When is the credit union open?

Our office at 156 Spring St. in West Roxbury is open Monday, Tuesday, Wednesday & Friday, from 7 a.m. to 4 p.m, Thursday from 7 a.m. to 5 p.m and Saturday from 9 a.m. to noon.

Our branch at 52 Second Avenue Waltham is open Tuesday and Thursday from 7 a.m. to 3 p.m.

Both branches are closed on all major holidays, including Christmas, New Year’s Day, Memorial Day, July 4th, and Labor Day.
 

What is the difference between a credit union and a bank?
 

There is a world of difference. Unlike banks, credit unions are member-owned, not-for-profit institutions. Member-ownership gives us the incentive to focus completely on providing value to members. Energy Credit Union’s mission is to offer members access to low cost loans, high-interest savings, and other valuable products and services at the best rates possible.
 

What is your routing number?
 

Our routing number (also known as our ABA number) is 211083528.
 

Who is eligible for membership?
 

Membership in Energy Credit Union is open to those who live or work in certain communities and to employees and retirees of KeySpan Energy New England. Family members of eligible individuals are welcome. Eligible Communities include: communities in Suffolk County, communities in Norfolk County, Bedford, Belmont , Billerica, Burlington, Lexington, Lincoln, Newton, Waltham, Watertown, Weston, and Woburn.
 

How can I join Energy Credit Union?

Request an application, call (617) 325-1999 or visit us at 156 Spring Street or 2029 Centre Street in West Roxbury.
 

Are retirees of KeySpan and Boston Gas eligible?

Yes, retirees and their family members are eligible for membership.
 

Can children open accounts with Energy Credit Union?

Yes, if they are relatives of current members.
 

When I deposit funds, how long does it take before those funds are available?

Please review our funds availability policy.
 

Who is eligible for direct deposit?

All members are eligible for direct deposit of funds to their checking, savings, Christmas Club or Vacation Club accounts. Members may arrange for direct deposit of their paychecks, pensions, VA checks, and Social Security payments.
 

How do I begin direct deposit?

For direct deposit of your paycheck, contact your employer’s payroll department for the appropriate forms and information. To arrange direct deposit of your Social Security and/or Social Security Supplemental Income payments, call the Social Security Administration at (800) 772-1213 or call us at (617) 325-1999. To arrange direct deposit of your VA or pension checks, call your employer’s human resources department.
 

How do I stop direct deposit or change the amount directed to my accounts?

To stop direct deposit of your paycheck or to change the amount of your paycheck directed to each of your accounts, contact your payroll department. To stop or change direct deposit of pensions, VA checks, or Social Security payments, call us at (617) 325-1999.
 

How can I locate free ATMs?

Energy Credit Union is a proud member of the SUM network. You will not pay fees at any SUM ATMs. Visit the SUM Web site for locations of no-fee ATMs.
 

How can I locate ATMs that accept deposits?

Please visit the NYCE Web site and use their ATM locator tool.
 

What if I lose my debit card?

To report a lost or stolen debit card and obtain a new card, please call the card issuer at (800) 264-5578 or call the credit union at (617) 325-1999.
 

What is Energy@Home? Is there a fee?

Energy@Home is a secure, convenient way to access your accounts via the Internet. Members can view their account history, make transfers, pay bills and more. We offer Energy@Home’s banking and bill paying services free of charge to our members. Read more about the benefits of Energy@Home.
 

How do I access and learn to use Energy@Home?

It’s easy. Please read the instructions for getting started and be sure to read the Statement of Terms & Conditions before using Energy@Home. All you need is a checking account with Energy Credit Union, a computer, and access to the Internet using a browser with 128-bit encryption.

Once you log into Energy@Home, simply click on the Help button. You will find instructions for viewing your accounts, transferring funds, paying bills and more.
 

How current is the information on Energy@Home?

Your account information is updated online in real time.
 

Can I connect to Energy@Home from within another network, such as my company’s Intranet?
 

You may experience difficulty connecting if you use a PC that is part of a network, such as a LAN or WAN that is connected to the Internet. Frequently, security barriers on many networks can prevent connection with secure, encrypted Web sites. If you experience difficulties in connecting from a networked PC, ask your network administrator about possible interference caused by security barriers. Also, see your Network Administrator regarding company policy for Intranet use.
 

How do I find out what version of a browser I am using?
 

Follow the instructions below for your browser:

Internet Explorer Users - Open the browser. At the top, click "Help". Select "About Internet Explorer" The version of your browser should display on screen. If your browser supports 128- bit encryption, it will display the text "128-bit" next to the words "cipher strength".

Netscape Users - Open the browser. Click on "Help". Select "About Netscape (or Communicator)." The version of your browser should display at the top of the screen. If your browser supports 128-bit encryption, it will display the text "This version supports U.S. security" in the middle of the browser windows on the left side of the screen.
 

I do not have an approved browser. How do I upgrade?
 

Go to the Netscape or Microsoft Web site to upgrade your browser. Make a backup copy of any important files prior to any major browser upgrade.

How long does it take for my bills to get paid with Energy@Home’s bill paying features?
 

