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Welcome to Virginia Beach Postal Federal Credit Union’s web site.

VBPFCU was chartered on March 21, 1963 and is proud to serve the employees of the Virginia Beach Postal Service, their families and members of their households.

We believe that membership in VBPFCU is advantageous to every postal employee, whether that person intends to save or needs to borrow money. We invite all Virginia Beach Postal employees and their families to join! We sincerely hope that the association between you and the Credit Union is a long and successful one!


LOCATION:

Virginia Beach Postal Federal Credit Union is located at:

501-A Viking Drive
Virginia Beach, VA 23452
757.340.9781
757.340.1213 fax


LOBBY HOURS:
Monday – Thursday ----------------9:00am to 5:00pm
Friday ----------------------------------9:00am to 6:00pm



BOARD OF DIRECTORS:

Bobby Wittman President
Steve Kirby Vice-President
Terry Stephens Treasurer
Bill Miller Supervisory Committee Chairman
Fran Sansone Secretary
Peggy Arp Director
Jim Ayers Director

SUPERVISORY COMMITTEE

Bill Miller Chairman
Frank Nabbefeld Volunteer
Demetrius Pope Volunteer
Janice Kuhagen Volunteer

STAFF:

Rose Gagnon Manager
Naomi Bontempi Member Services Rep
Dody Slade Member Services Rep
Nita Bradford Part Time Member Services Rep

Send mail to info@vbpfcu.org with questions or comments about this web site.


Privacy Policy

Virginia Beach Postal Federal Credit Union is owned by its members and run by a board of directors you elect. You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information If you have any questions, please contact a member service representative at 757-340-9781.

We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider.

Under these arrangements, we may disclose all of the information we collect, as described below, to companies that perform marketing or other services on our behalf, other financial institutions with whom we have joint marketing agreements. We partner only with businesses that follow strict confidentiality standards and limit the use of the information we provide We do not permit these companies to sell to other third parties the information we provide to them.

Information We Collect and Disclose About You

We collect and may disclose nonpublic personal information about you from the following sources:

  • Information we receive from you on membership and loan applications and other forms:
  • Information about your transactions with us or others:
  • Information we receive from a consumer reporting agency:
  • Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions.

We may also disclose information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, and follow your instructions as you authorize, or protect the security of our financial records.

If you terminate your membership with the Virginia Postal Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information:

We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information

Complaints or concerns about this site should be directed to:
Rose Gagnon, Manager
501A Viking Drive
Virginia Beach, VA 23452
Phone: 757-340-9781


Funds Availability Policy

This notice serves as a statement of your ability to withdraw funds from Virginia Beach Postal Federal Credit Union and applies to all accounts.

Your Ability to Withdraw Funds

Our policy is to make funds from cash deposit, wire transfer, and electronic direct deposits available on the same business day we receive your deposit. You will have immediate availability for the following checks if they are: government checks, cashier’s, certified and teller checks, travelers checks, money orders and payroll checks (documentation required). In some cases, we will not make all of the funds that you deposit by check available to you on the same business day that we receive your deposit. We generally will make $200 of the total deposits available to you on the day we receive your deposit. Business and personal checks in excess of $200 will be held for two business days. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks or other electronic debits that are presented for payment.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and Federal Holidays. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

Longer Days May Apply

In some cases, we will not make all of the funds that a member has deposited by check available on the second business day after the day of the deposit. Depending on the type of check deposited, funds may not be available until the seventh business day after the day of the deposit in most cases. The first $200 of the deposit will be available on the first business day following the deposit. Funds deposited by check may be delayed for a longer period under the following circumstances:

  • We believe the check deposited will not be paid.
  • The check deposit totals more than $5,000 on any one day.
  • You deposited a check that has been returned unpaid.
  • You have overdrawn your account repeatedly in the last six months.
  • There is an emergency, such as failure of computer or communications equipment.

If we are not going to make the funds from your deposit available on the first business day, we will notify you at the time of your deposit. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

Special Rules for New Accounts

For new members, special rules will apply during the first 30 days the account is open. Funds from electronic direct deposits to a members account will be available on the day we receive the deposit. Funds from deposits of cash and wire transfers will also be available the day we receive the deposit. The first $5,000 of a day’s total deposit of cashier’s, certified tellers, traveler’s and federal, state and local government checks will be available on the first business day after the day of the deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess of $5,000 will be available on the ninth business day after the day of the deposit. If your deposit of these checks (other than U.S. Treasury checks) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.

Funds from all other checks deposited will be available on the ninth business day after the day of your deposit.

Hold on Other Funds

If we cash a check for you that is drawn on another financial institution, we may withhold the availability of the corresponding amount of the funds that are already in your account. Those funds will be available using the same hold policy as if you had deposited it. If we accept a check for deposit that is drawn on another financial institution, we may make funds from the deposit available for immediate withdrawal, but delay your ability to withdraw a corresponding amount for funds that you have on deposit in another account with us. The funds in the other account would not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of checks that you deposited.

Foreign Check

Checks drawn on financial institution located outside the United States (foreign checks) cannot be processed the same as checks drawn on United States financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.

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