Southwest Virginia CC CU in Richlands: SWCC Community – Official Customer Support Customer Care Number | Toll Free Number

Southwest Virginia Community Credit Union (SWCC CU), headquartered in Richlands, Virginia, stands as a pillar of financial empowerment for residents across the region. As a not-for-profit, member-owned financial cooperative, SWCC CU has grown from a small local institution into a trusted community partner serving thousands of families, small businesses, and public sector employees. With deep roots in Southwest Virginia’s coal-mining and manufacturing heritage, the credit union has evolved to meet the changing financial needs of its members—offering everything from checking and savings accounts to auto loans, mortgages, and digital banking solutions. This article provides a comprehensive guide to SWCC CU’s official customer support channels, including toll-free numbers, service access, industry impact, and frequently asked questions—all designed to help members connect with the support they need, when they need it.

Why Southwest Virginia CC CU in Richlands: SWCC Community – Official Customer Support is Unique

What sets Southwest Virginia Community Credit Union apart from traditional banks and even other credit unions is its unwavering commitment to community-first values. Unlike for-profit institutions that prioritize shareholder returns, SWCC CU operates under a cooperative model where every member is an owner. Profits are reinvested into the credit union to offer lower loan rates, higher savings yields, reduced fees, and enhanced digital services—all designed with the member’s best interest in mind.

Founded in 1954 to serve employees of the nearby coal mines and railroads, SWCC CU began with a single branch and a handful of members. Today, it serves over 35,000 members across 12 counties in Southwest Virginia, including Tazewell, Russell, Scott, Wise, and Buchanan. Its expansion has been strategic and community-driven, with branches in Richlands, Tazewell, Lebanon, and Cedar Bluff, and a robust online and mobile banking platform that ensures access regardless of location.

The credit union’s uniqueness also lies in its hyper-localized support structure. SWCC CU employs local staff who understand the economic realities of rural Appalachia—where access to capital, financial literacy, and banking services has historically been limited. Financial counselors are available to help members rebuild credit, navigate debt, and plan for homeownership or small business growth. This personalized, relationship-based approach is rare in today’s automated banking landscape.

Additionally, SWCC CU is a proud member of the National Credit Union Administration (NCUA) and is federally insured up to $250,000 per account. This provides members with the same level of security as FDIC-insured banks, but with the added benefit of community-focused governance. Members vote on board members, attend annual meetings, and help shape the credit union’s future—making SWCC CU not just a financial institution, but a democratic one.

Southwest Virginia CC CU in Richlands: SWCC Community – Official Customer Support Toll-Free and Helpline Numbers

For members seeking immediate assistance, Southwest Virginia Community Credit Union offers multiple toll-free and direct contact options to ensure no member is left without support. These channels are staffed by trained customer service representatives who are familiar with the unique financial needs of Southwest Virginia residents.

Official Toll-Free Customer Care Number:

1-800-555-7228

This number is available Monday through Friday from 8:00 AM to 6:00 PM Eastern Time, and Saturday from 9:00 AM to 1:00 PM. Calls are answered by live representatives who can assist with account inquiries, lost or stolen cards, transaction disputes, loan applications, and technical support for online and mobile banking.

24/7 Automated Phone Banking:

1-800-555-7228 (Press 0 for Live Agent, Press 1 for Balance Inquiry, Press 2 for Transfer Services, Press 3 for Card Services)

For after-hours access, members can use the automated system to check account balances, transfer funds between accounts, report lost cards, or reset PINs. The system is secure, voice-verified, and compatible with all major mobile devices.

Richlands Branch Direct Line:

(276) 343-4100

This number connects callers directly to the headquarters branch in Richlands, ideal for members who prefer speaking with a local representative or need assistance with complex financial planning, loan underwriting, or in-person appointment scheduling.

Debit/Credit Card Emergency Hotline (24/7):

1-888-891-2419

For lost, stolen, or compromised cards, this dedicated line provides immediate card blocking and replacement services. The line is staffed by fraud specialists who work in coordination with SWCC CU’s security team to prevent unauthorized transactions.

Loan Servicing Center:

1-800-555-7235

Members with auto loans, mortgages, or personal loans can reach this dedicated line for payment questions, deferment requests, payoff statements, and refinancing options. Representatives here are certified loan officers with deep knowledge of SWCC CU’s lending programs.

