State Employees’ Credit Union members may need help with a checking or savings account, debit or credit card, Member Access, the SECU App, direct deposit, transaction dispute, auto loan, mortgage, loan payment, payoff request, wire transfer, branch transaction, or other financial-service issue. SECU provides 24-hour Member Services Support along with secure messaging, live chat, automated telephone banking, and branches throughout North Carolina.

Quick Answer: Call State Employees’ Credit Union Member Services at 1-888-732-8562. Member Services Support is available 24 hours a day, seven days a week. Members can also sign in to Member Access or the SECU App to send a secure message or use live chat. For automated telephone banking, call 1-800-ASK-SECU (1-800-275-7328).

How to Contact SECU Customer Service

SECU Member Services Support: 1-888-732-8562
Member Services Availability: 24 hours a day, 7 days a week
ASK SECU Automated Telephone Banking: 1-800-ASK-SECU (1-800-275-7328)
SECU Email: info@ncsecu.org for general, non-sensitive questions
Secure Message: Sign in to Member Access or the SECU App

Live Chat: Available through Member Access and the SECU App
Lending Contact Center: 1-844-296-4831
Financial Advisory Services: 1-833-599-7328
SECU Insurance Services: 1-833-599-7328
Verify an SECU Account Number: 1-800-732-8243 or 1-919-839-5434
Accessibility / Relay Service: Dial 711
Find a Branch or ATM: SECU Branch and ATM Locator
Member Access: SECU Online and Mobile Banking
Routing Number: 253177049
Official Website: NCSECU.org

SECU branches are generally open Monday through Friday from 8:30 AM to 5:30 PM Eastern Time, except designated holidays. Individual branch services and schedules should be checked before visiting.

Best SECU Support Route by Issue

Checking or savings account: Call 1-888-732-8562, send a secure message, or visit a branch.
Member Access or SECU App problem: Use Member Services Support or secure online support.
Lost or stolen debit or credit card: Call 1-888-732-8562 immediately or use available card controls in Member Access.

Credit-card dispute: Submit the dispute through Member Access, call Member Services, or visit a branch.
Unauthorized account transaction: Contact Member Services immediately rather than waiting for the next statement.
Auto or personal loan: Call Member Services or the Lending Contact Center at 1-844-296-4831.

Loan payoff: Request a current payoff quote before submitting the final payment.
Mortgage payoff: Use SECU Loan Servicing and the current mortgage payoff-request process.
Mortgage servicing error: Send the required written notice to SECU Loan Servicing, PO Drawer 25279, Raleigh, NC 27611.

Credit-reporting dispute: Send the dispute to SECU Credit Reporting, PO Drawer 25279, Raleigh, NC 27611.
Direct deposit: Use SECU routing number 253177049 and the correct account number.
Branch service: Use the SECU branch locator to contact or visit the appropriate North Carolina location.

Unresolved complaint: Submit feedback through SECU first, then consider the North Carolina Credit Union Division or CFPB when appropriate.

SECU Member Access and Mobile App Help

Member Access is SECU’s online account-management system. The SECU App provides many of the same features on a mobile device.

Members can use Member Access to:

View account balances
Review recent and pending transactions
Transfer funds between eligible accounts
Make loan and credit-card payments
Manage debit and credit cards
Lock, unlock, or replace eligible cards
Deposit checks through the SECU App
View statements
Submit stop-payment requests
Submit eligible transaction disputes
Update account information
Set account alerts
Send secure messages
Chat with an SECU representative

SECU uses multi-factor authentication for Member Access. If a username, password, verification step, or device change prevents access, use the account-recovery options on the sign-in screen or call 1-888-732-8562.

Do not send account numbers, card numbers, passwords, PINs, or other sensitive financial information through ordinary email.

ASK SECU Automated Phone Banking

ASK SECU is the credit union’s automated voice-response service.

Call:
1-800-ASK-SECU (1-800-275-7328)

ASK SECU is available 24 hours a day and can be used to:

Check account balances
Review recent and pending transactions
Check dividend and interest information
Review loan payment information
Transfer money between eligible SECU accounts
Request eligible real-time loan advances

Members need an active eligible debit or ATM card and an ASK SECU voice-response PIN.

If a voice-response PIN is needed, contact a branch or Member Services Support.

