Branch information, including lobby and drive-up hours, can be found on Contact Us.
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
Online Banking
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.
Click on your device for instructions to add your card to your mobile wallet.
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:
Incoming Wires
Outgoing Wires
To modify an Alert, follow the instructions above.
To delete an Alert, follow steps 1-6 and slide the button to OFF.
Usernames must be alphanumeric and between eight and 15 characters. Old usernames cannot be reused.
You can access our Privacy Policy online at any time.
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.*
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.
You must be a member or qualify for membership in ACFCU and your membership must be established before any loan can be issued.
We offer personal loans from $1,000 to $50,000, subject to credit and income qualifications.
Just about anything! Personal loans are great for consolidating debts or financing a household expenses at a lower interest rate than a credit card.
Once your application is approved and any supporting documents (such as verification of your income, if needed) have been provided, you can sign your loan documents electronically and have the funds in a matter of hours.
Personal loans do not require collateral; however, if you do have collateral, like a paid-off vehicle, you may be able to qualify for a larger loan at a lower rate using your collateral.
Yes! You are welcome to make larger or additional payments at any time. There is no penalty for paying early and you’ll save money in interest over the life of the loan. Just remember that you have to make each scheduled payment when it is due, even if you previously made a larger payment.
Yes, we offer convenient and affordable payment protection options that protect you and your loved ones in the event of disability or death of a covered borrower.
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.
Yes! Savvy Money is a free service available in Online Banking and Mobile.
No! Checking credit scores on Credit Score is a “soft inquiry” that does not affect credit score.
Vantage 3.0
Please note that Vantage Score and FICO scores may be different and may result in different credit tiers/rates.
TransUnion
To enroll, you first must be logged in to our secure online banking or mobile platform. Your credit information is never shared with third parties.
Yes. Three major credit reporting bureaus—Equifax, Experian, and Transunion—and two scoring models—FICO or VantageScore—determine credit scores. Financial institutions/lenders use different bureaus, as well as scoring models. Over 200 factors of a credit report may be considered when calculating a score, and each model may weigh credit factors differently. Hence, no scoring model is completely identical but should directionally be similar.
Savvy Money is a credit monitoring tool we provide to you at no cost to learn more about how your financial decisions impact your credit score. You can expect your score to be different because we consider additional credit factors in your loan application that are not available in this tool that may result in a different score.
Credit monitoring tools like Savvy Money use scoring models like Vantage Score 3.0 to display your credit details. There are additional credit factors we consider when reviewing your loan application by using a FICO scoring model. The use of different scoring models is why you see a difference in your scores.
No scoring models are identical but are directionally the same. If your score goes up based on your credit activity in Savvy Money, you might see an increase in the scores we pull for loan applications as well.
If you find incorrect information in your credit report, contact the company that issued the account or the credit reporting company that issued the report.
There is also more information on how to resolve these types of issues in the FAQ section under Resources.
Yes! On the Credit Report page, click “Download Report” in the top right corner.
If you do not log in to online or mobile banking for 120 days, your Money Savvy will go inactive, and you will be unenrolled. To re-enroll, follow the normal enrollment procedures to regain access to your profile information.
Yes. On the Resources tab, select “Profile Settings”, scroll to the very bottom and select “Deactivate Credit Score Account.” Once unenrolled, you can choose to reenroll at any time through online or mobile banking.
You can receive credit alerts, monthly notices, and general messages from Credit Score.
Yes. You can manage your email notifications by navigating to the Resources Tab, selecting “Profile Settings”, and changing their preferences under Email Notifications. You can also change your subscription settings at the bottom of emails you receive.
Savvy Money will answer general questions related to credit scores and their site. Any specific credit union questions will be redirected to our Digital Banking team.
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.