FAQs
Welcome to our Frequently Asked Questions (FAQ) page!
FAQs
At New Dimensions Federal Credit Union, we know that navigating financial services can raise questions—and we’re here to make things simple. This page is designed to give you quick, clear answers to the topics we hear about most, from everyday account management to loan options and online banking. If you don’t see the information you need, our team is always just a call, click, or visit away—we’re happy to help.
Related Links:
Financial Resources
Fraud Prevention
News
Education
Did you know?
Newsletters
Pass it on! The Referral Program
Disclosures
Accounts & Membership
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How do I become a member of the New Dimensions FCU?
Membership at New Dimensions FCU is open to:
- Anyone who lives, works, worships, or attends school in Franklin, Kennebec, Somerset, or Waldo counties.
- Businesses and legal entities located in those counties (all owners must also qualify for membership).
- Immediate family members or household members of current members.
- Spouses of persons who died while eligible for membership.
- Employees of New Dimensions FCU.
- Organizations made up of eligible individuals.
If you’re not sure whether you qualify, give us a call at (800) 326-6190 – we’ll be happy to help you find out.
What do I need to open a checking or savings account?
To open an account at New Dimensions FCU, you’ll need the following:
- A valid government-issued photo ID (such as a driver’s license or passport)
- Proof of your current address (for example, a utility bill or lease agreement, if different from your ID)
- A minimum opening deposit of $25
Our team will guide you through the process to make it quick and simple.
How do I add or remove someone from my account?
- Adding someone: You can add a joint owner by visiting any branch together. If you can’t come in at the same time, you may complete and sign a form that gives the person up to 2 weeks to stop by on their own to be added.
- Removing someone: As the primary owner, you cannot directly remove a joint owner from your account. A joint owner may choose to remove themselves, but if they do not, the only option is to close the account and open a new one without them.
Our staff can walk you through the process and help you decide which option is best for your situation.
How do I update my contact information?
You can update your phone number, email, or mailing address by logging in to your online account or using your NDFCU mobile app. You can also update information by calling our Call Center AT (800) 326-6190 or by visiting any branch. Our staff will ensure your information is up to date, so you don’t miss important updates about your account.
What is the New Dimensions routing number?
New Dimensions routing number is 211288860
What’s the difference between my member number and my account number?
There’s no difference. Your primary savings account number is your member number.
Do you offer youth or teen accounts?
Yes! We offer accounts designed to help kids and teens learn good money habits:
- Monty Moose Savings Account – for children ages 12 and under.
- Take Charge Account – for teens ages 13 to 18 – including the
Both accounts are designed to encourage saving, build responsibility, and simplify money management from an early age.
What happens to my Take Charge account when I turn 18?
When you turn 18, you’ll receive a letter from us with instructions to visit a branch and sign updated documents. At that time, your Take Charge account will automatically transition into a standard membership account, giving you access to all of our full-service options.
Online & Mobile Banking
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How do I enroll in Online Banking?
On our website’s homepage, click the Account Sign In button at the top right corner. Hover over the button and select New Account Sign Up to begin. Simply follow the prompts to complete your enrollment. If you run into any trouble, our Call Center at (800) 326-6190 and we will be happy to help walk you through the process.
I forgot my online banking password — how do I reset it?
If you’ve forgotten your password, click the “Forgot Password” link on the Online Banking sign-in page and follow the steps to reset it securely. If you need extra help, just give us a call at (800) 326-6190 and we’ll be happy to assist you.
Why isn’t my mobile check deposit going through?
Mobile deposits may take up to 2 business days to process and become available in your account. If it’s been longer than that, or if you received an error message, please give us a call—we’ll be happy to look into it for you.
Debit & Credit Cards
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I lost my debit card. How do I report it and get a new one?
If your debit card is lost or stolen, call us right away so we can protect your account. You can choose to:
- Have a new card mailed to you (standard replacement).
- Visit our Silver Street branch for an instant-issue replacement card (a $10 fee applies).
Our team will make sure your old card is blocked and your new one is ready as quickly as possible.
My card was declined — what should I do?
If your card is declined, call us right away at (800) 326-6190. One of our representatives can check your account, explain why the transaction didn’t go through, and help resolve the issue so you can get back to using your card without worry.
How do I request a debit limit increase?
To request a temporary increase to your debit card limit, just call our Call Center at (800) 326-6190. A representative will review your request and assist you right away.
What is my daily limit for debit card transactions?
Your daily debit card limit is $1,500. If you ever need to make a purchase above this amount, you can request a temporary limit increase by calling our Call Center at (800) 326-6190.
What is the maximum amount I can temporarily increase my debit card limit to?
You can request a temporary debit card limit increase of up to $5,000. To set this up, call our Call Center at (800) 326-6190, and a representative will be happy to assist you.
How do I dispute a charge on my card?
If you notice a charge on your debit or credit card that you don’t recognize or believe is incorrect, contact us right away. You can:
- Call our Call Center at (800) 326-6190
- Visit any branch to speak with a representative
We’ll review the transaction with you, explain your options, and help you complete any necessary dispute forms. Acting quickly helps us protect your funds and resolve the issue as soon as possible.
