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1st MidAmerica CU. View Map. 1702 Troy Rd Edwardsville, Illinois 62025. Hours. CLOSED. Lobby Hours; Lobby; Mon: 8:00 am - 6:00 pm: Tue: 8:00 am - 6:00 pm: Wed: 8:00 am - 6:00 pm: Thu: ... First Community CU 400 JUNCTION DRIVE GLEN CARBON, Illinois 62034 This ATM accepts check deposits. MAP. OPEN 1.20 mi. …

If the account qualifications are met for a Monthly Qualification cycle for the High Interest Reward Checking Account, you will receive 5.00% APY on balances up to $10,000. Balances over $10,000 will earn 0.25% APY. Rewards based on average balance. If the linked checking account satisfies the qualification requirements for a monthly ...Information on BIN numbers issued by 1ST MIDAMERICA C.U.. Click to view all of the codes now.Our IRAs also insured up to $500,000 per member. The National Credit Union Administration (NCUA), a U.S. government agency, insures your account up to $250,000 per member. When your accounts exceed $250,000, the maximum level of coverage provided through NCUA on IRAs, you are also insured up to an additional $250,000 By ESI, a …1st MidAmerica Credit Union, at 3553 College Avenue, Alton Illinois, is more than just a financial institution; 1st MidAmerica is a community-driven organization committed to providing members with personalized financial solutions. Founded in 1934, 1st MidAmerica has grown alongside the members, offering a range of services designed to meet ...1st MidAmerica Credit Union Registered Agent: Alan Meyer. Address of principle place of business: 731 E. Bethalto Dr. Bethalto, IL 62010. Email: [email protected] Appointment of the 1st MidAmerica Credit Union Registered Agent was authorized by action of the Board of Directors.1st MidAmerica Credit Union; Schell Insurance. Jerseyville, IL 62052, 610 Fairview Ave ATMs in Illinois. ATM (Casey's General Store) Jerseyville, IL 62052, 723 S State St Carrollton Bank. Jerseyville, IL 62052, 1101 S State St Shazam Atm. Jerseyville, IL 62052, 533 S State St Credit brokers in Illinois. Security Finance. 935 S State St, Jerseyville, IL 62052 World …

Information on BIN numbers issued by 1ST MIDAMERICA C.U.. Click to view all of the codes now.1 st MidAmerica Credit Union membership is a no-cost employee benefit for your business. We provide: Financial well-being assessments and resources for your employees. Financial education and FREE onsite Lunch & Learn presentations. Just email our team at [email protected] to start the conversation!Open Microsoft Edge and enter the following in its address bar: edge://version. Press Enter. The Microsoft Edge version will appear at the top of the page. In Mozilla Firefox: Click on Help from the menu bar at the top of your screen. Click on About Firefox. Look for the version below the word “Firefox”.With so few reviews, your opinion of 1st MidAmerica Credit Union could be huge. Start your review today. Overall rating. 3 reviews. 5 stars. 4 stars. 3 stars. 2 stars. 1 star. Filter by rating. Search reviews. Search reviews. Linda A. San Francisco, CA. 0. 1. Jan 15, 2019. I would not recommend this credit union to anyone else! They … This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances. 1st MidAmerica Credit Union offers vehicle loans to purchase or refinance new or used vehicles, cars, boats, recreational vehicles, motorcycles & More. Download 1st MidAmerica CU and enjoy it on your iPhone, iPad and iPod touch. ‎1st MidAmerica Credit Union's free Mobile Banking Application - optimized for iPhone and iPad devices. Features • Review account balances and transactions • Transfer funds between accounts • Pay bills • View copies of cleared checks • Locate …‎1st MidAmerica Credit Union's free Mobile Banking Application - optimized for iPhone and iPad devices. Features • Review account balances and transactions • Transfer funds between accounts • Pay bills • View copies of cleared checks • Locate surcharge-free ATM’s and 1st MidAmerica Credit Union bran…

731 East Bethalto Drive Bethalto, IL 62010. Open Today: 9:00 am - 6:00 pm. Branch Details. The interactive map showcases all 1st MidAmerica branches located in and around the Bethalto, making it easy for residents to find the nearest one and take advantage of their services. The map above displays the locations of 1st MidAmerica locations in ... Contact 1st MidAmerica for immediate assistance. Contact the fraud departments of any one of the three major credit bureaus to place a fraud alert on your credit file. The fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts.As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances. 1st MidAmerica …Enroll in online banking Today! Enjoy these convenient benefits: View accounts and check balances. View account history. Receive your monthly statements electronically. Transfer … About 1st MidAmerica. As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances. Read more about us Information on BIN numbers issued by 1ST MIDAMERICA C.U.. Click to view all of the codes now.

