Yes. ACFCU can cover overdrafts in two different ways:
Courtesy Pay covers the following types of transactions:4
We also offer a $30 grace allowance. That means no fees for debit card transactions if your overdrawn balance is less than $30.2
If you have electronic payments, withdrawals or deposits being made to your account from a merchant or other financial institution (like payroll deposits or utility bill payments), notify that merchant or institution of your account number and ACFCU’s ABA routing number: 256078404.
You can transfer between your ACFCU account and external accounts for free (subject to a fee for insufficient funds) by following these easy steps:
1. You’ll need:
2. Follow the instructions on our step-by-step ACH Origination Setup guide.
Yes, to wire money to your ACFCU account, simply provide the other institution with these instructions:
To modify an Alert, follow the instructions above.
To delete an Alert, follow steps 1-6 and slide the button to OFF.
There are three ways to avoid the ATM fees:
You can avoid the monthly maintenance fee three ways:
1. Maintain a combined loan and deposit amount of $1,000
2. Actively use a Free Rewards Checking Account
3. We waive the fee for members under age 21 or over age 55
No, we don’t penalize you for paying off loans early. If we paid any fees on your behalf for closing the loan or provided a cash back incentive, those amounts must be paid back if you close your loan within 36 months of opening the loan. The amount owed will be included in your loan payoff amount.*
It’s easy and quick to update and verify your info. Follow these simple instructions for Online Banking (desktop) or Mobile App (iOS or Android).
Mobile App (iOS)
1. Log in to the Mobile App
2. Go to More
3. Go to Others
4. Go to Settings
5. Go to Contact
6. Add or update your phone numbers, email address and preferences
7. Confirm your phone number by answering the security questions or entering a code from your email
Mobile App (Android)
1. Log in to the Mobile App
2. Go to the hamburger menu (three lines in the top left)
3. Go to Settings
4. Go to Contact
5. Add or update your phone numbers, email address and preferences
6. Confirm your phone number by answering the security questions or entering a code from your email
1. Log in to Online Banking
2. Go to Settings (top right)
3. Go to Contact
4. Add or update your phone numbers, email address and preferences
5. Confirm your phone number by answering the security questions or entering a code from your email
You will receive monthly statements if you have an active checking account or loan. Otherwise, you will receive quarterly statements. The statement cycle runs from the first day of the month to the last day of the month. If you’re enrolled in e-statements, you’ll receive an email when your e-statement is available.
You can access your e-statements by clicking on the eDocs widget in online banking.
Once you enroll in e-statements, your e-statement library will store the last 24 months’ worth of e-statements.
Applying for a new mortgage or refinancing your current one? Reference this convenient mortgage application checklist to find out what forms you need to keep the process moving.
Don’t know your amortization from your recission? No worries! Our glossary of mortgage terms will break down everything you need to know and help you sound like a pro.
We’ve compiled our top 10 tips when applying for a mortgage to help make you a strong applicant so you can finance your dream home.
Buying or refinancing a home can feel overwhelming and confusing, but with our guide to understanding the mortgage process, it doesn’t have to be.
Prepare to complete your home equity loan application by ticking the boxes on our home equity application checklist.
Requesting a Subordination is easy, follow the steps in the subordination agreement instructions.
Get fast answers to all of your most pressing home equity questions in our FAQ payment and statements guide.
Understanding how to access your home equity line of credit has never been easier with our FAQ accessing line of credit guide.
Mail: 7-10 business days
In-person: Instant issue option
Eligible to start accumulating transactions right away (right after checking account has been opened or converted from a basic checking) and the rewards are applied to the account at the end of the month. If the checking account is closed before the end of the month, then the reward is not applied. Member can use the rewards check-in widget in OLB and mobile app to track their progress.
Overdrafts won’t impact rewards.
Can overdraft account:
None for the Free Rewards Checking. Basic Checking may be assessed the express fee if requirements are not met.
Brand new members: Can open in person at the branch or online.
Existing members: Can open in person at the branch, online, or over the phone at 703.526.0080 x4.
No, that main credit card is a holding place for the funds. To make transfers you must go to the Transfers screen, select the credit card as the “From” account and then select a share for the “To” account.
The Business Cardholder has an assigned credit card given to them by the Business Administrator. They cannot request a limit increase, report a card lost or stolen, etc. Any maintenance requests must be submitted by the Guarantor. If you are the guarantor, please contact card holder services at 800-637-7728 .
Only the Guarantor can file a dispute. They will need to contact Card Holder Services at 800-637-7728.
Only the Guarantor can file a fraud claim. They will need to contact Card Holder Services at 800-637-7728.
Call PIN now at 800.631.3197, enter EIN and business phone number.
No, personal accounts will remain separate from business accounts.
On the 25th of the following month.
1. Log in to your online banking account from your computer and go to the eDocs widget
2. Click on Overview
3. Click on the subscriptions setting caret: V
4. Click on the gear wheel
5. Select subscribe!
In your online view, you can see your transactions only. The Business Administrator has access to view all of the transaction history and balances for all cardholders.
Contact your Guarantor.
Contact your Guarantor.
Contact your Business Administrator to unlock your online access.
As a full-service credit union, we’re a cooperative of members like you who know that by coming together, we can all benefit in our financial journey.
We’re here to help our members—and neighbors—meet their financial goals and live their best lives.
We think there’s nothing more rewarding than serving our members—and believe one good turn deserves another.
We not only meet your financial needs, we commit to being a good neighbor and serving with integrity.
1Data rates may apply.
2This only applies to debit card transactions. ACH transactions do not have the $30 grace before a fee is charged.
3A $30 fee is charged for each occurrence.
4ATM transactions, Everyday debit card transactions, and Point of Sale (POS) transactions require separate opt-in.
*If loan is paid off within 36 months of opening, the cash back or closing costs may be added to the pay off amount.