Welcome new members!

We know that with any new financial relationship there is a lot to do, and a lot to learn. Take the guesswork out of getting started with ACFCU using this one-stop resource. Here you’ll find information on everything from getting into online banking to how to qualify for checking rewards. As always, we’re here for you if you have additional questions!

Thanks for joining the ACFCU family!

Chris Sundlof

Vice President of Member Experience

Enrolling in the Mobile App and Online Banking

Enrolling in the Mobile App and Online Banking is fast and easy. To get started you’ll need a few pieces of information:

  • Your ACFCU member number

  • Your Social Security Number or Tax Identification Number

  • At least 2 of the following:

    • Date of birth

    • Your email address with ACFCU

    • Your zip code

  1. On the website, begin by clicking on the red “Login” box on the top menu

  2. Select “Register”, then select “Individual” for your personal membership, or “Business” if it’s a business membership

  3. Read and agree to the terms

  4. Follow the prompts and enter your information carefully. Remember that if you are registering as an individual you will need to answer at least 2 questions from:

    1. Date of birth

    2. Your email address with ACFCU

    3. Your zip code

  5. Next, set up a username and password. We recommend you use all lower case letters for your username

  6. Next set up your security questions. Again we recommend all lower case answers

  7. Continue following the prompts and you’ll be all set!

  8. For Business memberships:

    1. Enter your Account/Member Number

    2. Your email address with ACFCU

    3. Your zip code

    4. Your EIN/TIN

Account Aggregation

Account aggregation steps - PDF

Enrolling in e-Statements

  • Log onto Online Banking

  • Click More... on the bottom of the left-hand side menu

  • Select the eDocs widget

  • Subscribe

  • Agree and enter the 5-digit code from the PDF (you have to open the PDF to ensure that you will be able to open future e-Statements)

Setting up Direct Deposit

Setting up direct deposit with your employer or anyone else is easy. To get started, you’ll need 2 things:

  1. ACFCU Routing Number: 256078404

  2. Share Account Number: This is the number for your specific savings or checking account where you want money deposited. It is not your member number. Your account number will be a 13 digit number. You can find the number for your savings or checking accounts in the following ways:

    1. Online Banking: Log into the Mobile App or Online Banking, select the account you want, then select “Account Details” on the top menu. Your direct deposit information will appear next to “ACCOUNT NUMBER”

    2. Request a Direct Deposit Form: When you opened your membership, we most likely included a direct deposit form in your new member packet. If you need a form, call us or visit one of our branches and any of our service experts can provide you with a direct deposit form with all the information you’ll need to get started

    3. Check Copies: You can obtain your checking direct deposit information by looking for the 13 digit number at the bottom of your check

How to Transfer Money

How do I set up automatic withdrawals, deposits, and payments from my account here?

To have electronic (ACH) payments, credits, or debits made to your account(s) from a merchant or other financial institution, (such as payroll deposits or utility bill payments), please securely notify that merchant or institution of your 13 digit account number and our ABA routing number: 256078404

How do I transfer money between my account here and my accounts elsewhere?

You can transfer money between your ACFCU accounts and your accounts with other banks and credit unions through our Mobile App and Online Banking. In boring banking terms we call this ACH, but what it means for you is freedom. All you'll need is your other financial institution's routing number and your account type (checking, savings, loan) and account number. Here’s how:

  1. In Online Banking, go to the Transfers widget

  2. Select the Classic Transfer tab

  3. Select the Add Account drop down box and select Another Bank

  4. For your security, you'll be asked to receive a verification code via email or to answer some of your account security questions

  5. Two micro deposits will then be sent to your other account to confirm that your money will go to the right place

  6. Check your other financial institution account(s) for the micro-deposits. Once the deposits arrive you can complete the setup and start moving your money

  7. If logging into Mobile Banking go to Settings, then Accounts. From there you can verify the micro-deposits for each external account

  8. If logging into Online Banking, you will notice a prompt asking you to confirm your pending external account(s). Select the prompt and you will be directed to Settings where you can verify the micro-deposits

Activating your Visa® Debit Card

  • When it will arrive? If you did not open your account in a branch, your Visa® Debit Card should arrive within 5-7 business days from when your checking account was opened. Once you receive the card, immediately call the number located on the decal. From there you will be able to activate and establish a custom PIN over the phone

    • Activation Number: 866-985-2273

  • How to change your PIN: If you just want to change your PIN, call the number below and follow the prompts. Make sure to call from the number we have on file for you. This will ensure we can verify you easily.

    • PIN Change Number: 866-985-2273

Setting Up Apple Pay and Other Digital Wallets

Earning Rewards for your Cash Back* or High Yield* Your Choice Checking Account

Qualifying for checking rewards is easy!

  • Make 15 swipe-and-sign debit card transactions

  • Receive e-Statements

  • Receive direct deposit or make an ACH withdrawal from your account

That’s it!

Here’s what you can expect:

  • You’ll receive your reward on the last day of the month1. We’ll also refund any ATM surcharge fees charged during that month up to $20** if you qualify for checking rewards

  • If you didn’t quite meet the requirements – no worries! There are no penalties. You’ll still receive 0.05% APY* on the average daily balance in Your Choice Checking account

  • Change your mind about your reward? No problem! Just give us a call: 703.526.0200 x3 to make the switch

In addition to your monthly reward, you’ll also receive many more benefits. Learn more about checking!

Ordering Checks

The first time you order checks (and any subsequent orders after a name or address change) the orders have to be placed by ACFCU for security purposes. You can call us at 703.526.0200 x3, or stop into one of the branches. Costs vary depending on the kind of checks you choose and the shipping costs. You can visit our website to reorder checks in the future should you need any more.

The Fine Print:

*Cash back is calculated based on the total dollar amount of qualifying debit card transactions. Maximum cash back is $10.

**APY = Annual Percentage Yield. APYs are accurate as of June 1, 2017, and are subject to change without notice. If qualifications are met each calendar month: 2.00% APY will be paid on average daily balances from $0.01 to $10,000 and 0.10% APY will be paid on all amounts above $10,000. For minimum requirements to be met, actions must be performed and must clear/post to the account during the qualification period. Transactions may take one or more banking days from the date the transaction was made to post and settle against your account. Swipe and Sign transactions must have cleared account by the end of the month. PIN-based transactions do not qualify. If you do not meet the requirements per calendar month, your account will still function as a free checking account and will earn the base rate of 0.05% APY; however, it will not receive ATM refunds for that period. For Personal Accounts only. Standard fees will apply to adverse action on the account such as overdraft, courtesy pay, and account inactivity for longer than 12 months. Fees may reduce earnings on the account. This only applies to debit card transactions. ACH transactions do not have the $30 grace before a fee is charged. Data rates may apply.

1. For minimum requirements to be met, actions must be performed and must clear/post to the account during the qualification period. Transactions may take one or more banking days from the date the transaction was made to post and settle against your account. Swipe and Sign transactions must have cleared account by the end of the month. PIN-based transactions do not qualify.

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