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We're Pleased to be helping you with your first home. The more you know about the home buying process, the more confident you will be in making the important decisions that will shape your home ownership experience. The Mortgage Process. Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you ...CU Difference. Credit unions are different - see how and be a part of something special. ... As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of …You need to enable JavaScript to run this app. You need to enable JavaScript to run this app.Jerseyville Branch. 300 West County Road Jerseyville, IL 62052. Open Today: 9:00 am - 6:00 pm. Branch Details. The interactive map showcases all 1st MidAmerica branches located in and around the Jerseyville, making it easy for residents to find the nearest one and take advantage of their services. The map above displays the locations of 1st ...FEMA (Federal Emergency Management Agency) was organized on April 1st, 1979 under President Jimmy Carter. It was set up to provide assistance to American residents after a disaster...

Select “Check Deposit” on the bottom menu of your mobile app. When you endorse your check, write “For Mobile Deposit Only at 1 st MidAmerica Credit Union” below your signature. Follow the prompts in the app to deposit the check into your selected account. Hold onto the check to allow sufficient time in case the original is needed for ... Scan and email: [email protected]. Drop the form and flyer off to any branch location. Mail form and flyer to: 1st MidAmerica Credit Union. Attn: Community Relations. 731 E. Bethalto Drive. Bethalto, IL 62010. Some of the organizations supported within 1st MidAmerica communities: Habitat for Humanity. 1st MidAmerica Credit Union is a full-service credit union offering a wide variety of financial services in Illinois and Missouri.Youth Velocity Certificates. Velocity share certificates are for members under the age of 23, and designed to encourage savings from a young age through the college years. The Velocity share certificate locks your money into a high rate for a one year term. You can open a Velocity certificate with as little as $300, and then add to …The 1st MidAmerica Credit Union Board issued a Proclamation, recognizing Mr. Klasner’s service to the credit union. He was also posthumously awarded a Lifetime Achievement Award from the Illinois Credit Union League. Ted Klasner 1941 - 2021 $860.0 2021 - 4 - It is an honor to recognize how much the work we do matters. Every day, the credit union team is focused on …1ST MIDAMERICA CREDIT UNION JERSEYVILLE OFFICE BRANCH. 1ST MIDAMERICA CREDIT UNION has 10 different branch locations. The JERSEYVILLE OFFICE BRANCH is located in JERSEYVILLE, IL at 300 W County Rd. See location on map below. For additional information, such as hours of operation, please call (618) 258-3168. Location 300 W County … 1st Davao Region Multidisciplinary Research Conference. 313 likes. The 1st Davao Region Multidisciplinary Research Conference is co-partner by Davao del Sur State College and Compostela Valley State... With America First online banking, you can access your accounts from your laptop, desktop, phone, or tablet. New Look, Same Great Service! Welcome to the new America First website. This streamlined design makes it even easier for you to find the financial products & services you need. We invite you to explore the new site …Download 1st MidAmerica CU and enjoy it on your iPhone, iPad and iPod touch. ‎1st MidAmerica Credit Union's free Mobile Banking Application - optimized for iPhone and iPad devices. Features • Review account balances and transactions • Transfer funds between accounts • Pay bills • View copies of cleared checks • Locate …As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances. 1st MidAmerica Credit Union is a full-service ...The 1st MidAmerica Credit Union Board issued a Proclamation, recognizing Mr. Klasner’s service to the credit union. He was also posthumously awarded a Lifetime Achievement Award from the Illinois Credit Union League. Ted Klasner 1941 - 2021 $860.0 2021 - 4 - It is an honor to recognize how much the work we do matters. Every day, the credit union team is focused on … This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances. 1st MidAmerica Credit Union offers vehicle loans to purchase or refinance new or used vehicles, cars, boats, recreational vehicles, motorcycles & More.

