有问题吗？你来到了正确的地方!

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（右上角）。
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。

• 登录到我们的 手机应用¹ 或网上银行 
• 点击 设置，那么 联系我们
• 改变你的个人信息

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。 

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。

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。

Click on your device for instructions to add your card to your mobile wallet.

• 苹果支付^® 设置教程
• 谷歌支付^TM 设置教程
• 三星^® 支付设置教程

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。

³Overdraft fees must be repaid within 45 days. A $30 fee is charged for each occurrence.

⁴ATM交易、日常借记卡交易和销售点（POS）交易需要单独选择。

⁵Apple、Apple标志、iPhone和iPad是Apple Inc.的商标，已在美国和其他国家注册。App Store是Apple Inc.的服务商标。Android是Google Inc.的商标，在美国和其他国家注册。可能需要支付数据费用。

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。

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取费用）。

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。

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

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。

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

你可以访问我们的 隐私政策 随时在线。

有三种方法可以避免ATM机的费用。

1. 使用免收费用的 阿灵顿社区FCU自动提款机
2. 打开一个 免费奖励支票账户 并符合每月返还高达$10的ATM费用的资格。
3. 使用一个几乎 30,000台Co-Op网络ATM机

在适用的情况下，费用在整个月内评估，并将出现在你的定期月结单上。查看我们的 个人。 社区 或 创业公司ǞǞǞ 收费标准。

你可以通过三种方式避免每月的维护费。

1. 保持$1,000的综合贷款和存款金额

2.积极使用 免费奖励支票账户

3.我们对21岁以下或55岁以上的会员免收费用。

不，我们不会因为你提前清偿贷款而惩罚你。如果我们为你关闭贷款支付了任何费用，或提供了现金返还奖励，如果你在开设贷款后36个月内关闭贷款，这些金额必须偿还。所欠的金额将包括在你的贷款清偿金额中*。

细则

*如果贷款在开业后36个月内还清，现金返还或过户费用可以加到还清金额中。

邮寄。7-10个工作日

亲临现场。即时签发选项

有资格立即开始累积交易（在支票账户开立或从基本支票转换后立即开始），奖励在月底应用到账户中。如果支票账户在月底前被关闭，那么奖励就不会被应用。会员可以使用OLB和移动应用程序中的奖励签到小工具来跟踪他们的进展。

透支不会影响奖励。

可以透支账户。

1. 礼貌性支付¹
2. 透支转账

细则

¹Overdraft fees must be repaid within 45 days. A $30 fee is charged for each occurrence.

免费奖励支票没有。如果不符合要求，基本支票可能会被收取快递费。

全新的会员。可以亲自到分行或在网上开通。

现有的会员。可以亲自到分行开立，也可以在网上开立，或通过电话开立 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.

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.

申请新的抵押贷款或为你目前的抵押贷款再融资？请参考这个方便的 抵押贷款申请核对表 来了解你需要哪些表格来保持程序的进展。

不知道你的摊销额和你的回收额？不用担心!我们的 抵押贷款术语词汇表 将分解你需要知道的一切，帮助你听起来像个专家。

我们已经汇编了我们的 申请抵押贷款时的十大提示 以帮助你成为一个强有力的申请人，使你能够为你的梦想之家融资。

购买或再融资房屋可能会感到压倒性和混乱，但有了我们的 了解抵押贷款程序的指南，它不一定是这样。

准备完成你的房屋净值贷款申请，在我们的网站上打勾。 房屋净值申请核对表. 

申请从属关系很简单，只需按照以下步骤即可。 转让协议说明. 

在我们的网站上快速回答你所有最紧迫的房屋资产问题。 常见问题付款和报表 指南。 

了解如何使用你的房屋净值信贷额度从未如此简单，我们的 获取信用额度的常见问题 指南。 

*这同时适用于消费贷款和股权贷款。

Typically, ACFCU will release the lien within 10 business days after we receive your payoff. Following that, delivery of the title or lien release can take an additional 7 to 10 business days. Some states process titles electronically, while others do not. You can contact your local titling or registration authority for more information about their processes and timelines. Please note that your state’s processing requirements may vary.

ACFCU will temporarily release the title to you so you can take the title to your local DMV to register the vehicle. The new title must be returned to ACFCU within 30 days.

ACFCU will temporarily release the title to you so you can take it to your local DMV to add or delete a name from the title. The new title must be returned to ACFCU within 30 days.

If you purchased your vehicle from a dealer, they may handle the registration and title paperwork and submit it to your local DMV. The DMV will then send the lien-recorded title to ACFCU.

If you purchased your vehicle from a private seller or are titling the vehicle yourself, most states require you to take the title, purchase order, and loan note to your local DMV. Once the DMV has processed the paperwork, they will send a lien-recorded title to ACFCU.

If you refinanced your vehicle with ACFCU and we paid off your previous financial institution, they should release the title directly to us. ACFCU will then send the title to the appropriate DMV to have our lien recorded.

This most commonly occurs when a member purchases a vehicle from a private seller or chooses to self-title the vehicle. If the lien is not recorded on the vehicle title within 90 days of receiving the loan, ACFCU may increase the interest rate on the vehicle loan to 17%. Our Member Solutions Team will reach out to you after 30 days to see if any assistance is required in getting the lien recorded on the title.

The dealer, DMV or other financial institution should submit paperwork to:

阿灵顿社区联邦信贷联盟

PO Box 40070

Arlington, VA 22204

ACFCU does not house paper titles. However, under exceptional circumstances, we may be able to request a paper title from your local DMV, which may take 15 days. Please contact us at 703.526.0200 or by email at titlegroup@arlingtoncu.org.

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.

环联公司

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.

• Originator: The individual or organization initiating the transaction.
• ODFI (Originating Depository Financial Institution): The Originator’s bank that forwards the transaction into the ACH network.
• ACH Operator: Processes transactions between different financial institutions, such as The Federal Reserve Bank (FedACH).
• RDFI (Receiving Depository Financial Institution): The bank that receives the transaction and credits or debits the Receiver’s account.
• Receiver: The individual or organization receiving the funds.

不，那张主要的信用卡是存放资金的地方。要进行转账，你必须进入转账屏幕，选择信用卡作为 "来自 "账户，然后选择一个股票作为 "到 "账户。

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.

只有担保人可以提出争议。他们需要通过800-637-7728联系持卡人服务。

只有担保人可以提出欺诈索赔。他们需要通过800-637-7728联系持卡人服务。

现在就拨打PIN电话800.631.3197，输入EIN和企业电话号码。

不，个人账户将与企业账户保持分离。

在25日^钍 在下个月的时候。

1. 从商业支票账户在线转账到控制卡。
2. 将支票寄给持卡人服务部--在对账单上找到的地址。
3. 到分行进行支付。

1. 从你的电脑登录你的网上银行账户，然后进入 eDocs小工具

2. 点击进入 概述

3. 点击进入 认购设置 caret: V

4. 点击进入 齿轮

5.选择 订阅!

在您的在线视图中，您只能看到您的交易。业务管理员可以查看所有持卡人的所有交易记录和余额。

联系你的担保人。

联系你的担保人。

请联系您的业务管理员以解锁您的在线访问。