The amount of time required for a bill to be paid depends in part on the payee’s systems. Each payee decides how they want to receive payments, and their policies may determine the number of days required for the transactions to be processed. After you set up your payees, you can view the list and see the number of business days required to deliver your payment. We recommend that you enter and transmit your bill payment instructions through Energy@Home at least ten (10) days before a bill is due. If you use Energy@Home to set up recurring payments of regular bills, please schedule these payments accordingly. If the bill is due the 15th of each month for example, set your transactions to occur on or before the 5th. You are responsible for any late payments or finance charges that may be imposed as a result of your failure to transmit a timely bill payment authorization.
 

From which account is money for bills taken?
 

Funds are withdrawn from your checking account at Energy Credit Union. Just as when you write a check, be certain you have enough money in your checking account to cover all scheduled payments.
 

Why can't I have bills paid from my Savings or Money Market Account?
 

By federal regulation, these accounts are classified as a non-transactional account and cannot be used by the Bill Pay service.
 

Is Energy@Home a secure system?
 

Energy Credit Union is committed to ensuring the confidentiality of your online transactions. Energy@Home incorporates security features for safeguarding your accounts and the information you transmit during a session. Energy@Home uses 128-bit Secured Socket Layer (SSL) strong encryption during your online sessions. Encryption is a sophisticated way of scrambling all information transmitted online before it leaves your computer, so that all information, including passwords and online bill payments are completely unreadable by unauthorized third parties. No transactional information will be transmitted without first being encrypted. To prevent unauthorized access to your account, Energy@Home uses a double authentication system. This prevents unauthorized users from determining how to access your account while you are online and prevents unauthorized users from executing transactions on your account.
 

What are eStatements? Is there a fee for this service?
 

eStatements are account statements and images of cleared checks that are accessed through a secure Web site, where members can view, print or save the statements. eStatements look exactly like paper statements.There is no charge for eStatements.
 

Is the statement cycle for eStatements the same as it is for paper statements?
 

Yes, your statement will continue to run from the first day of the month to the last day of the month and quarterly. Members who choose eStatements eliminate the regular waiting period associated with postal delivery. Typically, eStatements are available three to four days earlier than mailed paper statements.
 

How do I sign up for eStatements?
 

It takes just a few minutes to complete the simple online registration form and accept the user agreement. We will send an e-mail message confirming your registration.

How do I receive my eStatement?
 

You will receive an e-mail notifying you that your statement is ready. The e-mail will contain a hyperlink to the eStatements sign on screen. You can also access the sign-on screen from this Web site.
 

Will my eStatement be available online if for some reason I did not receive my e-mail notification?
 

If your e-mail notification was undeliverable, your current statement will still be available online. Simply access the eStatements sign on screen from this Web site. If you do not provide an updated e-mail address before the next statement cycle, your account(s) will automatically be converted back to a paper, mailed statement.
 

How do I print or save my eStatement?
 

By using the Adobe Acrobat Reader toolbar, press the printer icon. You can either print the entire statement or just a particular page. To save your statement, press the diskette icon.
 

Is my eStatement secure and safe?
 

Yes, the eStatements system uses Secure Socket Layer (SSL) encryption technology to protect the transmission of data. SSL allows software to communicate with Web servers in a secure, encrypted manner. All user sessions employ a 128-bit global unique identifier (GUID). Your eStatement files are not generated (and therefore do not exist on the Web server) until you log in with a legitimate member number and password. eStatements, when downloaded for viewing, are temporarily stored at a randomly generated Uniform Resource Locator (URL) address on the eStatements server. These files are automatically removed from the server within 30 minutes. The eStatements server resides behind firewalls, which block unwanted access.

What if I forget my eStatements password?
 

From the eStatement sign-on screen, click the "forgot password" link. Enter your member number and current eStatement e-mail address and click "Enter." You will receive your password via e-mail. Note: if you have entered an incorrect password, after five invalid log-on attempts your eStatement account will be locked for security reasons. If this occurs, contact Member Services. We will restore access to the system. Requests received by noon will be processed by the end of the business day. Requests received after noon will be processed on the next business day.
 

What if I want to cancel eStatements?
 

You can switch back to the paper version of your statement at any time. To cancel eStatements, simply click the "Maintain Your Account" link from the eStatement sign-on screen. Enter your member number, password, then click the link designated "to un-register from the eStatement service." You may cancel eStatements by calling Member Services. You will begin receiving paper statements via U.S. mail starting with your next statement cycle.
 

What should I do if I forget my PIN or password for my ATM/debit card, The Energy Line, Energy@Home or eStatements?
 

To reset your PIN or password for any of these services, call Member Services. Requests received by noon will be processed by the end of the business day. Requests received after noon will be processed on the next business day.
 

How do I use The Energy Line?
 

Call The Energy Line at (888) 833-5587 and enter your member number and PIN. Follow the prompts to make inquiries and conduct transactions. Remember to end all of your responses by hitting the pound (#) key.
 

Is the information I send through forms on this Web site secure?
 

Yes. The forms on this Web site are protected by 128-bit encryption, the highest level of encryption available.