Atlantic Financial FCU branches will be closed on Monday, May 27th for Memorial Day. Enjoy convenient access to your accounts via online banking 24/7.

Coronavirus Readiness Update

Update: March 17, 2020

AFFCU Coronavirus (COVID-19) Member Update 3/17/2020 – Branch Access Changes

Dear Member:

The health and well-being of our employees and members is paramount during these uncertain times as we are encouraged to implement social distancing. Just as important, however, is our commitment to serve the financial needs of our members and be accessible when needed. We believe we have found a safe balance to both of those as we implement some temporary changes to our branch access and operations.

The CDC has issued guidelines to limit social activities to fewer than 50 people, while the White House has recommended limiting social gatherings and interactions to no more than 10 people. These are unprecedented times that require us all to do our part to protect one another.

Effective Wednesday, March 18, 2020 our branch lobby will be closed until further notice. This impacts walk-in lobby access only. Our drive-thru will remain open and accessible during normal branch operating hours. Our branch and back-office remain fully staffed, though some are now working remotely. The branch team will provide additional support to our call center operations to ensure any increased volume of phone call activity is adequately handled. They will also assist our lending team to support online application processing, and support members with digital banking needs.


We strongly encourage you to use AFFCU’s digital and self-banking tools for 24/7 account access. This includes our online and mobile banking systems, as well as our phone automated transaction (PAT) system, which allow you to complete nearly all your common banking activities.

ATM access continues to be available for any cash needs or deposit activities (where accepted). Members can use an AFFCU ATM or any of the 35,000+ surcharge-free locations within the CO-OP ATM network. For any purchase needs, your AFFCU Visa Debit and/or Credit Cards are accepted nearly everywhere, in-store and online.

Members that may not be comfortable using the digital banking solutions are encouraged to call us at 410-584-7474 and speak with our friendly representatives who can assist you with your banking needs.


It is our mission to enrich our members lives and deliver exceptional member experiences and we will continue to do so as we work to serve you while ensuring everyone’s safety and well-being. We are confident that we can do our part to join in the public efforts to distance ourselves to slow the spread of the virus, while also ensuring uninterrupted access to the support and financial well-being we deliver to our members.

We will remain nimble throughout these endeavors and continuously monitoring changes as we evaluate how we can best serve our members needs. We encourage you to stay connected with us for further updates as we share them. Our team is being proactive to begin outlining ways we may support our members who may begin to face financial hardships as a result of this outbreak. While those details are still being reviewed, we encourage anyone that is facing current financial hardships as a result of the coronavirus to reach out and speak with an AFFCU representative at 410-584-7474.

We are in this together and will come out of it stronger than before. We appreciate our members support through these uncharted times.

Atlantic Financial Federal Credit Union


Update: March 16, 2020

AFFCU Coronavirus Update: Kasasa Checking Qualification Changes

In light of the ongoing developments related to the COVID-19 (coronavirus), we understand that adhering to government mandates to limit activities and interactions with others may impact your shopping and purchasing habits.

We know the impact that this is having on everyone’s daily lives. As a Kasasa checking account holder, we don’t want these current social limitations to impact your ability to earn your monthly cash rewards. To ensure we continue to stay at the forefront of helping our valued members, while staying committed to our mission to deliver exceptional member experiences, we’ve decided to ease the monthly Kasasa checking qualifications.

During the qualifcation periods for March and April 2020, members will only need to complete six (6) debit card transactions per month instead of 12. All other qualifications will remain the same.

Kasasa Checking Qualifications for March & April 2020

  • Complete six (6) AFFCU Visa Debit Card transactions
  • Be enrolled in E-Statements
  • Login to online or mobile banking at least one-time

These are challenging times and we’re all in this together. We hope that the easing of these qualifications for this limited time will be helpful to each of you and still allow you to earn your monthly Kasasa Checking account cash rewards.

Thank you,
Atlantic Financial Federal Credit Union


Original Post: March 13, 2020

We’re Prepared And Still Ready To Serve Your Financial Needs

Dear Member:

We realize you’ve likely received many messages regarding the coronavirus (COVID-19) and you may be concerned about the uncertainty of what the coming days and weeks may bring. Please know, your health and well-being, and that of our employees, are our top concern.

We are reaching out amid growing concerns uncertainty to reassure you that we are taking the necessary steps to safeguard our staff and members, while ensuring you have access to your account(s) and cash.

The safety of our staff and our members is always our top priority. Currently, our branch and corporate operations are functioning on normal schedules. However, we are taking extra precautions to keep our staff and members healthy. We are adding hand sanitizing lotions in the branch, asking our branch staff to take added measures to keep their hands and workstations clean, which may include excusing themselves to wash their hands between members. We are also regularly disinfecting common areas and furniture daily.

The Centers for Disease Control and Prevention (CDC) is advising the public to stay home when sick and avoid close contact with people who are sick. Following the recommendation of the CDC, members who have traveled outside the country (particularly those identified by the CDC having Level 3 and Level 2 travel restrictions) are discouraged from visiting the branch for at least 14 days after their return from these countries or until the CDC lowers their travel risk assessment to an acceptable level.


Whether you are sick or not, you may consider some of the alternatives to visiting the branch at this time. That being said, we strongly encourage you to use AFFCU’s digital and self-service banking tools whenever possible, which includes:

  • Online & Mobile Banking. It’s a secure, free, and easy way to check your balances, transfer funds, make payments, and more, from your computer or mobile device 24 hours a day. With our mobile app, you can even electronically deposit checks. If you don’t have Online Banking you may request registration by following the link on the online banking login page or give us a call at 410-584-7474 and we’ll get you set up.
  • PAT (Phone Automated Transactions). Use our automated telephone banking system to complete transactions. If you’re not comfortable using Online Banking tools, “PAT” is also an option to check balances, transfer funds, and make loan payments. You can access this system by calling 410-584-7474 and selecting option 1.
  • ATMs. You may access our two AFFCU ATMs or any of the 30,000 surcharge-free CO-OP Network ATMs nationwide. You may use the ATM to withdraw cash, transfer funds, make loan payments, and make cash or check deposits where the service is available.
  • Drive-Thru. If you need to visit the branch, consider the convenience of the drive-thru option instead of the lobby.
  • Call Us. Contact us by phone at 410-584-7474. A representative can handle almost any banking need by phone. We are also available by email at [email protected], however, please do not send any confidential information (account numbers social security numbers, etc) via unsecured email.

We will keep you informed of any further developments or changes to our operations should they come up. We will communicate these updates via email, on our website at, and via our social media channels (Facebook, Twitter, & LinkedIn). We encourage you to follow us online and to check in periodically for any updates that are shared. Should there be a need for us to reach out to you directly by phone, please be aware that we will not ask you for any account or confidential information such as account or social security numbers. If you are contacted by anyone, please be vigilant and do not provide any confidential information. Unfortunately, there are those that use opportunities like this to commit fraud.


We can support your loan or credit card needs remotely from start to finish. Applications can be securely, submitted online at 24/7. Our dedicated lending team is available during normal business hours to review and approve loan applications. Document review, signing, and account funding can all be done electronically without the need to visit a branch.


If you or your family are impacted by COVID-19, and need financial support, we encourage you to contact us. Our team can provide financial guidance and discuss potential solutions that may be available to you.

We will continue to keep you updated on any new developments or updates to our daily operating procedures that may impact your member experience. We appreciate your cooperation as we do our part to keep our staff, members, and communities as safe and healthy as possible during this time.

Atlantic Financial Federal Credit Union