Have questions? You’ve come to the right place!

是的. 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 和 Online Banking.
2. Overdraft Transfer – Such as a link to another account.

Courtesy Pay covers the following types of transactions:⁴

1. Checks, ACH 和 other transactions made using a checking account
2. Automatic bill payments
3. Recurring transactions set up using your 借记 card
4. 自动取款机 transactions
5. Everyday 借记 card transactions
6. Point of Sale (POS) transactions

We also offer a $30 grace allowance. That means no fees for 借记 card transactions if your overdrawn balance is less than $30.²

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

1. Log in to the Mobile App or Online Banking
2. 点击 More
3. 点击 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 借记 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 和 ACFCU’s ABA routing number: 256078404.

You can transfer between your ACFCU account 和 external accounts for free (subject to a fee for insufficient funds) by following these easy steps:

1. You’ll need:

• The routing number of the other financial institution
• Your account type 和 number
• Access to your ACFCU online 和/or mobile banking

2. Follow the instructions on our step-by-step ACH Origination Setup 指南.

• Same-day transfers before 2 p.m. (EST) on valid business days, otherwise it will appear on the next business day
• Each transfer to or from your savings account will count toward monthly transaction limits
• Cancel pending transfers under the Scheduled Transfers feature

是的, 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 和 your 13-digit account number (found on the bottom of your checks or via online banking)

Outgoing Wires

• Can be requested online, in person, 和 via fax or email

You can access our Membership Agreement 和 Privacy Policy online at any time.

T在这里 are three ways to avoid the 自动取款机 fees:

1. Use a fee-free Arlington Community FCU 自动取款机
2. 打开一个 Your Choice Checking Account 和 meet the monthly qualifications to have up to $20 in 自动取款机 fees refunded monthly
3. Use one of nearly 30,000 Co-Op Network 自动取款机s

When applicable, fees are assessed throughout the month 和 will appear on your regular monthly statement. View our Personal or Business Fee Schedule.

You can avoid the monthly maintenance fee three ways:

1.  Maintain a combined loan 和 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.*

The Fine Print

*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 和 quick to update 和 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 电话 numbers, email address 和 preferences
7. Confirm your 电话 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 电话 numbers, email address 和 preferences
6. Confirm your 电话 number by answering the security questions or entering a code from your email

Online Banking
1. Log in to Online Banking
2. Go to Settings (top right)
3. Go to Contact
4. Add or update your 电话 numbers, email address 和 preferences
5. Confirm your 电话 number by answering the security questions or entering a code from your email

• Log in to our mobile app¹ or online banking 
• 点击 Settings,然后 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 edoc 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 借记 card transactions must be signature-based, also known as swipe 和 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.

是的, your joint accountholder’s Visa^® 借记 card swipe-和-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 和 自动取款机 Awards励 are not taxable.

是的, you may change your reward feature at any time by contacting us or visiting your local branch.

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

We recommend that you select the 信贷 option instead of 借记. Here’s why:

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

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

T在这里 are three ways to reorder checks:

1. 通过 Online Banking

2. Call Access24 at 703.526.0200 x1

3. Visit your local branch

4. Place other reorders 在这里

我们的 Buying a Car from a Dealership 指南 covers everything from how to determine your budget 和 how to get a pre-approval letter to CARFAX ^® reports to insurance coverage.