About 1st MidAmerica. As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances. Read more about us

Routing number for 1st Midamerica Credit Union is a 9 digit bank code used for various bank transactions such as direct deposits, electronic payments, wire transfers, check ordering and many more. Routing numbers are also known as bank routing numbers, routing transit numbers (RTNs), ABA numbers, ACH routing numbers. Routing numbers may differ depending on …1st Midamerica Credit Union. ABA Routing Number: Routing numbers are also referred to as "Check Routing Numbers", "ABA Numbers", or "Routing Transit Numbers" (RTN). The ABA routing number is a 9-digit identification number assigned to financial institutions by The American Bankers Association (ABA). This number identifies the financial institution upon which a … As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances. 1st MidAmerica Credit Union is a full-service ... Free Checking. Get account details 24/7 anytime by phone! With the Member Line Automated Phone System , you have 24/7, anywhere access to your account ! Call into …BETHALTO — Go Live, Video Banking, has been introduced by 1st MidAmerica Credit Union...With so few reviews, your opinion of 1st MidAmerica Credit Union could be huge. Start your review today. Overall rating. 3 reviews. 5 stars. 4 stars. 3 stars. 2 stars. 1 star. Filter by rating. Search reviews. Search reviews. Linda A. San Francisco, CA. 0. 1. Jan 15, 2019. I would not recommend this credit union to anyone else! They …We're Pleased to be helping you with your first home. The more you know about the home buying process, the more confident you will be in making the important decisions that will shape your home ownership experience. The Mortgage Process. Buying a home has never been easier. We've streamlined and updated the entire …CEO, 1st MidAmerica CU District 1, Class C Alan Meyer has been with 1st MidAmerica Credit Union since 2002 and assumed the role of CEO in 2013. Alan has been on the League Board since 2010. He also serves on the boards of the Riverbend Growth Association and the Madison County Chapter of the American …

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You need to enable JavaScript to run this app. You need to enable JavaScript to run this app. If the account qualifications are met for a Monthly Qualification cycle for the High Interest Reward Checking Account, you will receive 5.00% APY on balances up to $10,000. Balances over $10,000 will earn 0.25% APY. Rewards based on average balance. If the linked checking account satisfies the qualification requirements for a monthly ... As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances. 1st MidAmerica Credit Union is a full-service ... As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances. 1st MidAmerica Credit Union is a full-service ...1st MidAmerica Credit Union also uses web analytics services, which currently include without limitation Google Analytics. Although we currently use the foregoing analytics service provider, 1st MidAmerica Credit Union reserves its right, within its sole discretion, to change analytics services providers, or to add additional analytics services providers, without notice to you.1st MidAmerica Credit Union, at 19301 E Valley View Parkway, Independence Missouri, is more than just a financial institution; 1st MidAmerica is a community-driven organization committed to providing members with personalized financial solutions. Founded in 1934, 1st MidAmerica has grown alongside the members, offering a range of services ...1ST MIDAMERICA CREDIT UNION 731 EAST BETHALTO DR Bethalto, IL 62010. 0.00 mi. HANDEE MART - BEHALTO 601 S PRAIRIE Bethalto, IL 62010. 0.51 mi. MONEY ACCESS SERVICE 120 W. BETHALTO DR Bethalto, IL 62010. 0.58 mi. RUNWAY LOUNGE 314 WEST BETHALTO DRIVE Bethalto, IL 62010. 0.75 mi.Jerseyville Branch. 300 West County Road Jerseyville, IL 62052. Open Today: 9:00 am - 6:00 pm. Branch Details. The interactive map showcases all 1st MidAmerica branches located in and around the Jerseyville, making it easy for residents to find the nearest one and take advantage of their services. The map above displays the locations of 1st ...We're Pleased to be helping you with your first home. The more you know about the home buying process, the more confident you will be in making the important decisions that will shape your home ownership experience. The Mortgage Process. Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you ...Our IRAs also insured up to $500,000 per member. The National Credit Union Administration (NCUA), a U.S. government agency, insures your account up to $250,000 per member. When your accounts exceed $250,000, the maximum level of coverage provided through NCUA on IRAs, you are also insured up to an additional $250,000 By ESI, a …‎1st MidAmerica Credit Union's free Mobile Banking Application - optimized for iPhone and iPad devices. Features • Review account balances and transactions • Transfer funds between accounts • Pay bills • View copies of cleared checks • Locate surcharge-free ATM’s and 1st MidAmerica Credit Union bran… ….

