Are my savings
federally insured?
Yes, each account is federally insured to
$100,000 by the NCUA, an agency of the Federal Government.
For the NCUA Share Insurance Estimator, go to
http://www.ncua.gov.
How do I make a deposit?
Members can make deposits to their accounts by:
- Mailing the funds to
ACU. If you are writing the check, make it payable
to ACU and write "For deposit only" on the memo line. If it
is a third party check, endorse the check and write "For
deposit only" under the endorsement. Please
include a note with the check(s) letting us know which
account to apply the funds, your full name, and your account
number.
- Sign up for
Payroll
Deduction,
Direct
Deposit, or
ACH Origination.
- Visit the Credit Union and deposit the funds at one of
our teller lines.
How do I make
a withdrawal?
You have several options when making withdrawals from your
account. You can:
- Utilize one of our 24-hour electronic delivery channels
- ART (Audio Response
Teller) or Internet Teller.
- Open a FREE Checking Account. Log onto
Internet Teller or telephone
ART and
transfer the funds to your checking account. Then, simply
write a check.
- Use an ACU ATM
card (available only with an
ACU Free Checking Account) where you can access cash
through practically any ATM
machine worldwide.
- Call the Credit Union
and request the funds to be mailed directly to your home.
- Visit the Credit Union and withdrawal the funds at any
teller line.
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How
do I open a Savings Account?
In order to open a Regular Share (Savings)
Account, simply complete an Account Card using the link below.
Click here to complete an Account Card.
How do I check my
account balances?
When checking your account balances for your Regular Share, Christmas Club,
and Checking accounts, you can use our convenient electronic services,
Internet Teller or ART, or you
may call a member representative at 800-245-8112.
Am I limited to the number of
withdrawals or transfers from my savings account?
Withdrawals and transfers initiated through an ATM machine or at the Credit
Union branch are unlimited. Due to federal regulations for Regular Share or Christmas Club accounts, no more
than six (6) preauthorized, automatic, or telephone transfers may be made from
these accounts to another account of yours or to a third party in any calendar
month, and no more than three (3) withdrawals may be made by
check to a third party.
How do I
open a Checking Account?
Members can apply for a Checking Account*
by completing an Account Card.
The Account Card allows you to designate account
ownership, specify beneficiaries and comply with necessary
regulations. *Some restrictions apply.
Apply for a Checking Account.
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Is there a minimum monthly balance
for a Checking Account?
Once a checking account is open, maintaining
a minimum balance is not required.
How do I access
my account if I do not live in Ashland, KY?
There are several ways to access your
account.
- Use your FREE ATM/Check Card that is
available with every checking account. A simpler, more
secure way to make everyday purchases. Use it at more than
19 million VISA® merchants worldwide. The purchase amount is
automatically deducted from your checking account. It also
doubles as your ATM card.
- Use any ACU ATM machine
or any surcharge-free ATM* machine which gives you access to
your cash at any Alliance One ATM. Enjoy free unlimited
withdrawals, transfers, and balance inquiries at ATMs
displaying the “Alliance One” logo.
- By using the ACU telephone banking system at
1-800-245-8112, you can access your funds through ART,
our toll free Audio Response Teller or contact a member
service representative during our regular business hours.
- Use our FREE Internet banking through Internet Teller at http://www.ashlandcu.org/it. Our online service is
both convenient and secure. Now you can access your accounts
when and where you want. Check account balances, view
history, and make transfers.
- Use Direct Deposit. Electronically
deposit your paycheck, Social Security, or pension payment
into your account.
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What is Overdraft
protection?
Overdraft Protection services help ensure that you do not have a check
returned.
It uses your Regular Share deposits to cover for insufficient funds, thus reducing
the fee assessed and preventing a check from being returned due to a
miscalculation.
How do I sign up for
Bill Pay?
Setting up bills for payment is quick, easy and secure when you have an ACU
Checking Account. Simply log onto
Internet Teller at
http://www.ashlandcu.org/it and select the "Bill Pay"
icon. Follow the on-screen directions.
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