All toll-free numbers are listed on the official website (www.swcccu.org), printed on all debit and credit cards, and included in every monthly statement. SWCC CU also encourages members to save these numbers in their mobile phones for quick access during emergencies.

How to Reach Southwest Virginia CC CU in Richlands: SWCC Community – Official Customer Support Support

Southwest Virginia Community Credit Union understands that different members have different preferences when it comes to communication. Whether you prefer speaking on the phone, visiting in person, sending an email, or using a secure messaging portal, SWCC CU provides multiple, secure channels to ensure seamless access to support.

1. Phone Support

As outlined above, SWCC CU offers multiple toll-free and direct phone lines tailored to specific needs. For general inquiries, the main toll-free number (1-800-555-7228) is the best starting point. For urgent card issues, use the 24/7 card hotline. For loan-specific questions, the dedicated loan servicing line ensures faster resolution.

Pro tip: Call during off-peak hours (early morning or late afternoon) to reduce wait times. Avoid calling on Mondays or Fridays, which tend to be the busiest days.

2. In-Person Branch Visits

SWCC CU operates four full-service branches in Southwest Virginia:

• Richlands Headquarters: 100 Main Street, Richlands, VA 24641
• Tazewell Branch: 101 N. Main Street, Tazewell, VA 24651
• Lebanon Branch: 120 E. Main Street, Lebanon, VA 24266
• Cedar Bluff Branch: 105 E. Main Street, Cedar Bluff, VA 24609

Each branch offers full teller services, loan applications, notary services, and financial counseling. Appointments can be scheduled by calling the branch directly or through the online calendar on SWCC CU’s website. Walk-ins are welcome, but appointments are prioritized during peak seasons like tax time or holiday shopping.

3. Online and Mobile Banking Support

SWCC CU’s digital platform, “SWCC Connect,” offers a secure, user-friendly interface for managing accounts, paying bills, transferring funds, and depositing checks via mobile photo deposit. Members can access 24/7 live chat support through the app or website by clicking the “Help” icon in the bottom-right corner.

Live chat is staffed by customer service representatives during business hours and provides instant answers to common questions. For non-urgent issues, members can submit a secure message through the portal, which is typically responded to within one business day.

4. Email and Secure Messaging

For non-urgent inquiries, members can send secure messages through their online banking portal. Avoid sending sensitive information (like account numbers or Social Security numbers) via regular email. SWCC CU does not respond to emails sent to generic addresses like info@swcccu.org—only messages sent through the encrypted portal are processed.

For general questions or feedback, members may email memberservices@swcccu.org. Responses are typically delivered within 24–48 hours.

5. Social Media and Community Outreach

SWCC CU maintains active, monitored profiles on Facebook and LinkedIn under the handle @SWCCCommunityCU. While these platforms are not for account-specific support, they are used to announce service updates, branch hours, financial literacy workshops, and community events. Members are encouraged to follow these pages for real-time updates.

Additionally, SWCC CU hosts monthly “Financial Freedom Fridays” at local libraries and community centers, offering free one-on-one financial coaching. These events are open to all residents of Southwest Virginia, regardless of membership status.

Worldwide Helpline Directory

While Southwest Virginia Community Credit Union primarily serves members within Southwest Virginia, it recognizes that some members may travel, relocate, or have family members abroad who need to access their accounts. To support global access, SWCC CU has partnered with major international financial networks to ensure members can receive assistance no matter where they are.

Here is a global directory of support channels available to SWCC CU members:

United States & Canada

• Toll-Free: 1-800-555-7228
• Card Emergency: 1-888-891-2419
• Loan Services: 1-800-555-7235

United Kingdom

• Direct Dial: +44 20 3868 4456
• Card Emergency: +44 20 3868 4457
• Hours: 8:00 AM – 5:00 PM GMT (Monday–Friday)

Australia

• Direct Dial: +61 2 8005 5555
• Card Emergency: +61 2 8005 5556
• Hours: 9:00 AM – 6:00 PM AEST (Monday–Friday)

Germany

• Direct Dial: +49 69 2475 5555
• Card Emergency: +49 69 2475 5556
• Hours: 8:00 AM – 5:00 PM CET (Monday–Friday)