About 1st MidAmerica. As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances. Read more about usWith 1st MidAmerica Credit Union as your trusted partner, you can achieve more. 1st MidAmerica Credit Union is financial cooperative that exists for consumers that yearn to turn their financial goals into amazing outcomes. Our team listens to you, cares about your dreams, and works with you each step. We are available when you need us because we offer …This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances. Call into Member Line 24/7 to check your balance, hear information about an existing loan or credit card or hear information about branch locations, hours and more.Select “Check Deposit” on the bottom menu of your mobile app. When you endorse your check, write “For Mobile Deposit Only at 1 st MidAmerica Credit Union” below your signature. Follow the prompts in the app to deposit the check into your selected account. Hold onto the check to allow sufficient time in case the original is needed for ...1st MidAmerica Credit Union is a full-service credit union offering a wide variety of financial services in Illinois and Missouri. The Online Banking home page is designed to help you complete your everyday money management tasks quickly and easily from one place. In fact, we've brought together the tools needed to perform your most common daily tasks without ever leaving the page. You can easily: Check all your account balances at once. 1st MidAmerica Credit Union Branch Location at 1795 E Edwardsville Rd, Wood River, IL 62095 - Hours of Operation, Phone Number, Services, Address, Directions and Reviews. Find Branches Branch spot. As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances. 1st MidAmerica Credit Union is a full-service ... 1st Midamerica Credit Union. ABA Routing Number: Routing numbers are also referred to as "Check Routing Numbers", "ABA Numbers", or "Routing Transit Numbers" (RTN). The ABA routing number is a 9-digit identification number assigned to financial institutions by The American Bankers Association (ABA). This number identifies the financial institution upon which a …As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances. 1st MidAmerica Credit Union is a full-service ... 1st midamerica cu, Select “Check Deposit” on the bottom menu of your mobile app. When you endorse your check, write “For Mobile Deposit Only at 1 st MidAmerica Credit Union” below your signature. Follow the prompts in the app to deposit the check into your selected account. Hold onto the check to allow sufficient time in case the original is needed for ..., This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances. 1st MidAmerica Credit Union is a full …, Reading is important for kids of all ages, whether they’re reading on their own or hearing stories from teachers, parents and the other adults in their lives. Wilbooks offers free ..., When it comes to sending out mail, there are a few different options for postage. One of the most popular is the 1st class stamp, which is used for letters and packages that need t..., ‎1st MidAmerica Go Live lets you securely interact with professionals you trust from anywhere. The app allows you to video chat and conduct business all in one simple tool. While you are on the video chat with your trusted financial professional, you can do the following: Communicate in a personal,…, 1st MidAmerica Credit Union, at 1795 E Edwardsville Road, Wood River Illinois, is more than just a financial institution; 1st MidAmerica is a community-driven organization committed to providing members with personalized financial solutions. Founded in 1934, 1st MidAmerica has grown alongside the members, offering a range of services designed ..., 1st MidAmerica Credit Union is committed to ensuring accessibility of our website for people of all abilities. We are actively engaged in the ongoing process of testing, developing and updating our website to conform to Level AA success criteria of W3C WAI WCAG 2.0. As part of this commitment, we have engaged ongoing services …, Revity CU Mobile is an app created by GCS Federal Credit Union. Since June 2019, the app has been ready for download. It's currently not in the top ranks. With 56 ratings contributing, it maintains a score of 2.04 out of 5 stars. The last update of the app was on August 10, 2023August 10, 2023, Since 1934, 1st MidAmerica Credit Union has been helping families achieve their financial goals. 1st MidAmerica is a not-for-profit financial cooperative dedicated to the financial success of its members. 