It should arrive within 7-10 business days after your request.
Checking & Electronic Services
It's the right time to change to an AFCU checking account. These days every penny counts and we can help you make the most of your money with one of our checking accounts. They offer all the convenient electronic services you want like debit cards and online banking without a mountain of fees. Choose from No Minimum Balance Checking, Dividend Checking or Scholar Checking.
|No Minimum Balance Checking||Dividend Checking||Scholar Checking|
|Monthly Service Fee||None||Yes, if balance falls below $100||None|
|Dividends||None||Yes, with $100 minimum balance||Yes, with $100 minimum balance|
|Monthly ATM/Debit Card Fee||None||None||None|
|Nationwide Access to ATMs||Yes, see logos below||Yes, see logos below||Yes, see logos below|
|Same Day Deposit Credit||Yes, in most cases||Yes, in most cases||Yes, in most cases|
|Bill Pay Services||Yes||Yes||Yes|
|Account Transfers||Yes, limits may apply||Yes, limits may apply||Yes, limits may apply|
|Cost of Checks||Prices vary*||Prices vary*||Free Classic Checks|
|Overdraft Protection||Yes, see Overdraft Protection options below||Yes, see Overdraft Protection options below||Yes, see Overdraft Protection options below|
* Members age 55 and above receive free classic checks with No Minimum Balance Checking or Dividend Checking.
Frequently Asked Questions
Call 1-866-985-2273 from the phone number associated with your account to reset your PIN number. For security purposes, AFCU employees do not have access to member PINs.
253 278 139
864-296-5010 or 1-800-782-7290
Your CALL 24 PIN is the last four digits of the primary account holder's Social Security number unless you have changed it.
You must use your membership number, which is your savings account number.
Direct Deposit/Payroll Deduction
If available through your employer or government agency, your check may be electronically deposited and distributed into your accounts. If direct deposit is not available, some employers have agreed to offer payroll deduction. This means your employer will mail deposits to your account each pay period.
Receive a free ATM/Debit card to access your checking funds 24 hours a day. Use your card to make withdrawals nationwide at ATMs displaying any of the logos listed above. The debit card can also be used anywhere VISA is accepted.
Phone & Online Banking
Get free 24 hour access to your account through CALL 24, our phone banking system, at 864-296-5010 or 1-800-782-7290. Online Banking is available at www.andfcu.com. These systems will give you information on account balances, deposits, withdrawals, and cleared checks. You can also transfer funds between accounts or make loan payments.
Bill Pay Services
Save time by paying your bills online with free bill pay services through CheckFree.
* You must be a registered online banking user to enroll in Bill Pay services.
Choose to receive monthly paper statements or e-statements.
Overdraft Protection Plans
Plan ahead to avoid any returned items on your account. Three different options are available to handle these situations.
With your authorization, this plan will allow us to withdraw funds from your savings account to cover the amount of the overdraft. There is no fee for this service and credit approval is not required. However, there are limitations onthe number of transfers that are allowed each month.
Overdraft Protection Loan
With credit approval, funds from this line of credit will automatically be deposited into your checking account when needed. There is no fee for this service. You will simply pay interest on the loan based on the amount of money used and the number of days you use it. A monthly payment will be deducted from your account or you may choose to pay the loan in full at any time.
This plan does not require an application or credit approval; however other requirements must be met. This plan will pay a check and ACH items when funds are not available by allowing your account to become overdrawn. Your account will still be charged the standard overdraft fee of $34 for handling each item, which is the same fee that AFCU charges for items drawn against insufficient funds and returned to the payee. Please be aware that Overdraft Privilege is not a line of credit and this notice does not constitute either a written agreement of an obligation or a prearranged agreement to pay your overdraft.
This service will not authorize and pay overdrafts for ATM transactions or everyday debit card transactions unless you complete the attached form and return it to an AFCU branch.
Overdrafts are paid at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined or returned and our standard overdraft fee of $34 per item will be charged.
What fees will I be charged if AFCU pays my overdraft under the Overdraft Privilege plan?
Under our standard overdraft practices, a $34 fee will be charged each time we pay an overdraft.
What if I want AFCU to authorize and pay overdrafts on my ATM and every day debit card transactions?
Call or stop by the nearest branch to request an authorization form.