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


Branch information, including lobby and drive-up hours, can be found on Contact Us.

Rate Icon

My Account Details & Statements

  • How can I update and verify my contact information?

    It’s easy and quick to update and 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 phone numbers, email address and preferences
    7. Confirm your phone 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 phone numbers, email address and preferences
    6. Confirm your phone 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 phone numbers, email address and preferences
    5. Confirm your phone number by answering the security questions or entering a code from your email

  • How can I update my email or street address?
  • When will I get my statement?

    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. 

  • How do I access e-statements?

    You can access your e-statements by clicking on the eDocs widget in online banking.

  • How many months of e-statements will there be in my e-statement library?

    Once you enroll in e-statements, your e-statement library will store the last 24 months’ worth of e-statements.

  • How do I add my card to my mobile wallet?

    Click on your device for instructions to add your card to your mobile wallet.

Rate Icon

Managing My Money

  • Does my checking account provide overdraft protection options?

    Yes. 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 and Online Banking.
    2. Overdraft Transfer – Such as a link to another account.


    Courtesy Pay covers the following types of transactions:4

    1. Checks, ACH and other transactions made using a checking account
    2. Automatic bill payments
    3. Recurring transactions set up using your debit card
    4. ATM transactions
    5. Everyday debit card transactions
    6. Point of Sale (POS) transactions


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


    The Fine Print
    1Data rates may apply.
    2This only applies to debit card transactions. ACH transactions do not have the $30 grace before a fee is charged.
    3A $30 fee is charged for each occurrence.
    4ATM transactions, everyday debit card transactions, and Point of Sale (POS) transactions require separate opt-in.
    5Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc. Data charges may apply.
  • How do I set up automatic deposits or withdrawal for my ACFCU account with an outside party?

    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 and ACFCU’s ABA routing number: 256078404.

  • How do I manage automatic deposits or withdrawals from my ACFCU account?

    You can transfer between your ACFCU account and 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 and number
    • Access to your ACFCU online and/or mobile banking


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

    • 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
  • Do you offer wire transfers?

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


    Outgoing Wires

    • Can be requested online, in person, and via fax or email
  • How do I set up electronic alerts for loan payments?
    1. Log in to Online Banking
    2. Click on your name in the top right corner
    3. From the drop-down menu click SETTINGS
    5. Under Accounts, click the SETTINGS icon to the right of Loan Payment Due Date
    6. Slide the button to ON
    8. Choose the Loan(s) and then choose the number of DAYS before and after the Due Date to receive an alert
    9. Click SAVE
    10.  Click the box to indicate which method to receive alert: EMAIL and/or MOBILE
    11. Click SAVE CHANGES


    To modify an Alert, follow the instructions above.

    To delete an Alert, follow steps 1-6 and slide the button to OFF.

  • What are the requirements when creating a username for Online and Mobile Banking?

    Usernames must be alphanumeric and between eight and 15 characters. Old usernames cannot be reused.

Rate Icon

Agreements, Fees and Penalties

Rate Icon

Free Rewards Checking Account

Rate Icon

Personal Loans

Rate Icon

Mortgages and Home Equity

Rate Icon

Savvy Money

  • Is Savvy Money free?

    Yes! Savvy Money is a free service available in Online Banking and Mobile.

  • Will enrolling or accessing Savvy Money affect my credit and potentially lower my score?

    No! Checking credit scores on Credit Score is a “soft inquiry” that does not affect credit score.

  • What scoring model does Savvy Money use?

    Vantage 3.0

    Please note that Vantage Score and FICO scores may be different and may result in different credit tiers/rates.

  • What bureau does Savvy Money pull credit profiles from?


  • How is my privacy protected through this credit monitoring service?

    To enroll, you first must be logged in to our secure online banking or mobile platform. Your credit information is never shared with third parties.

  • Can the credit score in Savvy Money differ from other credit monitoring apps or loan applications?

    Yes. Three major credit reporting bureaus—Equifax, Experian, and Transunion—and two scoring models—FICO or VantageScore—determine credit scores. Financial institutions/lenders use different bureaus, as well as scoring models. Over 200 factors of a credit report may be considered when calculating a score, and each model may weigh credit factors differently. Hence, no scoring model is completely identical but should directionally be similar.

  • Why is my credit score different in Credit Score than the score on my loan application?

    Savvy Money is a credit monitoring tool we provide to you at no cost to learn more about how your financial decisions impact your credit score. You can expect your score to be different because we consider additional credit factors in your loan application that are not available in this tool that may result in a different score.

    Credit monitoring tools like Savvy Money use scoring models like Vantage Score 3.0 to display your credit details. There are additional credit factors we consider when reviewing your loan application by using a FICO scoring model. The use of different scoring models is why you see a difference in your scores.

    No scoring models are identical but are directionally the same. If your score goes up based on your credit activity in Savvy Money, you might see an increase in the scores we pull for loan applications as well.

  • What if I see an error on my credit report?

    If you find incorrect information in your credit report, contact the company that issued the account or the credit reporting company that issued the report.

    There is also more information on how to resolve these types of issues in the FAQ section under Resources.

  • Can I download my credit report in Savvy Money?

    Yes! On the Credit Report page, click “Download Report” in the top right corner.

  • When does my status change to inactive in Savvy Money?

    If you do not log in to online or mobile banking for 120 days, your Money Savvy will go inactive, and you will be unenrolled. To re-enroll, follow the normal enrollment procedures to regain access to your profile information.

  • Can I unenroll from Savvy Money?

    Yes. On the Resources tab, select “Profile Settings”, scroll to the very bottom and select “Deactivate Credit Score Account.” Once unenrolled, you can choose to reenroll at any time through online or mobile banking.

  • Can I receive alerts from Savvy Money?

    You can receive credit alerts, monthly notices, and general messages from Credit Score.

  • Can I turn off email notifications from Credit Score?

    Yes. You can manage your email notifications by navigating to the Resources Tab, selecting “Profile Settings”, and changing their preferences under Email Notifications. You can also change your subscription settings at the bottom of emails you receive.

  • Who responds to the questions Contact Us option?

    Savvy Money will answer general questions related to credit scores and their site. Any specific credit union questions will be redirected to our Digital Banking team.

Rate Icon

Business Credit Cards


Manage your money anytime, anywhere with our mobile app.

5 star rating
5 star rating

Why Choose Arlington

As a full-service credit union, we’re a cooperative of members like you who know that by coming together, we can all benefit in our financial journey.

Financial Empowerment

We’re here to help our members—and neighbors—meet their financial goals and live their best lives.

Rewarding Experience

We think there’s nothing more rewarding than serving our members—and believe one good turn deserves another.

Utmost Integrity

We not only meet your financial needs, we commit to being a good neighbor and serving with integrity.