Your not-for-profit, member-owned Cooperative cannot extend credit to you without utilizing your Social Security Number (SSN) or other valid Federal ID Number (FEIN) for a “soft” credit check. This soft credit check does not affect your credit score. Your SSN/FEIN card may be required through this process.
We understand the reservations you may have about providing your Social Security Number (SSN) or other valid Federal ID Number. When you request electric service, you apply for credit. Your not-for-profit, member-owned electric cooperative sends you a bill each month for the electricity you’ve already used. That means your Co-op is extending credit until you pay your bill.
To help verify applicant identities, prevent identity theft, and evaluate whether a security deposit is required, Flathead Electric Cooperative requires an SSN from individual applicants or an FEIN from business applicants when establishing service. FEC may use this information to obtain a utility credit report. This is a soft inquiry and does not affect the applicant’s credit score.
As a member, your privacy is our top priority, and your information is handled with the utmost confidentiality. Thank you for helping your Co-op comply with this federal regulation, and for helping to protect the identities of all Flathead Electric Cooperative members.
A deposit may be required for any account. Deposit amounts are based on the estimated electric service load and may be assessed based on credit risk according to our Credit Risk Administrative Policy (MS 120).
If a deposit is required, it will be refunded after one full year of on-time payments. If you end your Co-op membership with a deposit on file, it will be used to cover any outstanding balances, and if there is a remainder, it will be refunded to you.
If you are a residential member and choose to enroll in our Flex Pay program, a deposit is not required.