Welcome to Atlantic Financial Federal Credit Union
Thanks for choosing AFFCU and allowing us to support your financial well-being. A wise decision if we do say so ourselves.
Opening your new AFFCU account is a big win and the right start — but that’s just the beginning. Let’s ensure you get the most out of your account and take your banking experience to the next level!
Convenient & Easy Account Access
We make it simple to complete your daily banking activities and manage your account on your schedule, not ours. Whether from your PC, tablet, or smartphone, you’re always securely connected to your accounts. Anytime, anywhere, AFFCU’s online and mobile banking gives you easy and convenient 24/7 access.
You can do it online or from the app:
IMPORTANT: During the first 30 days your account is open, special rules about funds availability will apply.3 We hold funds deposited into new accounts for up to 9 days. New member funds are held for security purposes, to better protect Alliant members from fraud
Get Paid Before Everyone Else
Direct deposit is the fastest and most convenient way to keep your account funded without the hassle of depositing a check. And we make it even faster!
When you set up your payroll direct deposit with AFFCU we automatically deposit your paycheck into your AFFCU Account a full day early.*
Get your paycheck before everyone else! Simply set up your direct deposit and we’ll take care of the rest.
Download an AFFCU Direct Deposit Form and submit to your HR department or use it as a guide to complete the direct deposit setup in your HR’s self-service payroll system.
Earn Your Checking Account Cash Rewards
Make sure you’re set up to earn the rewards from your Power or PowerPlus Checking Account. Earn your rewards by having a qualifying monthly direct deposit and logging into your online or mobile banking account each month.5 It’s that simple!
Power Checking: Have a total of at least $1,000 in direct deposit post and settle to your account each month
PowerPlus Checking: Have a total of at least $3,500 in direct deposit post and settle to your account each month
No minimum balance requirements, maintenance fees, or penalties.
Didn’t Open A Power Checking Account? Don’t miss out on this easy way to earn awesome cash rewards every month for activities you’re already doing. See how our Power and PowerPlus Checking Accounts pit money back in your wallet.
Compare our Power Rewards Checking Accounts.
Purchases & Payments
Shopping Made Easy
Simplify your shopping experiences in-store or online with your AFFCU Visa Debit Card. You can shop with confidence knowing our fraud prevention system is working to protect your every purchase. We’ll automatically alert to suspicious activity, via text or automated call, asking you to approve or decline a transaction.
Faster Payments With Online Bill Pay
Manage your monthly expenses and cash flow online. Pay your bills electronically directly from your checking account with a few simple steps and forget about writing and mailing check payments. You can figure something else to do with all your extra time.
Enroll in E-Statements
Eliminate the hassle of paper statements. Get faster, easy access to your account statements when you need them. No clutter, filing, or securing confidential information when you don’t. We’re pretty sure you won’t miss those paper statements!
Enroll in E-Statements via Online Banking.
Need help with enrollment? View our helpful enrollment instructions
You’re all set for a better banking experience and ready to get the most out of your account.
We're Here For You. Helping You Save More Money!
Get pre-approval for a low-rate loan in just a few minutes on the car of your dreams. Refinance an existing auto loan with AFFCU and see what you can save.
Give yourself flexible spending and purchasing power with our Visa Platinum Credit Cards. Choose a cash rewards or simple low-rate option.
Tap into your home’s value for your next major purchase with our low rate home equity loans or lines-of-credit.
We provide affordable personal loans with low fixed rates and flexible terms.
Our routing number is 252075744
Use our ATM locator to find a surcharge-free ATM near you.
If your human resources department offers direct deposit, ask them for their direct deposit form. You’ll typically need to provide them with AFFCU’s routing number (252075744) and your checking/savings account number. You can complete and submit our direct deposit form to your HR or payroll department.
It typically takes 7-10 business days from the day your account was opened to receive your AFFCU Visa debit card and/or AFFCU Visa credit card in the mail. If you need it faster, we offer a fee-based expedited service. A separate mailer will be sent that contains your unique PIN number. Please retain this. You may choose to change your issued PIN to a custom PIN number on AFFCU Visa debit cards only. You may do so by automated phone system at 410-584-7474, at an AFFCU ATM, or in-branch.
Members with an AFFCU Power or PowerPlus Checking Account can earn their account rewards on qualifying purchases using their AFFCU Visa debit card. A qualifying purchase is any point-of-sale transaction or online purchase made using your AFFCU debit card.
AFFCU’s mobile deposit feature is available through the mobile banking app after 30-days of membership. Mobile deposit service may be requested via the AFFCU mobile app, by selecting “deposit” from the menu, any time after the 31st day of membership at the credit union.
*Early direct deposit is not guaranteed and subject to availability depending on when your employer posts their direct deposit ACH file.