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Frequently Asked Questions

Q. How can I contact AFFCU?

A. Our local numbers is:

  • 410-584-7474
  • option 5 for our Call Center
  • option 6 for PAT
  • option 7 for our Info Line

Other options are available:

  • 800-505-7476 for toll free access
  • 888-24AFFCU for out of hours loan application

Q. Are AFFCU deposit accounts insured?

A. Yes. The National Share Insurance Fund (NCUSIF) is equivalent to FDIC, but stronger. It comes under our federal regulator, the National Credit Union Administration and is presently insured up to an aggregate of $250,000. IRA's are insured separately up to an aggregate of $250,000. There could be multiple aggregates based on the way your accounts are established.

Q. How do I set up Direct Deposit for my payroll?

A. If your employer offers a direct deposit program, or you receive a pension, dividends, social security or IRS refunds all you need is our Routing &Transit number 252075744 and your account number. In many cases we can provide a form for your use. The number for the Social Security Administration is 1-800-SSA-1213.

Q. Can I get information about my account by phone?

A. Yes. PAT (Phone Activated Transactions) can be reached by dialing 410-584-7474 or 1-800-505-7476 and selecting option 6. A PIN (Personal Identification Number) is needed and can easily be set up. This service is available 24 hours a day, 7 days a week.

Q. Can I get information about my account through the internet?

A. Yes. Our website is Once at the website you can go to our E-Branch and conduct the same transactions as with PAT. The PIN code is also the same. This service is also 24 hours a day, 7 days a week.

Q. Can I pay bills through the website?

A. Yes. You can pay all of your bills except for taxes in AFFCU's E-Bill Pay service; however, you must first be set up with online banking access by an AFFCU employee. Simply go to the log in area on our home page at to enter the E-Branch online banking website. If you do not have an E-Branch online banking account or have additional questions about this service please contact an AFFCU representative at 410 584-7474 or 1 800 505-7476. E-Bill Pay service is absolutely free.

Q. Can I do all my financial transactions at AFFCU?

A. Absolutely! AFFCU provides a complete, full range of services and products. Contact our Call Center at 410-584-7474 or 1 800-505-7476, option 5, for services and products available.

Q. Where are AFFCU's branches?

A. We have one branch located at 40 Schilling Road in Hunt Valley. We are also part of a cooperative network of "shared branches" and "outlets" located conveniently throughout the United States numbering over 5,000. Go to Branch and Surcharge Free ATMS to find your most convenient location by city, state and zip code.

Q. Does AFFCU offer free ATM service?

A. AFFCU has two branded ATMs that are totally free of all surcharges and fees. Additionally, AFFCU belongs to a nationwide cooperative network of credit unions (CO-OP) that provides access to over 30,000 surcharge free ATM's, including all 7/11 stores. Find these locations by city, state and zip code by clicking on the Branch/ATM locator icon at the top of our website.

Q. Can businesses have accounts at AFFCU?

A. Yes. AFFCU serves the employees and families of its affiliated companies. Those companies can establish accounts at AFFCU as well as members who might own a company or operate a company on the side of their regular occupation. Further information can be provided by contacting our Call Center at 410 584-7474 or 1 800 505-7476 option 5.

Q. Does AFFCU have a check card?

A. Yes. Our Atlantic Plu$ VISA Check Card can be used as an ATM card or a debit card. It provides you with access virtually anywhere in the world at ATM's, cash dispensers, and point-of sale terminals.

Q. Does AFFCU provide over-draft protection for my checking account?

A. Yes, in three forms. When items are presented against your checking account and there are insufficient funds available to clear the transaction our system first looks in the order listed below for:

  • Quick Draw overdraft line of credit to transfer money in $100 increments- only pay interest on amounts that are advanced to your checking account
  • Share savings account for available funds
  • MAC (Member Account Courtesy) with a $25 fee per transaction. Provides coverage up to $500

Q. How can I join AFFCU?

A. AFFCU is an employer-based credit union. That is, a company or organization must be affiliated with AFFCU before employees of that company are eligible to join. Immediate family members and those that share in the economic responsibility are also eligible to join.

