No, it is not possible to unilaterally remove a joint owner from an account. Joint ownership implies equal rights and responsibilities for all parties involved. Any changes to joint ownership require mutual agreement and action by all account holders. If you have concerns or wish to make changes to the ownership structure of your account, please contact our customer service representatives who will guide you through the necessary steps and provide assistance accordingly.

Utilizing the Brella app is an excellent method for safeguarding your debit card. Brella offers proactive protection by promptly alerting you to any card usage, enabling swift detection of unauthorized or fraudulent transactions. Users can opt to receive alerts via text or email for added convenience. Additionally, Brella provides a range of features including real-time balance checks, the ability to toggle your card on or off instantly, seamless fund transfers to other Brella users, and convenient ATM locator services. You can download the Brella app from iTunes or Google Play. 

Alternatively, you can contact our member service representatives at 573-686-7221 to request immediate deactivation of your card. We're here to assist you with securing your finances and ensuring peace of mind.

Your daily debit card limits are as follows:

• PIN Transactions: Up to $500 per day.
• Credit Transactions: Up to $1,500 per day.
• Daily Transaction Total Limit: A combined total limit of $2,000 per day.

These limits are designed to provide both security and convenience while using your debit card for various transactions. If you have any specific inquiries or need adjustments to your limits, please feel free to contact our customer service team for assistance.

Debit Card Fruad

Reporting fraudulent activity on your debit card is crucial to safeguarding your finances. Here's what you should do:

1. During normal open hours: If you notice any suspicious transactions, promptly call us at 573-686-7221. Our dedicated Member Service Representative will guide you through the necessary steps to report the fraud and secure your account.
2. After hours: If you encounter fraudulent activity outside of our normal operating hours, it's important to act swiftly. Contact Shazam at 833-288-1126 to report the fraud and initiate appropriate measures to protect your account.
3. Emergency card shutdown: In cases of immediate concern, such as suspected card theft or unauthorized use, you can directly call Shazam at 800-383-8000 to shut down your card and prevent further unauthorized transactions.

By taking prompt action and following these steps, you can help mitigate the impact of fraud on your account and protect your financial well-being.

To open an account with us, you will need to bring the following documents:

1. Non-expired government-issued photo ID: This could include a driver's license, passport, or state ID card.
2. Proof of current physical address: Examples of acceptable documents include utility bills, rental agreements, or official correspondence that displays your name and current address.
3. $25.00 for your membershare: We require a nominal fee of $25.00 to establish your membership share. This helps support our commitment to providing exceptional services and benefits to our members.

Adding someone to your account is a straightforward process designed to ensure security and accuracy. Follow these steps:

1. Visit our branch: Both the person you wish to add and all current account holders must visit one of our branches together.
2. Bring necessary identification: Ensure that everyone brings non-expired government-issued photo identification for verification purposes.
3. Complete the required forms: Our staff will provide you with the necessary forms to add a new member to your account. These forms must be filled out accurately and signed by all parties involved.
4. Review account details: Take this opportunity to review and confirm account details, including any changes or additions being made.
   
   By following these steps, you can easily add someone to your account while ensuring the security and integrity of your financial information.

Activating your new card is a simple process. Follow these steps:

1. Visit any of our ATMs: Locate any of our ATMs conveniently located in your area.
2. Check your account balance: Insert your new card into the ATM and follow the prompts to check your account balance. You'll need to use the Personal Identification Number (PIN) provided to you by our Member Service Representative.

By following these steps, you can quickly and easily activate your new card and start using it for your banking needs. If you encounter any issues or require assistance, please don't hesitate to contact us for support at 573-686-7221.

Ensuring uninterrupted access to your card during travel is essential. Here's what you can do:

1. Use the Brella app: Download the Brella app (iTunes, Google Play), where you can conveniently submit travel notices. This informs us of your travel plans, reducing the likelihood of your card being flagged for suspicious activity while you're away.
2. Contact a Member Service Representative: Alternatively, you can reach out to our Member Service Representative at 573-686-7221 to set up a travel notice over the phone. They will assist you in ensuring your card remains accessible during your trip.

By taking these proactive steps, you can enjoy peace of mind knowing that your card will be available for use wherever your travels may take you.