If you are already registered for Online Banking:

To access your credit card account information, log in to Online or Mobile Banking and select your Visa^® Platinum or Visa^® Classic listed under your accounts. You can also access MyCardInfo through the top navigation bar by selecting ‘Additional Services’ and then ‘Visa Account Access’.

Need to register for Online Banking?

Learn More about Zeal’s Online Banking here, and get registered today.

If you receive an error message to contact the Credit Union, it means you do not have an email address on file with Zeal or the date of birth or last name you entered do not match our records. Please complete and return this form with a clear copy of your driver’s license to Zeal Credit Union to update your email address and complete the registration process. You will receive an email from Zeal once your registration is approved and complete. If you do not receive an email within 2 business days, please call Member Services at 800-321-8570 x7400.

Return forms:

In person: any Zeal Branch location

Email: MemberServices@zealcu.org

Fax: (734) 466-6148

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Our E-Services, Card Services, Accounting and Operations teams joined together for #ZealTheLove to support Operation Good Cheer.

Through Operation Good Cheer, a volunteer Christmas gift-giving program for children living in foster care, our team was able to help make the Christmas dreams of two children come true.

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Stay safe, and keep your accounts protected!

Phishing scams often use text messages, emails or phone calls to reach members. The current scammers are contacting members and notifying them their credit card/debit card is blocked.  After the member responds to the message, the fraudster looks to “authenticate” the member by asking for account information and other personally identifiable information. Once this data has been obtained, the fraudster may take further actions, including changing a PIN or using travel notifications. This is followed by fraudulent activity, often at ATMs.

Do not give anyone your account information or your personal information unless you have initiated the contact. Do not give this information to people reaching out to you by phone, email or text message.

Zeal Credit Union’s Fraud Prevention team is continually monitoring and developing fraud prevention strategies for our members, and members’ knowledge of these scams is essential to building a stronger defense for all. The security of personal information is a primary goal of Zeal Credit Union. We will never ask you for confidential information to include; full social security number, full bank account number, debit or credit card numbers, a CVV or a PIN in an email or via a web site, online chat or from an unsolicited phone call. If you receive a suspicious email, text message or phone call requesting confidential information, it is not from Zeal Credit Union. Suspicious emails/texts/SMS messages can be forwarded to our Zeal team at RiskManagement@ZealCU.org.

Reduce the risk of falling victim to fraudulent phone calls, emails and text messages by following these steps:

• Be aware. Legitimate businesses do not make unsolicited calls for personal, sensitive information. If you receive an unsolicited call asking this, it is probably a scam.
• Don’t give in to pressure. Many times, the caller will pressure or try and scare you into giving your personal information. If this happens, simply hang up.
• Don’t answer phone calls from unknown numbers. Valid callers will leave a message.
• Don’t respond to unverified SMS text messages asking you to call your financial institution.
• Stay calm. Fraudsters are masters at emotional string pulling. When in doubt, hang up. Please notify us if you suspect that someone has impersonated a credit union representative. We are happy to assist you. Please call our fraud number at 1-800-321-8570 ext. 7300.
• Be skeptical. Caller ID can be faked. Hanging up is your best defense.
• Never share a One-Time-Password (OTP) with anyone. OTPs are generated to verify your identity and criminals are anxious to obtain them by asking you to read OTPs to them over the phone or via text.
• Carefully review your statements regularly and contact us if you notice any unauthorized activity.

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On April 23^rd, Governor Gretchen Whitmer and the Michigan Department of Insurance and Financial Services (DIFS) announced the creation of the MiMortgage Relief Partnership to ensure no one experiencing financial hardship due to COVID-19 will lose their home during this public health crisis.  For many homeowners with mortgages, there is help.  But first, you must assess your situation:

What Options Do You Qualify For?

Mortgage relief options depend on who owns or backs your consumer mortgage.

1. First, figure out who services your mortgage. This is who you need to contact.
   Your mortgage servicer is the company that you send your mortgage payments to each month. If you don’t know or can’t remember who currently services your mortgage, there are several ways to find out, including looking at your mortgage statement for contact information.
2. Second, figure out if your mortgage is federally backed.
   Nearly half of the nation’s mortgages are owned or backed by Fannie Mae or Freddie Mac. To look up online whether your mortgage is owned or backed by Fannie or Freddie, click these links:

   Is my loan backed by Fannie Mae?
   Is my loan backed by Freddie Mac?

   To verify whether you have an FHA, VA or USDA loan, find your closing documents (either hard copies or electronic versions) and look for the “Closing Disclosure.” In the upper right of the first page of this document, under “Loan Information,” you’ll see checkboxes indicating your loan type: conventional, FHA, VA or other. If you can’t locate this document, try looking at your monthly mortgage statement or contacting your lender at the phone number listed on the statement.

Borrowers with Mortgages Backed by the Federal Government

If you have a federally backed mortgage, you have two mortgage relief options under the CARES Act:

• First, your lender or loan servicer may not foreclose on you for 60 days after March 18, 2020. Specifically, the CARES Act prohibits lenders and servicers from beginning a judicial or non-judicial foreclosure against you, or from finalizing a foreclosure judgment or sale, during this period of time.
• Second, if you experience financial hardship due to the coronavirus pandemic, you have a right to request a forbearance for up to 180 days. You also have the right to request one extension for another up to 180 days. You must contact your loan servicer to request this forbearance. There will be no additional fees, penalties or additional interest (beyond scheduled amounts) added to your account. You do not need to submit additional documentation to qualify other than your claim to have a pandemic-related financial hardship.

If your Mortgage is Backed by Fannie Mae or Freddie Mac 

In addition to the foreclosure moratorium and forbearance, if you are granted forbearance to delay making your monthly payments during this temporary period:

• You won’t incur late fees
• You won’t have delinquencies reported to credit reporting companies
• Foreclosure and other legal proceedings will be suspended
   

FHA, VA or USDA Loans

Aside from the CARES Act, FHA, VA and USDA lenders have been encouraged to help borrowers impacted by COVID-19 use existing mortgage relief programs. This includes special forbearance, the duration of which can vary based on the homeowner’s situation. ​​​​​​Regardless of mortgage type, reach out to your lender to discuss relief options..​​​​​​

• FHA Loans
  • COVID-19 Mortgage Payment Relief for Single Family Homeowners with FHA-insured Mortgages

• VA Loans
  • VA Help to Avoid Foreclosure

If you have a federally guaranteed loan, click here for more information on how to request forbearance or mortgage relief.

If you don’t have a federally backed mortgage, you still may have relief options through your mortgage servicer or from your state.

Borrowers with Mortgages NOT Backed by the Federal Government

Zeal Credit Union has agreed to the MiMortgage Relief Partnership to provide the mortgage relief and financial protections announced by Governor Gretchen Whitmer on April 23, 2020.

If you have experienced a financial hardship due to COVID-19, please contact our Zeal team by calling 800-321-8570 ext. 7299 or emailing homeloans@zealcu.org to learn the details of the relief options available to you.

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