Lending Services

The terms, conditions and due dates for any loans you have with City & Police will remain the same at Alive.

Payment Due Date & Information

Your payment and due date will not change.

Payment Methods

  • Payments by Internal Recurring Transfer - If your payment is made internally between two accounts held at the credit union, there’s no need for you to make any changes. You can also login to Online Banking at AliveCU.coop and set up one-time or recurring transfer payments from your Alive savings or checking account.

  • Payments by External Bill Payer Services - If you use another financial institution’s bill payer service to send payments, you will need to update that payment to reflect your accurate account number and Alive’s routing and transit number which is 263078837.

In order for Alive to receive your payment electronically through bill payer, you must use a 13 digit account number format. Your loan number through bill payer should be structured as a (3) three digit prefix, followed by a (10) ten digit account number. 
Payments by Check 

  • Mailing Address - When mailing your payment, please use Alive’s main office address: Alive Credit Union, 9790 Touchton Road, Jacksonville, Florida 32246. Be sure to include your loan account number on all check or money orders.

  • Payee - Make your check payable to Alive Credit Union.

  • Coupon Books - To use your current coupons, you must update the mailing address as indicated above for your payment to credit timely. Please note that coupon payment books will no longer be issued once your current supply is exhausted. Arrangements can be made if you prefer to continue to use payment coupons. Please contact a us at (904) 296.1292 to request additional coupons.

  • Payments at a Branch - You may make your payment at any Alive or Shared Branching location. 

  • Using Telephone Banking - Dial Telephone Banking at (904) 296.1292, option 2 at any time to transfer your payment from an Alive savings or checking account to your loan. You may also make payments by phone with a Member Services representative by calling (904) 296.1292.

  • Other Payment Options - Alive can initiate an automatic debit to collect your loan payment. Please contact a Member Services representative at (904) 296.1292 for details regarding setting up automatic debits.

Credit Cards
Your City & Police credit card has been converted to an Alive credit card through our shared credit card service provider, Elan Financial Services. Interest rates and card terms will remain the same at Alive. As your existing card approaches expiration, a new card bearing the Alive logo will be issued. Please continue to use your existing City & Police card until then.
Credit Life & Disability

We are pleased to share that Credit Insurance for members 67 and under will now be provided by our partner, Minnesota Life Insurance Company. This coverage cancels your loan balance or reduces your monthly payment if you become disabled or pass away, offering valuable protection to help ease the financial burden for you and your loved ones in challenging times. As part of this transition, disability rates have been reduced, while life insurance rates have experienced a slight increase. All affected members will be notified directly about the change.

Overdraft Protection and Overdraft Privilege

The following is an overview of your overdraft options.

  • SHARE TRANSFERS: This option protects you from returned items or declined transactions as long as you have the funds in your savings account to cover your purchase. There is no cost to use this option, no limit to the number of times a share transfer may be made and only the amount needed to clear the item is used.
  • OVERDRAFT LINE OF CREDIT: To avoid returned items or declined transactions, opt to implement an overdraft line of credit. This coverage kicks in when there aren’t enough funds in either your checking or your savings account to cover your transaction. There is no fee to use this option, but you will need to complete a loan application. Simply pay interest on the amount used to clear your items.
  • OVERDRAFT PRIVILEGE*: We may authorize and pay overdrafts for the following types of transactions.
    • ACH
    • Checks
    • Other transactions made using your checking account
    • Recurring online bill payments initiated with your debit card

You also have the option to request authorization and payment of overdrafts for the following transaction types when you choose additional coverage:

    • ATM transactions
    • Everyday debit card transactions

*Each use of the overdraft privilege results in a non-sufficient funds fee, and the overdraft must be repaid within 30-days of use. This privilege may be revoked at any time. Overdrafts are paid at the credit union’s discretion, which means we do not guarantee all transactions will be authorized and paid. If we do not authorize and pay an overdraft, your transaction will be declined.