail out a 1098 if you paid less than $600 in interest per mortgage, per year.

Q.  Do I have to declare dividends earned, or interest paid, if I didn't receive a 1099 or a 1098?
A.  You will want to contact a tax preparation specialist for an answer regarding dividends earned or interest paid.

Q.  I want to set up direct deposit.  How do I go about doing it?
A.  To set up direct deposit, you'll need to contact someone who does payroll at your place of employment.  Sometimes we can do it here at the Credit Union, but sometimes we can't.

Q.  What is Canopy Credit Union's routing number?
A. 325182629 

Q.  I made a deposit into an ATM yesterday.  Why hasn't it shown up in my account yet?
A.  Unfortunately, there is an approximate three day hold on deposits made in an ATM.  The funds should show in your balance; however, they may not show in your available balance until after the hold has been released.

Q.  What is the Credit Union's holiday closure schedule?
A.  Canopy Credit Union is closed on:

Q.  What is the password criteria for Online Banking
A.  Your new password should include the following:

Q.  How do I get a free copy of my credit report?
A.  Annual Credit Report

Q.  How do I place a stop payment on a lost or stolen check?
A.  You can place a stop payment on a lost or stolen check through Online Banking, or by contacting anyone in Member Services.  If your check has been stolen, please contact us to ensure we are able to work together towards protecting your membership and your money.

Q.  How do I report a lost or stolen credit and/or debit card?
A.  Call us at 509.328.2900 during the hours of 8:30 a.m. - 5:30 p.m., Monday through Friday.
If it's outside of normal business hours, please call 1.833.221.8684.

Q.  How do I send a wire transfer?
A.  If you're sending a wire transfer from Canopy Credit Union to another financial institution, you will need to contact the financial institution you're sending the wire to and ask them for their specific wiring instructions.  Then, contact Member Services, and we will take care of the rest for you!

Q.  How do I receive a wire transfer?
A.  You'll want to give the person/financial institution sending the wire transfer Canopy Credit Union's specific wiring instructions.  Here they are!

Wire to: Catalyst Corporate Federal Credit Union
Address: 6801 Parkwood Blvd, Plano, TX 75024
ABA#: 311990511
For Credit to: Canopy FCU
Address: 601 W Mallon, Spokane, WA 99201
Account #: 325182629
For Final Credit to: your name, your member number, and please specify checking or savings.

Q.  What is a held funds fee?
A.  An item is clearing and using funds that are on hold because there isn't enough money in your account available.  The funds being held could be from a deposit, or a pending debit card transaction that has not yet cleared.


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