Payments & Transfers
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How do I make a loan payment?
We offer several convenient ways to make your loan payment:
- Online: Through our website or Online Banking.
- Shared Branching: At participating credit unions nationwide.
- In Person: Drop your payment at any branch or use our night deposit box.
- By Phone: Call us at (800) 326-6190 and we can process your payment for you.
No matter which option you choose, we’re here to make the process simple and convenient.
Can I set up automatic payments for my loan?
Yes! You can schedule automatic loan payments in two ways:
- From another account with New Dimensions FCU.
- From an account at another financial institution.
Setting up automatic payments ensures your loan is always paid on time and gives you one less thing to worry about.
How do I set up external transfers or transfers to another financial institution?
You can move money between your New Dimensions FCU accounts and another financial institution in several ways:
- Online Banking: Log in to Online Banking to securely set up and manage external transfers yourself.
- In Person: Visit any branch and a representative will help you complete the setup.
- By Phone: Call us at (800) 326-6190 and we’ll guide you through the process.
Once your external account is linked, you can make transfers quickly and securely whenever you need to.
Loans & Financing
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Can I refinance my existing car loan?
Yes! We’d be happy to review your current auto loan and see if refinancing with New Dimensions FCU could save you money or better fit your budget. Contact us to get started—we’ll walk you through your options.
What is the difference between a Home Equity Loan and a HELOC?
- Home Equity Loan: A traditional installment loan. You borrow a set amount upfront and repay it in fixed monthly payments over a set term.
- Home Equity Line of Credit (HELOC): A revolving, open-ended line of credit. You can borrow as needed (up to your approved limit), repay, and borrow again. (Check out our current HELOC Special HERE!)
Both options let you use the equity in your home, but the right choice depends on whether you prefer predictable payments or flexible access to funds.
Can I get pre-approved for an auto loan before I shop?
Yes! You can apply online or visit any of our branches to get pre-approved for an Auto Loan. Once approved, we’ll provide you with a pre-approval letter, so you can shop with confidence knowing exactly how much you can borrow.
What’s the First-Time Car Buyer Program and how does it work?
Our First-Time Auto Buyer Program is designed to help members purchase their first vehicle—even if they don’t have an extensive credit history. This program provides flexible financing options and guidance to make the car-buying process easier and more affordable.
To learn more and see if you qualify, visit the First-Time Auto Buyer Program page under the Loans tab on our website, or stop by a branch to speak with a loan officer.
Fraud, Safety, & Security
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How do I report fraud or suspicious activity?
If you notice any unusual or unauthorized activity on your account, report it right away so we can protect your funds. You can:
- Call our Call Center immediately at (800) 326-6190.
- Visit any branch to speak with a representative in person.
- Review our Fraud Prevention Resource for tips on staying safe.
Acting quickly is the best way to safeguard your account—we’re here to help.
I received a suspicious email or text — is it a scam?
Most likely, yes. If an email or text asks for personal information, account details, or urges you to click a link or download an attachment, it’s a scam. New Dimensions FCU will never ask you to provide sensitive information (like your PIN or password) through email, text, or social media.
If you’re unsure, do not respond or click on anything. Instead, call us directly at (800) 326-6190 or visit a branch—we’ll be happy to verify it for you.
Check out our Fraud Prevention Resource Page for helpful information, tips and ways to report issues.
What should I do if I suspect identity theft?
If you believe your personal information has been stolen or misused, it’s important to act quickly:
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Contact New Dimensions FCU right away at (800) 326-6190 so we can review your accounts and help protect your funds.
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Place a fraud alert on your credit file with one of the major credit bureaus (Experian, Equifax, or TransUnion).
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Check your credit reports for unfamiliar accounts or inquiries.
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File a report with the FTC at identitytheft.gov for step-by-step recovery guidance.
For additional resources, visit our Fraud Prevention Page.
Hours, Locations, & Services
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Do you have Shared Branching or CO-OP ATMs?
Yes! As a member of New Dimensions FCU, you have access to thousands of credit unions and ATMs nationwide through the CO-OP Shared Branching Network. This means you can:
- Visit participating credit unions across the country to make deposits, withdrawals, transfers, and loan payments—just as if you were at one of our branches.
- Use CO-OP ATMs surcharge-free at thousands of locations, including many popular retailers.
To find a Shared Branch or CO-OP ATM near you, use the locator tool on our website or download the CO-OP ATM/Shared Branch app.
Can I make appointments with a loan officer or financial coach?
Yes, absolutely! You can schedule an appointment with one of our loan officers or our certified financial coach at a time that’s convenient for you. Just call us at (800) 326-6190 or visit any branch, and we’ll be happy to set it up.
Do you offer notary services?
Yes! We provide notary services at all of our branch locations as a free benefit for our members. Simply stop by during business hours, and our staff will be happy to assist you.
Do you have coin machines?
Yes! Coin machines are available at our Silver Street branch in Waterville and our Skowhegan branch located on Madison Ave for your convenience.
How do I know which branch I’ll reach when I call the credit union?
All calls are routed to our Call Center, where a representative will be happy to help you. They can take care of most requests right away or transfer your call to the appropriate department or branch if needed.