Q. What is Regulation D?

A. This is a federal regulation that limits certain withdrawals and transfers on share savings and money market. The account limitations are no more than six (6) transfers and/or withdrawals per calendar month to a third party by means of pre-authorized or automatic transfer, or telephone agreement, order, or instruction and no more than three (3) of the six should be made by check in the money market account.

Q. Are there minimum deposit requirements at AFFCU?

A. AFFCU requires a minimum deposit of $5 to open a primary share savings account to join the credit union. This $5 must stay on deposit in the share savings account in order to maintain a member in good standing relationship. This is the basis of ownership in AFFCU and allows you voting rights and access to other products and services.

Q. What if I leave the employment of an affiliated company or are no longer part of an affiliated family or economic relationship?

A. AFFCU's charter states "once a member always a member" as long as you remain a member in good standing.

E-Deposit FAQs

Q. What is E-Deposit?

A. E-Deposit lets you deposit a check remotely without visiting a branch using your mobile device and the AFFCU Mobile Banking App. You must log into the AFFCU Mobile Banking App to use the service.

Q. Can anyone use E-Deposit?

A. Yes, any member with a mobile device that has downloaded AFFCU's Mobile Banking App may request access to the Mobile E-Deposit service. You may request access to Mobile E-Deposit after you have been a member in good standing for at least 30 days from the date your account was opened. To request access, you must first download the AFFCU Mobile Banking App to your mobile device. After logging in, select the Deposit option from the navigation menu. If you do not already have access you will be presented with the option to submit your request for access. Simply enter the necessary information and submit your request. A representative will review your request and grant access within 48 hours as long as you meet the qualifications.

Q. Is there a waiting period to apply for E-Deposit?

A:. This service is available to members after 30 days of account opening.

Q. Are holds placed on my E-Deposits?

A. Yes, it is AFFCU's general policy to place a two business day hold on check deposits. In some cases this hold could be extended.

Q. How do I access E-Deposit?

A. Log into the AFFCU Mobile Banking App and select the Deposits option from the menu.

Q. Are there any unacceptable deposit items?

A. Yes, they include:

  • Foreign Checks
  • Altered Checks
  • Incomplete Checks
  • Non-Negotiable Items
  • Non-readable or non-visible MICR line items (the numbers at the bottom of checks)
  • Checks issued to someone other than the member and endorsed over to the member
  • Checks submitted that include any of the above stipulations will be declined. Members that repeatedly submit unacceptable check deposits may have their access to E-Deposit revoked.

Q. Do checks need to be endorsed by the account owner?

A. Yes, all checks deposited through E-Deposit must be made payable to and properly endorsed by the account owner. In addition to the signature of the payee, all checks deposited via mobile deposit must include the endorsement statement "For Mobile Deposit at AFFCU." Mobile deposits made without both endorsement features will not be accepted.

Q. How do I know if you've received my deposit?

A. Deposits are not real-time. If you try to scan a check and the response screen states, "Successful Deposit," and gives you a confirmation number, then your deposit has been submitted. You will receive a Deposit Notification email informing you that your deposit has been received.

Q. What do I do with checks after I have deposited them using E-Deposit?

A. The Deposit Notification email instructs users to keep your check(s) for 60 days prior to destroying them as you may be notified on occasion that a check was not accepted after verification. You may then be instructed to bring the check into the branch to negotiate.

Q. What is the deposit limit?

A. The limit is $4,999.99 daily and 5 checks per day.

Q. What is the daily cut off time for daily deposits?

A. Any deposits made prior to 2:00 p.m. eastern time on business days, will be verified for processing the same day. Any deposits made after the cut off time, will be verified for processing the next business day.

Q. Whom do I call for assistance?

A. If the help file does not answer your question, you can call AFFCU at (410) 584-7474 or (800) 505-7476 during normal business hours or email us at [email protected].