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Get answers to frequently asked questions

Setting Up Direct Deposit

Download and print the PDF to change Direct Deposit to Tropical Financial, download form above and follow instructions provided within the document. 

Having issues, call us at 305-261-8328 in Miami-Dade or 1-888-261-8328 from all other areas to get more information.

I need to check on my application status.

You can check the status online or by contacting the Call Center and speaking with a loan representative.

Call us at 305-261-8328 in Miami-Dade or 1-888-261-8328 from all other areas to get more information.

How do I switch my accounts to Tropical Financial?

Step 1: Download and print the PDF to close your account(s) at another bank or credit union.

Step 2: Download and print the PDF to change Direct Deposit to Tropical Financial, click here for pdf form.

Step 3: Download and print the PDF to change/authorize automatic payment from your Tropical Financial account.

What is the routing number?

Tropical Financial's routing number is 267077847.

What do I do if I lost my debit/credit card?

For Lost/Stolen Credit Cards Call:

For Lost/Stolen Debit Cards Call:
(800) 472-3272 

How do I setup online banking?

Step 1: Enter your account number in the Username Box.

Step 2: Enter your 4 digit PIN in the password box.

Step 3: Follow the prompts to set a new username and password.

Click here to get started
See a quick video on how to set up online banking here.

How can I get Courtesy Pay?

Courtesy Pay is a service we add to your checking account to cover overdrafts to a set limit, subject to the eligibility criteria and types of transactions covered. Courtesy Pay is not offered on Basic Checking accounts. However, whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or is not being managed in a responsible manner, or you are not making regular deposits.

Eligibility – No application is required for Courtesy Pay. Eligibility is at the Credit Union's sole discretion and Courtesy Pay service is generally made available for active account holders 30 days after the account is opened. Courtesy Pay may be suspended or permanently removed from the member's account at the Credit Union's discretion.

For Debit MasterCard and ATM purchases – If you have not activated the "opt-in" feature of overdraft on your ATM or Debit card, we unfortunately, will have to decline your ATM transactions and one-time debit card transactions when there are insufficient funds in your account. Just think of this service as an 'Emergency Cash Reserve'. There is no charge if you don't use it.

Download and Print Courtesy Pay Forms

How do I make a wire transfer?

All wire transfer orders must comply with the provisions of U.S. Law as enforced by the Treasury Department Office of Foreign Asset Control. Please send completed forms to

Domestic Wire Transfer

International Wire Transfers

What should I do if I am a victim of fraud?

Email Fraud: If you believe you have received a suspicious or fraudulent email that appears to be from Tropical Financial Credit Union, do not reply or click on any of its links, contact any phone numbers or otherwise provide any personal information. Please forward it immediately to

Identity Fraud: If you know, or even think, you’ve been a victim of identity fraud, take immediate action and follow these five steps.

More specifics can be found on the FTC’s Identity Theft Site, located here:

  1. Report the fraudulent activity. If the activity is related to our financial institution please contact us directly. If it is related to another financial institution, your credit card company, or any other organization contact them directly.

  2. Contact one of the three consumer reporting companies and have a fraud alert placed on your credit report. This will help stop fraudsters from opening any additional accounts in your name.  Contact only one of the following (the others are required to contact the other two): 

    Equifax: 1-800-525-6285;; P.O. Box 740241, Atlanta, GA 30374-0241

    Experian: 1-888-EXPERIAN (397-3742);; P.O. Box 9532, Allen, TX 7501

    TransUnion: 1-800-680-7289;; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790

  3. Close any accounts that you know - or even think – might have been tampered with or opened fraudulently. Report the transgression to a security spokesperson at the relevant company. Ask them about any additional steps – they’ll probably ask you to send relevant copies of the fraudulent activity.

    You can also use the FTC Theft Affidavit ID Theft Affidavit (PDF, 56KB) as formal certification of your dispute.

  4. File your complaint with the FTC. Use the online complaint form; or call the FTC’s Identity Theft Hotline, toll-free: 1-877-ID-THEFT (438-4338); TTY: 1-866-653-4261; or write Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580. 

    Sharing your identity theft complaint with the FTC will help law enforcement officials track down identity thieves and stop them.

  5. Call or visit the local police or police in the community where the identity theft took place and file a report. Have a copy of your FTC ID Theft complaint form available to give them. Obtain a copy of the police report and the police report number.

Written Statement of Unauthorized Debit

Written Statement of Unauthorized Debit for Unauthorized ACH Debit Activity. Download form here.