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

Opt in or opt out of Courtesy Pay at any time and as often as you’d like:

1. Log in to the Mobile App or Online Banking
2. Click More
3. Click Courtesy Pay

Create peace of mind with Courtesy Pay, even if you think you’ll never overdraw your account. Whether you overestimated your account balance or swiped your debit card before you reviewed the total, we offer coverage to protect your account.

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.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。

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

You can access our Membership Agreement and 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 Your Choice Checking Account and meet the monthly qualifications to have up to $20 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 或 业务范围 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 Your Choice 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.*

细则

*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

网上银行
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 手机应用¹ 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 电子文件 widget in online banking.

Once you enroll in e-statements, your e-statement library will store the last 24 months’ worth of e-statements.

The debit card transactions must be signature-based, also known as swipe and sign. If you used your PIN, it will not be counted toward your 15 transactions, nor will the purchase amount be applied towards the cash back reward.

Yes, your joint accountholder’s Visa^® debit card swipe-and-sign purchases count toward your 15 transactions. Your cumulative purchase amounts will count toward your monthly cash back reward, up to $10 per month.

If you have selected high-yield, dividends will be included in your annual tax statement. Cash back and ATM rewards are not taxable.

Yes, you may change your reward feature at any time by contacting us or visiting your 当地分公司.

When you select credit, the merchant will require a signature for your purchase. When you select debit, the merchant will require you to enter a PIN for your purchase.

We recommend that you select the credit option instead of debit. Here’s why:

• Protection: Your purchases are protected by Visa’s rules and regulations that allow you to dispute charges improperly processed by merchants.
• Rewards: A minimum of 15 credit transactions is necessary to earn your monthly Your Choice Checking Account rewards.
• Lower costs: We pay fewer fees per transaction, which lowers our costs. By selecting credit, you’ll help the ACFCU provide lower loan rates and higher yields on savings accounts.
• Purchase detail: More detailed merchant information is available on your statement and in 网上银行 when your purchases are processed as credit.

With any debit or credit cards, ACFCU offers enhanced fraud protection, with automated ways for you to receive notifications and check on suspicious activity by call, text or email.

There are three ways to reorder checks:

1. Via 网上银行

2. Call Access24 at 703.526.0200 x1

3. Visit your 当地分公司

4. Place other reorders 此处

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