Fran is available to assist all day, every day, 24/7. If Fran cannot assist with your request during regular business hours, you can always speak to a representative. Over the phone, Fran will transfer you to a credit union representative trained to help with your questions. Via chat, Fran will provide you with a link to live chat. If Fran cannot assist you outside of regular business hours, she will provide additional contact options depending on the situation, such as contacting the Call Center or sending an eMessage.