SECU Routing Number and Direct Deposit

State Employees’ Credit Union’s routing number is:

253177049

The routing number is commonly needed for:

Direct deposits
ACH payments
Electronic transfers
Check processing
Wire-transfer instructions

To set up direct deposit, provide the payer with routing number 253177049 and the correct SECU account number.

The account number can be located in Member Access or on an applicable account statement.

Account Number Tip: Do not assume the member number, debit-card number, loan number, and deposit-account number are interchangeable. Use the specific account number SECU provides for the transaction you are setting up.

SECU Debit Card Help

SECU checking accounts can include a Visa debit card for purchases and ATM transactions.

Members can use Member Access to manage eligible card controls, including locking or unlocking a card while searching for it.

If a card is confirmed lost or stolen, call:
1-888-732-8562

Contact SECU promptly if:

The debit card is missing.
An ATM retained the card.
An unauthorized transaction appears.
The card was used after being lost.
A replacement card is needed.

After replacing a debit card, remember to update recurring merchants that were using the old card information.

SECU Credit Card Customer Service

SECU offers Visa credit cards including Classic, Cash Rewards, and Points Rewards products.

For credit-card help, call:
1-888-732-8562

Members can use Member Access for many card functions, including:

Reviewing transactions
Making payments
Locking a card
Requesting eligible card service
Submitting transaction disputes
Requesting balance transfers

SECU states that replacement credit cards typically arrive within approximately 7 to 10 business days after a new card is requested.

How to Dispute an SECU Credit Card Transaction

SECU currently allows credit-card disputes through:

Member Access
Member Services Support at 1-888-732-8562
A local SECU branch

To submit a dispute through Member Access:

Sign in to Member Access.
Open the appropriate credit-card account.
Locate the transaction.
Use the available dispute or Self-Service option.
Provide the requested transaction information.
Save the dispute confirmation.

Keep receipts, merchant emails, cancellation confirmations, return tracking, and other documents that support the dispute.

If a transaction was not authorized at all, contact SECU immediately rather than treating it as an ordinary merchant disagreement.

SECU Checking Account Help

SECU’s Checking Account currently has no minimum opening balance requirement after membership is established.

The account has a $1 monthly amount that is either:

Contributed to the SECU Foundation, or
Applied as a monthly account-maintenance fee when the member opts out of the Foundation contribution.

SECU currently states that it does not charge returned-check or stop-payment fees on its standard Checking Account.

Members can also enroll an eligible Checking Account in SECU’s free Overdraft Transfer Service.

If an account balance or available balance appears incorrect:

Review pending debit-card transactions.
Check outstanding checks.
Review transfers and ACH withdrawals.
Check deposit holds.
Compare the available balance with the ledger balance.
Call Member Services if the difference remains unexplained.

How to Join SECU

State Employees’ Credit Union membership is not open to everyone.

Eligibility includes many:

North Carolina state employees
North Carolina public-school employees
Employees of certain eligible state-related agencies
North Carolina National Guard members
Eligible retirees
Immediate family members of existing members
People sharing a qualifying single economic unit with an existing member
Certain employees of specifically eligible organizations

Immediate family can include spouses, children, siblings, parents, grandparents, grandchildren, and qualifying step or adoptive relationships.

Membership begins with a regular Share Account. The current initial deposit required for an adult Share Account is $25.

Applicants should be prepared to provide:

Taxpayer Identification Number
Government-issued photo identification
Proof of eligibility
Initial deposit

If eligibility is unclear, call 1-888-732-8562 or visit a branch before attempting to open an account.

SECU Auto Loans, Personal Loans, and Lending Help

SECU provides auto, personal, home, credit-card, and other lending products to eligible members.

For lending assistance:

Member Services Support: 1-888-732-8562
Lending Contact Center: 1-844-296-4831

The Lending Contact Center currently lists service hours from 8 AM to 9 PM Eastern Time.

Members can contact lending support for:

Loan applications
Payment questions
Auto loans
Personal loans
Lines of credit
Current payoff amounts
Loan account questions

Use the current loan agreement and payoff quote for account-specific amounts and deadlines.

How to Get an SECU Loan Payoff

SECU recommends requesting a payoff quote before sending the final loan payment.

Payoff quotes are available for:

Auto loans
Personal loans
Lines of credit
Credit cards
Mortgages

For most non-mortgage payoff requests, contact Member Services Support or send a secure message through Member Access.

