When I was with a smallish Credit Union (Langley Federal Credit Union) they would just have me write the note out, scan it and email it to them. Then I would ca

When I was with a smallish Credit Union (Langley Federal Credit Union) they would just have me write the note out, scan it and email it to them. Then I would call them about an hour later and it was authorized. They did charge a flat $12 fee.