How do I open a new account?expand_more
Visit our
Open Account
page and complete the online application. You'll need a valid ID,
your Social Security Number, and an initial deposit. Accounts are
typically activated within 1–2 business days.
How do I check my account balance?expand_more
Log in to your account and visit the Dashboard. Your real-time
balance is displayed at the top of the page for all linked
accounts.
What are the wire transfer limits?expand_more
Domestic wire transfers: $500–$50,000 per transaction, $50,000
daily limit. International wire transfers: $100–$25,000 per
transaction. Zelle: up to $2,500 per transaction, $5,000 daily.
All transfers require PIN and email OTP verification.
How long does a wire transfer take?expand_more
Domestic wire transfers are processed same business day if
submitted before 4:00 PM EST. International wires typically take
1–5 business days depending on the destination country and
receiving bank.
Why is there a 2% transfer fee?expand_more
A 2% processing fee is applied to all outgoing transfers (wire,
Zelle, Cash App). This fee covers transaction processing, security
verification, and fraud monitoring costs. The fee and total
deduction are clearly shown on your receipt.
How do I apply for a credit card?expand_more
Visit the
Credit Cards
page from your dashboard. Review available cards, check your
credit score estimate, and complete the application form.
Decisions are typically made within 2–3 business days.
What is a transaction PIN?expand_more
Your transaction PIN is a 4–6 digit code required before every
transfer. It was set by your account administrator when your
account was created. Contact support if you've forgotten your PIN
or need it reset.
Why does face verification always fail on Zelle/Cash App?expand_more
Face verification is an additional security layer on peer-to-peer
transfers. If verification fails, it means the system could not
confirm your identity at that time. Please try again in a few
minutes or contact support for manual verification assistance.
My account is suspended. What do I do?expand_more
Account suspensions are issued for security or compliance reasons.
Please visit our nearest branch in person with a valid
government-issued ID, or contact our online support team at
info@internationalcunion.com. Do not attempt to log in repeatedly
as this may extend the suspension period.
How do I apply for a loan?expand_more
Visit the
Loans section from
your dashboard. We offer personal, auto, home, and business loans.
Eligibility is based on your credit history and account standing
with ICU.
How do I deposit a check remotely?expand_more
Use our
Mobile Check Deposit
feature. Take a photo of the front and back of your endorsed
check. Deposits are reviewed and funds typically available within
1–2 business days. Retain the physical check for 14 days.
Is my data safe on the ICU platform?expand_more
Yes. All sessions are protected by multi-factor authentication
(PIN + OTP email verification). Sensitive transfers require
additional face verification. We use 256-bit encryption for all
data in transit. Visit our
Security Center
to learn more.