A payoff quote can differ from the ordinary principal balance because it may include interest and other amounts calculated through the requested payoff date.

SECU Mortgage Payoff Requests

For mortgage payoff assistance:

Mortgage Payoff Representative: 1-800-438-1105
Email: loanservicing@ncsecu.org
Fax: 1-919-839-5114

Use SECU’s current Mortgage Payoff Request Form and provide the requested borrower, loan, contact, and payoff-date information.

SECU states that vehicle titles can take up to approximately 15 business days for processing and mailing after an auto loan payoff.

SECU Mortgage Servicing Complaints and Information Requests

A formal mortgage servicing notice of error or request for information should be sent to:

SECU Loan Servicing
PO Drawer 25279
Raleigh, NC 27611

Include enough information to identify the mortgage and clearly explain the servicing error or information being requested.

Do not use a public review as a substitute for a formal mortgage-servicing notice.

SECU Credit Reporting Disputes

If an SECU loan or account appears incorrectly on a credit report, review the information first and identify exactly what is inaccurate.

SECU currently directs written credit-reporting disputes to:

SECU Credit Reporting
PO Drawer 25279
Raleigh, NC 27611

Include the information necessary for SECU to identify and investigate the disputed reporting.

Keep copies of:

Credit reports
SECU statements
Payment records
Dispute letters
Supporting documents
Responses from SECU or the credit bureaus

SECU Branch and ATM Help

SECU has branches across all 100 North Carolina counties.

Use the official SECU location finder to check:

Branch address
Direct branch telephone number
Lobby hours
ATM availability
Available branch services

Branches generally operate Monday through Friday from 8:30 AM to 5:30 PM Eastern Time, excluding designated holidays.

Many CashPoints ATMs are available outside ordinary branch hours.

Information to Have Before Contacting SECU

Name on the membership
Account or loan involved
Transaction date and amount
Merchant name for a card dispute
Deposit or transfer date
Loan payment information
Payoff date requested
Branch location when relevant
Previous case or secure-message information
Relevant statements, receipts, and payment confirmations
The exact resolution requested

Provide complete account numbers, Social Security numbers, card numbers, passwords, PINs, verification codes, and other sensitive financial information only through a verified secure SECU channel.

How to Escalate an Unresolved SECU Complaint

Start with SECU. Call Member Services at 1-888-732-8562, send a secure message, or contact the appropriate branch.
Use the correct department. Card disputes, lending, mortgages, credit reporting, insurance, and investment services may require different support teams.

Document the problem. Save statements, receipts, payment confirmations, letters, secure messages, and transaction details.
State the requested resolution. Explain whether you want a transaction correction, dispute review, payment correction, payoff information, fee review, or another result.
Request additional review. Ask for the issue to be escalated when the first support contact does not resolve it.

Submit SECU feedback. Members can send feedback or complaints through secure messaging.
Contact the North Carolina Credit Union Division when appropriate. The Division regulates North Carolina state-chartered credit unions and accepts consumer complaints.
Consider the Consumer Financial Protection Bureau. The CFPB accepts complaints concerning eligible consumer financial products and routes complaints to the appropriate company or regulator.

North Carolina Credit Union Division Complaint Help

State Employees’ Credit Union is a North Carolina state-chartered credit union.

For a qualifying unresolved complaint, the North Carolina Credit Union Division can be contacted at:

Telephone: 1-984-275-6730
Email: support@nccud.nc.gov
Physical Address: 205 W. Millbrook Road, Suite 105, Raleigh, NC 27609

Mailing Address: North Carolina Credit Union Division, Mail Service Center 4314, Raleigh, NC 27699-4314

The Division instructs consumers not to include account numbers, Social Security numbers, or unnecessary identification numbers in its online complaint form.

SECU Customer Service Reviews and Complaints

Members can use the review section below to describe their experience with SECU checking, savings, debit cards, credit cards, Member Access, the mobile app, deposits, transfers, auto loans, mortgages, loan payments, branches, disputes, or customer-service escalation.

A useful SECU review should explain:

The general product or service involved
The approximate date
Whether assistance came from Member Services, Member Access, or a branch
How quickly SECU responded
What resolution was requested
What SECU said it would do
Whether the promised action occurred
Whether the issue was ultimately resolved

Do not publish account numbers, loan numbers, complete card numbers, Social Security numbers, passwords, PINs, verification codes, bank statements, identification documents, home addresses, or private support correspondence.

