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Is iTHINK Financial a Bank or a Credit Union?
iTHINK Financial is a credit union, not a bank. Credit unions are owned by their members rather than shareholders, with earnings returned through competitive rates, lower fees, and higher savings yields
Who Can Join?
Membership is available to eligible people who live, work, worship, or attend school in approved Florida or Georgia counties, participating employer groups, and eligible family members.
Frequently Asked Questions About iTHINK Financial
Find quick answers about iTHINK Financial, membership, insurance and our services.
What is iTHINK Financial?
iTHINK Financial is a member-owned, not-for-profit credit union headquartered in Delray Beach, Florida, serving members across Florida and Georgia. Founded in 1969, iTHINK Financial offers checking and savings accounts, vehicle and personal loans, mortgages, credit cards, business banking and wealth management. Deposits are federally insured to at least $250,000 by the National Credit Union Administration.
Is iTHINK Financial a bank or a credit union?
iTHINK Financial is a credit union, not a bank. Credit unions are owned by their members rather than shareholders. Earnings are returned to members through competitive loan rates, lower fees and higher deposit yields. Deposits at iTHINK Financial are federally insured by the National Credit Union Administration, rather than the FDIC, at the same coverage level of at least $250,000 per depositor.
Who can join iTHINK Financial?
Membership is open to people who live, work, worship or attend school in an approved county in Florida or Georgia; employees and retirees of participating employers; and eligible immediate family and household members of current members. Opening a savings account with $5 begins a lifetime membership. Learn more about joining iTHINK Financial.
Is iTHINK Financial federally insured?
Yes. Deposits at iTHINK Financial are federally insured to at least $250,000 per depositor by the National Credit Union Administration, a federal agency. Credit unions are not FDIC insured; NCUA insurance provides the same standard coverage amount provided by FDIC insurance.
What is iTHINK Financial's routing number?
The iTHINK Financial routing number, also called the ABA number, is 267077627. Use it for direct deposit, wire transfers and automatic payments. For help with a specific transfer, call 800.873.5100 or email serviceplus@ithinkfi.org.
Where is iTHINK Financial located?
iTHINK Financial is headquartered in Delray Beach, Florida, with branches throughout Florida and Georgia. Members also have access to CO-OP Shared Branch locations nationwide. Find a branch or ATM near you.
Is iTHINK Financial the same as IBM Southeast Employees Credit Union?
Yes. iTHINK Financial was formerly known as IBM Southeast Employees Credit Union, or IBMSECU. The credit union adopted the iTHINK Financial name in 2020. Existing member relationships and the routing number carried over through the rebrand, and membership is no longer limited to IBM employees.
What products and services does iTHINK Financial offer?
iTHINK Financial offers checking and savings accounts, money market accounts, certificates and IRAs, vehicle loans, personal loans, mortgages, home equity lines of credit, Visa credit cards, business banking and lending, and wealth management services. Members can also use Digital Banking for features such as mobile deposit, bill pay and account transfers. Explore personal banking products and services.
Is iTHINK Financial connected to iTHINK Financial Amphitheatre?
iTHINK Financial is the title sponsor of the iTHINK Financial Amphitheatre and the Tabernacle Presented by iTHINK Financial. iTHINK Financial is a financial institution and does not operate either venue, sell tickets or manage events.
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Helpful Hints When Traveling
By: iTHINK Financial | Jan 15, 2016
Traveling overseas?
Using your iTHINK Financial Visa Debit or Credit card could save you money. Visa’s daily exchange rate in many cases is better than you’ll find in the currency exchange locations here and overseas.
Don’t be fooled by the “ Fees” advertisements for currency exchange. In many cases the ‘Fee’ is buried in the lower exchange you’ll be getting for your US currency. We encourage you to do your homework by using Visa's Currency Converter where you can compare the exchange rate you’ll be receiving from Visa. On each transaction conducted crossing any international borders, iTHINK Financial charges a low 2% on the US Dollar as an International Service Assessment Fee.
Reducing ATM fees and risk
Try to plan your withdrawals based on your anticipated spending so that you’re not incurring more ATM surcharge fees than necessary. Also be sure to use ATMs in secure, well-lit areas. Look for the larger local banks. If the ATM looks like it possibly has been tampered with, don’t use it. Protect your PIN. Don’t count your cash at the ATM. All airports will have ATMs; however, the surcharge will be higher, so if possible, wait until you leave the airport to get cash.
Tell us you’re leaving town
Contact our Call Center by calling 800.873.5100 to let us know you’ll be out of town. Make sure we have your current contact information, including email address, on file.
What if my card is lost or stolen?
To report your Visa Credit Card, Visa Debit Card or ATM Card lost or stolen, please contact us 24/7 at 800.873.5100 for assistance.
If you are overseas and calling during our business hours, Mon-Fri 8:00 a.m. – 6:00 p.m. EST, we will accept a collect call to report your card Lost or Stolen.
If you are overseas and calling outside of our business hours please contact Visa directly by locating the phone number for the country in which you are traveling.
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