1st MidAmerica is a full service financial institution offering mortgages, auto loans, checking accounts, money markets, certificates, kids club programs, commercial …, You need to enable JavaScript to run this app. You need to enable JavaScript to run this app., Welcome to our Skip a Payment service. Please enter account information below * required info, About 1st MidAmerica. As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances. Read more …, CU Difference. Credit unions are different - see how and be a part of something special. ... As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of …, About 1st MidAmerica. As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances. Read more about us, We offer competitive rates on unsecured and secured personal loans for your borrowing needs. Funds can be used for vacations, weddings, large purchases or other unexpected expenses that life throws your way. Our signature loans can be established for as little as $500 and up to $15,000 and feature terms up to 60 months. Apply for a Loan. , Contact 1st MidAmerica Credit Union Wood River. Phone Number: (618) 258-3168. Toll-Free: (800) 345-4216. Report Phone Problem. Address: 1st MidAmerica Credit Union Wood River Branch 1795 E Edwardsville Road Wood River, IL 62095. Website: , About 1st MidAmerica. As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances. Read more about us , About 1st MidAmerica. As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances. Read more about us , ‎1st MidAmerica Credit Union's free Mobile Banking Application - optimized for iPhone and iPad devices. Features • Review account balances and transactions • Transfer funds between accounts • Pay bills • View copies of cleared checks • Locate surcharge-free ATM’s and 1st MidAmerica Credit Union bran…, 13 Feb 2023 ... 1st MidAmerica Credit Union promotes Amber Scott, Olivia Turner ... 1st MidAmerica Credit Union has announced that Amber Scott has been named ..., Since 1934, 1st MidAmerica Credit Union has been helping families achieve their financial goals. 1st MidAmerica is a not-for-profit financial cooperative dedicated to the financial success of its members. 1st MidAmerica is a full service financial institution offering mortgages, auto loans, checking accounts, money markets, certificates, kids club programs, commercial …, 1st MidAmerica Credit Union has many convenient ATM locations and provides easy access to cash with surcharge free* withdrawals at over 28,000 CO-OP ATMs nationwide. Surcharge free* ATMs are located at all of our branches, CO-OP credit union branches, select stand alone locations throughout the United States, as well as 5,500 participating 7 ... , Get more information for 1st MidAmerica Credit Union in Bethalto, IL. See reviews, map, get the address, and find directions. Search MapQuest. Hotels. Food. Shopping. Coffee. Grocery. Gas. 1st MidAmerica Credit Union. Open until 6:00 PM. 2 reviews (618) 258-3168. Website. More. Directions Advertisement. 731 E Bethalto Dr Bethalto, IL 62010 Open until 6: ..., 1 st MidAmerica Credit Union. (618) 258-3168 ext. 1490. (618) 258-6001 (fax) [email protected]. 1st MidAmerica Credit Union was recently recognized with the first place Dora Maxwell ..., Fax: (618) 258-9542. Report Phone Problem. Address: 1st MidAmerica Credit Union Alton Branch 3553 College Avenue Alton, IL 62002. Website: Visit Website. Online Banking: 1st MidAmerica Credit Union Login. , The 1st MidAmerica Credit Union Board issued a Proclamation, recognizing Mr. Klasner’s service to the credit union. He was also posthumously awarded a Lifetime Achievement Award from the Illinois Credit Union League. Ted Klasner 1941 - 2021 $860.0 2021 - 4 - It is an honor to recognize how much the work we do matters. Every day, the credit union team is focused on …, Get started today. Open an account today and talk face-to-face with a live representative through our Go Live, Video Banking Channel! Social Feed. Reminder: All our branches …, As a 1st MidAmerica member, you are a shareholder and owner of a cooperative financial institution, a credit union. This primary advantage to credit union membership is just the beginning. In addition, 1st MidAmerica offers a host of services to help you simplify the management of your finances. 1st MidAmerica Credit Union is a full-service ..., 1st Midamerica Credit Union. ABA Routing Number: Routing numbers are also referred to as "Check Routing Numbers", "ABA Numbers", or "Routing Transit Numbers" (RTN). The ABA routing number is a 9-digit identification number assigned to financial institutions by The American Bankers Association (ABA). This number identifies the financial institution upon which a …, Free Checking. Get account details 24/7 anytime by phone! With the Member Line Automated Phone System , you have 24/7, anywhere access to your account ! Call into …, 1st MidAmerica CU Download and install old versions of apk for Android. Latest Version of 1st MidAmerica CU. 2023.10.02. 9/12/2023. 1 ..., Checking. 1st MidAmerica Credit Union checking accounts, also referred to as Share Draft Accounts, provide convenient access to your funds through debit cards, physical checks, and ATMs. Contact the credit union at (618) 258-3168. Checking Accounts (Share Draft) - Manage your daily finances with our …, Contact Us. Phone: (618) 258-3168. Toll Free: 1-800-345-4216. Lost or Stolen Visa Debit or Credit Cards: call our main numbers above. Go Live: Speak to us face-to-face through video banking. Or Visit Us : Lobbies …