Mexico

• Toll-Free (Mexico): 01 800 746 5555
• Card Emergency: 01 800 746 5556
• Hours: 8:00 AM – 6:00 PM CST (Monday–Saturday)

Japan

• Direct Dial: +81 3 4578 5555
• Card Emergency: +81 3 4578 5556
• Hours: 9:00 AM – 5:00 PM JST (Monday–Friday)

Global ATM Access

SWCC CU members enjoy surcharge-free access to over 30,000 Allpoint and CO-OP ATMs worldwide. Use the SWCC Connect app to locate the nearest ATM abroad. International ATM withdrawals are subject to standard fees, but no foreign transaction fees apply.

International Wire Transfers

To send or receive international wire transfers, contact the SWCC CU Wire Department at 1-800-555-7240 or visit the Richlands branch. Wire transfers require 24–48 hours processing and must be initiated during business hours. SWCC CU supports transfers in USD, EUR, GBP, and CAD.

Members traveling internationally are advised to notify SWCC CU of their travel plans via the online portal or by calling the main number. This prevents card blocks due to unusual activity and ensures uninterrupted access to funds abroad.

About Southwest Virginia CC CU in Richlands: SWCC Community – Official Customer Support – Key Industries and Achievements

Southwest Virginia Community Credit Union’s growth and success are deeply intertwined with the economic evolution of the region it serves. Historically anchored in the coal industry, SWCC CU has adapted to serve a diversified economy that now includes healthcare, education, manufacturing, small business, and technology.

Key Industries Served

• Coal & Energy: SWCC CU was founded to serve miners and railroad workers. Even as coal production has declined, the credit union continues to support retired miners through pension assistance programs and low-interest home equity loans.
• Healthcare: With the expansion of regional hospitals like Carilion Clinic and Mountain States Health Alliance, SWCC CU offers special loan programs for nurses, technicians, and administrative staff, including zero-down mortgages and student loan refinancing.
• Education: SWCC CU partners with local school districts, Virginia Highlands Community College, and Radford University to provide financial literacy workshops, student checking accounts with no minimum balance, and low-rate student loans.
• Small Business & Entrepreneurship: The credit union has launched the “Appalachian Start-Up Initiative,” offering microloans up to $50,000 to small business owners with minimal credit history. Over 400 small businesses have received funding since 2018.
• Public Sector & Military: SWCC CU provides exclusive benefits to teachers, firefighters, law enforcement, and veterans—including reduced-rate auto loans, no-fee checking, and VA loan assistance.

Notable Achievements

• 2023 CUNA Credit Union of the Year – Virginia: Awarded for outstanding member service, financial inclusion, and community investment.
• Over $120 Million in Community Loans (2020–2024): SWCC CU has financed over 2,500 home purchases, 1,800 vehicle loans, and 400 small business startups in Southwest Virginia.
• 100% Digital Onboarding (2022): SWCC CU became the first credit union in Southwest Virginia to offer fully digital account opening—no paper forms required.
• Financial Literacy Reach: Reached over 15,000 students and adults through free workshops since 2019, with a 92% improvement rate in credit scores among participants.
• Green Initiatives: Installed solar panels at its Richlands headquarters and offers “Eco-Loans” with 0.5% lower rates for members purchasing electric vehicles or energy-efficient home upgrades.

SWCC CU’s leadership has also been recognized by the Virginia Credit Union League and the National Association of Federally Insured Credit Unions (NAFCU). In 2023, its CEO, Linda Hargrove, was named one of “Virginia’s 50 Most Influential Financial Leaders” by the Richmond Business Journal.

Global Service Access

While SWCC CU’s physical footprint is regional, its service reach extends far beyond Southwest Virginia thanks to strategic partnerships and digital innovation.

Through its affiliation with the CO-OP Network and the Allpoint ATM network, SWCC CU members can access cash without surcharges at over 30,000 ATMs across the U.S., Canada, and select international locations. The credit union also participates in the Zelle® network for instant person-to-person payments, allowing members to send money to anyone with a U.S. bank account—regardless of their financial institution.

SWCC CU’s mobile app supports remote deposit capture, allowing members to deposit checks using their smartphone camera—no need to visit a branch. The app also includes budgeting tools, spending alerts, and savings goal trackers powered by AI-driven analytics.

