Have questions? You’ve come to the right place!

Yes. ACFCU can cover overdrafts in two different ways:

1. Courtesy Pay³ – If you qualify, you are automatically opted in. You can opt out via the Courtesy Pay Widget in the Mobile App¹ and Online Banking.
2. Overdraft Transfer – Such as a link to another account.

Courtesy Pay covers the following types of transactions:⁴

1. Checks, ACH and other transactions made using a checking account
2. Automatic bill payments
3. Recurring transactions set up using your debit card
4. ATM transactions
5. Everyday debit card transactions
6. Point of Sale (POS) transactions

We also offer a $30 grace allowance. That means no fees for debit card transactions if your overdrawn balance is less than $30.²

The Fine Print

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 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:

• The routing number of the other financial institution
• Your account type and number
• Access to your ACFCU online and/or mobile banking

2. Follow the instructions on our step-by-step ACH Origination Setup guide.

• Same-day transfers before 2 p.m. (EST) on valid business days, otherwise it will appear on the next business day
• Each transfer to or from your savings account will count toward monthly transaction limits
• Cancel pending transfers under the Scheduled Transfers feature

Yes, to wire money to your ACFCU account, simply provide the other institution with these instructions:

Incoming Wires

• Wire to: Arlington Community Federal Credit Union, ABA# 256078404
• Credit to: Your name and your 13-digit account number (found on the bottom of your checks or via online banking)

Outgoing Wires

• Can be requested online, in person, and via fax or email

1. Log in to Online Banking
2. Click on your name in the top right corner
3. From the drop-down menu click SETTINGS
4. Click NOTIFICATIONS
5. Under Accounts, click the SETTINGS icon to the right of Loan Payment Due Date
6. Slide the button to ON
7. Click SELECT AN ACCOUNT
8. Choose the Loan(s) and then choose the number of DAYS before and after the Due Date to receive an alert
9. Click SAVE
10.  Click the box to indicate which method to receive alert: EMAIL and/or MOBILE
11. Click SAVE CHANGES

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 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.

Submit an application online, by phone at 703-526-0200, or in person at one of our branches. We’ll need basic information about you and your income and an application can typically be completed in a few minutes.

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.

You can access our Privacy Policy online at any time.

There are three ways to avoid the ATM fees:

1. Use a fee-free Arlington Community FCU ATM
2. Open a Free Rewards Checking Account and meet the monthly qualifications to have up to $10 in ATM fees refunded monthly
3. Use one of nearly 30,000 Co-Op Network ATMs

When applicable, fees are assessed throughout the month and will appear on your regular monthly statement. View our Personal, Community or Business Fee Schedule.

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.*

The Fine Print

*If loan is paid off within 36 months of opening, the cash back or closing costs may be added to the pay off 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

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

• Log in to our mobile app¹ or online banking 
• Click Settings, then Contacts
• Change your personal information

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.