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常见问题解答

分支机构的信息,包括大厅和开车的时间,可以在以下网站找到 联系我们.

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管理我的钱

  • 我的支票账户是否提供透支保护选项?

    是的。ACFCU可以通过两种不同的方式支付透支。

    1. 礼貌性支付3 - 如果你符合条件,你会自动选择加入。你可以通过移动应用程序中的礼节性支付小工具选择退出。1 和网上银行。
    2. 透支转账 - 如链接到另一个账户。

     

    礼节性支付包括以下类型的交易。4

    1. 使用支票账户进行的支票、ACH和其他交易
    2. 自动支付账单
    3. 使用你的借记卡设置的重复交易
    4. ATM交易
    5. 日常借记卡交易
    6. 销售点(POS)交易

     

    我们还提供$30的宽限期。这意味着如果你的透支余额少于$30,借记卡交易就不收费。2

     

    细则
    1可能适用数据费率。
    2这只适用于借记卡交易。ACH交易在收取费用之前没有$30的宽限期。
    3每次发生都要收取$30的费用。
    4ATM交易、日常借记卡交易和销售点(POS)交易需要单独选择。
  • 我如何为我的ACFCU账户在外部设置自动存款或提款?

    如果您有电子付款、提款或存款从商家或其他金融机构进入您的账户(如工资存款或水电费付款),请通知该商家或机构您的账户号码和ACFCU的ABA路由号码:256078404。

  • 我如何管理我的ACFCU账户的自动存款或提款?

    您可以通过以下简单的步骤在您的ACFCU账户和外部账户之间免费转账(资金不足的情况下需要收费)。

    1.你需要:

    • 其他金融机构的路由号码
    • 您的账户类型和号码
    • 访问您的ACFCU在线和/或手机银行业务。

     

    2.按照我们的指示一步步进行 ACH发起设置指南.

    • 在有效工作日下午2点(美国东部时间)之前进行当日转账,否则将在下一个工作日出现。
    • 每次转入或转出您的储蓄账户都将计入每月交易限额。
    • 在 "预定转让 "功能下取消待定转让。
  • 你们是否提供电汇?

    是的,要向您的ACFCU账户汇款,只需向其他机构提供这些指示。

    进线

    • 电汇至阿灵顿社区联邦信贷联盟,ABA# 256078404
    • 贷记给。你的名字和你的13位数字的账号(在你的支票底部或通过网上银行找到)。

     

    出线

    • 可以在网上、当面、以及通过传真或电子邮件提出申请
  • 我如何设置贷款支付的电子提示?
    1. 登录网上银行
    2. 点击右上角的你的名字
    3. 从下拉菜单中单击 "设置"。
    4. 单击 "通知"。
    5. 在 "账户 "下,点击 "贷款支付到期日 "右侧的 "设置 "图标。
    6. 滑动按钮到ON
    7. 单击 "选择一个账户"。
    8. 选择贷款,然后选择到期日前后的天数,以收到警报。
    9. 单击 "保存"。
    10.  点击方框,表明接收警报的方式:电子邮件和/或手机。
    11. 单击 "保存更改"。

     

    要修改一个警报,请按照上面的说明进行。

    要删除一个警报,请按照步骤1-6进行操作,并将按钮滑到 "关闭"。

  • What are the requirements when creating a username for Online and Mobile Banking?

    Usernames must be alphanumeric and between eight and 15 characters. Old usernames cannot be reused.

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个人贷款

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协议、费用和罚金

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我的账户详情和报表

  • 我怎样才能更新和验证我的联系信息?

    更新和验证您的信息是很容易和快速的。请按照这些简单的指示使用网上银行(桌面)或移动应用程序(iOS或Android)。

    移动应用程序(iOS
    1.登录到移动应用程序
    2.转到更多
    3.去找别人
    4.转到设置
    5.转到联系
    6.添加或更新你的电话号码、电子邮件地址和偏好
    7.通过回答安全问题或输入电子邮件中的代码确认你的电话号码。

    移动应用程序(安卓
    1.登录到移动应用程序
    2.进入汉堡包菜单(左上方的三行)。
    3.转到设置
    4.转到联系
    5.添加或更新你的电话号码、电子邮件地址和偏好
    6.通过回答安全问题或输入电子邮件中的代码确认你的电话号码。

    网上银行
    1.登录网上银行
    2.进入设置(右上方)。
    3.转到联系
    4.添加或更新你的电话号码、电子邮件地址和偏好
    5.通过回答安全问题或输入电子邮件中的代码确认你的电话号码。

  • 我怎样才能更新我的电子邮件或街道地址?
  • 我什么时候能收到我的报表?

    如果你有一个有效的支票账户或贷款,你会收到月度报表。否则,你将收到季度对账单。对账单周期从每月的第一天到最后一天。如果你是 注册了电子结单当你的电子账单可用时,你会收到一封电子邮件。 

  • 我如何获取电子账单?

    你可以通过点击以下链接访问你的电子账单 电子文件 网上银行中的小工具。

  • 我的电子账单库中会有多少个月的电子账单?

    一旦您注册了电子账单,您的电子账单库将存储过去24个月的电子账单。

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抵押贷款和房屋净值

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免费奖励支票账户

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商业信用卡

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Savvy Money

  • Is Savvy Money free?

    Yes! Savvy Money is a free service available in Online Banking and Mobile.

  • Will enrolling or accessing Savvy Money affect my credit and potentially lower my score?

    No! Checking credit scores on Credit Score is a “soft inquiry” that does not affect credit score.

  • What scoring model does Savvy Money use?

    Vantage 3.0

    Please note that Vantage Score and FICO scores may be different and may result in different credit tiers/rates.

  • What bureau does Savvy Money pull credit profiles from?

    环联公司

  • How is my privacy protected through this credit monitoring service?

    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.

  • Can the credit score in Savvy Money differ from other credit monitoring apps or loan applications?

    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.

  • Why is my credit score different in Credit Score than the score on my loan application?

    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.

  • What if I see an error on my credit report?

    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.

  • Can I download my credit report in Savvy Money?

    Yes! On the Credit Report page, click “Download Report” in the top right corner.

  • When does my status change to inactive in Savvy Money?

    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.

  • Can I unenroll from Savvy Money?

    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.

  • Can I receive alerts from Savvy Money?

    You can receive credit alerts, monthly notices, and general messages from Credit Score.

  • Can I turn off email notifications 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.

  • Who responds to the questions Contact Us option?

    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.

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通过我们的移动应用程序,随时随地管理您的资金。

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为什么选择阿灵顿

作为一个提供全方位服务的信用社,我们是一个像您一样的会员的合作组织,我们知道,通过团结一致,我们都可以在我们的财务旅程中受益。

金融赋权

我们在这里帮助我们的会员和邻居实现他们的财务目标,过上最好的生活。

奖励体验

我们认为,没有什么比服务于我们的会员更有意义的了,并且相信一次好的转变值得另一次。

诚信至上

我们不仅满足您的金融需求,还承诺做您的好邻居,诚信服务。