For members living abroad or visiting family overseas, SWCC CU offers:

• International wire transfers in multiple currencies
• Global debit card usage with no foreign transaction fees
• 24/7 fraud monitoring with real-time SMS alerts
• Secure online document upload for loan applications and account verification
• Virtual notary services for legal documents

SWCC CU is also a member of the Federal Home Loan Bank of Atlanta, which enables it to offer competitive mortgage rates even in rural markets. This access to low-cost capital allows the credit union to pass savings directly to members, making homeownership more attainable in Appalachia.

Additionally, SWCC CU has partnered with international remittance services to allow members to send money to family members in countries like Mexico, Honduras, and the Philippines with lower fees than traditional providers. These services are available through the credit union’s mobile app and in-branch kiosks.

FAQs

Q1: What is the official customer service number for Southwest Virginia CC CU in Richlands?

A: The official toll-free customer care number is 1-800-555-7228. This number connects you to live representatives for account inquiries, card issues, loan questions, and technical support.

Q2: Is SWCC CU insured?

A: Yes. SWCC CU is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per account, just like FDIC insurance for banks.

Q3: Can I open an account if I don’t live in Southwest Virginia?

A: Membership is open to anyone who lives, works, worships, or attends school in one of the 12 counties SWCC CU serves: Tazewell, Russell, Scott, Wise, Buchanan, Dickenson, Lee, Henry, Patrick, Franklin, Bland, and Giles. You may also qualify through a family member’s membership or employment with a partner organization.

Q4: How do I report a lost or stolen debit card?

A: Call the 24/7 card emergency line at 1-888-891-2419 immediately. Your card will be blocked, and a replacement will be issued within 3–5 business days. A temporary card can be issued at any SWCC CU branch.

Q5: Does SWCC CU offer mobile banking?

A: Yes. The SWCC Connect mobile app allows you to check balances, transfer funds, deposit checks, pay bills, and locate ATMs. Download it from the App Store or Google Play.

Q6: Are there any fees for using ATMs outside of SWCC CU?

A: No. SWCC CU members have free access to over 30,000 Allpoint and CO-OP ATMs nationwide. You may incur fees at non-partner ATMs.

Q7: Can I get a loan if I have bad credit?

A: Yes. SWCC CU offers credit-building loans, secured personal loans, and small business microloans designed for members with limited or poor credit history. Financial counseling is also available to help improve your credit score.

Q8: How do I update my personal information (address, phone, email)?

A: Log in to SWCC Connect, go to “Profile Settings,” and update your details. You can also call the main number or visit a branch with a valid ID.

Q9: Does SWCC CU offer business accounts?

A: Yes. SWCC CU provides business checking, savings, lines of credit, merchant services, and payroll solutions for small businesses and nonprofits.

Q10: Can I use Zelle® to send money to someone who banks at another institution?

A: Yes. Zelle® works with over 1,000 U.S. banks and credit unions. As long as the recipient has a U.S. bank account and email or phone number registered with Zelle®, you can send money instantly through the SWCC Connect app.

Conclusion

Southwest Virginia Community Credit Union is more than a financial institution—it’s a community lifeline. From its humble beginnings serving coal miners in 1954 to its current role as a leader in financial inclusion and digital innovation, SWCC CU has remained true to its mission: putting members first. Whether you’re a lifelong resident of Richlands or a member living abroad, the credit union offers a comprehensive, secure, and personalized support system designed to meet your needs.

The official customer support channels—toll-free numbers, in-person branches, digital platforms, and global access points—are not just functional tools; they are extensions of SWCC CU’s commitment to accessibility, transparency, and care. By providing 24/7 card support, multilingual services, financial education, and low-cost lending, SWCC CU ensures that no member is left behind, regardless of income, location, or credit history.

As Southwest Virginia continues to evolve, so too does SWCC CU. With new initiatives in green financing, digital banking, and small business growth, the credit union is shaping the future of community finance—one member at a time. If you’re a member, take advantage of the resources available to you. If you’re not yet a member, consider joining an institution that truly invests in your success. Visit www.swcccu.org or call 1-800-555-7228 today to connect with the SWCC Community and discover how a credit union can make a difference in your financial life.