SECU Frequently Asked Questions

What is the SECU customer service phone number?

Call State Employees’ Credit Union Member Services Support at 1-888-732-8562.

Is SECU customer service available 24 hours?

Yes. SECU currently lists Member Services Support as available 24 hours a day, seven days a week.

What are SECU branch hours?

SECU branches are generally open Monday through Friday from 8:30 AM to 5:30 PM Eastern Time, except designated holidays. Check the individual branch before visiting.

What is the SECU routing number?

State Employees’ Credit Union’s routing number is 253177049.

What is ASK SECU?

ASK SECU is the credit union’s 24-hour automated telephone banking service. Call 1-800-275-7328.

Does SECU have online chat?

Yes. Members can use live chat through Member Access and the SECU App.

How do I report a lost SECU debit card?

Call 1-888-732-8562 immediately. Members can also use available card-lock controls through Member Access while looking for a misplaced card.

How do I report a lost SECU credit card?

Call Member Services at 1-888-732-8562 or contact a local branch.

How do I dispute an SECU credit-card transaction?

Submit a dispute through Member Access, call 1-888-732-8562, or visit a branch.

How do I make an SECU credit-card payment?

Payments can be made through Member Access using another SECU account, by calling Member Services, at an eligible CashPoints ATM, or through a branch.

How do I get an SECU loan payoff?

Contact Member Services or send a secure message for most consumer-loan payoff quotes. Mortgage payoff requests use the separate SECU Loan Servicing process.

What is the SECU mortgage payoff phone number?

For mortgage payoff assistance, call 1-800-438-1105.

Who can join SECU?

Membership is available to eligible North Carolina state employees and retirees, certain related employees and organizations, immediate family members of current members, and certain people sharing a household economic unit with a member.

How much does it cost to join SECU?

Adult membership currently begins by opening a regular Share Account with a $25 initial deposit.

Is SECU federally insured?

Yes. State Employees’ Credit Union is state-chartered and its qualifying member deposits are federally insured through the National Credit Union Share Insurance Fund administered by the NCUA, subject to applicable insurance limits and rules.

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Page Update Note

SECU customer-service information reviewed and updated on August 19, 2026. This page was updated to verify current 24-hour Member Services Support, branch hours, ASK SECU, Member Access, routing information, card support, lending contacts, loan payoff procedures, membership requirements, mortgage servicing information, credit-reporting disputes, and North Carolina Credit Union Division complaint resources.

Why Trust CustomerServiceNumbers.com?

CustomerServiceNumbers.com has helped consumers locate customer-service information and share customer-service experiences since 2004. We independently organize company contact routes, account and card support, loan information, complaint resources, and practical steps for reaching the appropriate department.

This page is intended to help members determine whether to contact SECU Member Services, a local branch, the Lending Contact Center, Loan Servicing, Credit Reporting, the North Carolina Credit Union Division, or another appropriate resource.

Share Your SECU Customer Service Experience

If you contacted State Employees’ Credit Union about checking or savings, a debit or credit card, Member Access, the SECU App, direct deposit, a transaction dispute, auto loan, mortgage, payoff request, branch experience, or unresolved complaint, share the support route you used, what happened, the response you received, and whether the issue was resolved.

Privacy warning: Do not publish account or loan numbers, complete card numbers, Social Security numbers, passwords, PINs, verification codes, bank statements, government identification, home addresses, or private support correspondence in a public review.

Customer Service Information Disclaimer

CustomerServiceNumbers.com is an independent consumer information and review website and is not affiliated with State Employees’ Credit Union, SECU Foundation, SECU Life Insurance Company, the North Carolina Credit Union Division, the National Credit Union Administration, Visa, or the Consumer Financial Protection Bureau. CustomerServiceNumbers.com cannot access SECU accounts, move money, dispute transactions, lock cards, issue refunds, make loan payments, provide payoff quotes, change mortgage accounts, approve loans, or respond on behalf of SECU. Phone numbers, hours, branch locations, account features, lending procedures, membership requirements, routing information, fees, and regulatory resources can change. Verify account-specific information through NCSECU.org, Member Access, the SECU App, Member Services Support, or the applicable official agency.

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SECU Customer Service, Accounts, Cards & Loan Help