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General
e-services
Credit & Debit Cards
Loans
GENERAL
What is a credit union?
A credit union is a member-owned, not-for-profit, cooperative financial institution. For similarities and difference between credit unions and banks click here
Am I eligible for membership?
Please see our membership eligibility section
What is my account number?
Account numbers can be found at the the top of your monthly statement. If you do not have a statement available, stop by one of our branches to obtain your account number. Alternately, we can mail it to the address that's on our system. Note: For security reasons, we do not give out account numbers over the phone.
What are your hours?
Please visit the branch locations page
What is your Routing/Transit Number?
Our Routing/ABA/Transit Number is 231278274.
E-SERVICES
What is my PIN (Personal Identification Number) for online banking/touch-tone teller?
If you have forgotten your PIN, you may either visit a branch or request to have it mailed to the address we have on our system for you. Note: For security reasons, we do not give out PINs over the phone.
How do I set up a PIN for online banking/touch-tone teller?
You can set up your PIN in one of two ways:
ONLINE
Please log on to online banking and following the on screen instructions for setting up your security questions and PIN. Please note, the number you select will be the same number you use for our Touch-Tone Teller.
2. OVER THE PHONE
1. Call 1-800-808-2226 - You will be greeted by the credit union voice response system - Press 3
2. Enter your member number and first 2 letters of your last name - Press #
3. Enter your Social Security Number - Press #
4. Enter a 4 to 10-digit PIN number of your choice - Press #
5. Enter your PIN again - Press #
Is online banking secure?
Yes, ABCO FCU utilizes the latest data encryption technology to ensure the protection of member information.
I can’t remember the answer to my security question? What should I do?
Simply start the login process again and you will be asked a different question. Repeat this process until you are asked a question you can remember the answer to. If you can’t remember the answer to any of your questions, please contact Member Care at 1.800.225.1859. We can unenroll you and you can sign up again.
If I use the transfer funds option to transfer funds to another ABCO account, how long will it take for those funds to transfer?
The funds will be transferred immediately.
Can I transfer funds to/from an external account?
Yes, this is an option available through our online Bill Payer using External Transfer HQ. There is $1.50 fee for each transfer. If you need assistance using External Transfer HQ, please contact Member Care at 1.800.225.1859.
What’s the number to your Touch Tone Service?
The number is 1.800.808.2226
Is my payment made through Online Bill Payer Guaranteed?
Yes. If a properly scheduled payment is not received and posted on time by the payee, we will attempt to have any late fees or assessed finance charges removed. If the payee is unwilling or unable to remove them, we will pay the fees and finance charges directly to the payee.
DEBIT & CREDIT CARDS
My debit card is expiring. Will I get a new one?
All debit/credit charge replacements are automatically issued. The card is good up until the last day of the expiring month.
What should I do about a charge I think is fraudulent on my ATM/Visa Check card?
Please contact the merchant first when possible to try and obtain a resolution. If you are unsuccessful at obtaining a resolution, please contact Member Care at 1.800.225.1859.
I want an extra ATM/Visa check card for my joint owner. How can I obtain one?
The joint owner needs to complete an application for the ATM card. An additional card can be supplied for a joint owner only.
When is my Visa payment due?
Visa payments are due on the first of each month. You can view details on your Visa account and make payments by signing up for online banking.
Why did I get a finance charge and I paid my Visa bill on time?
When balances are not paid in full each month, a finance charge will accrue.
LENDING
What are your rates?
Please see our rates & yields page
I've applied for a loan online. When will I receive notification of whether or not I’ve been approved?
If you've been approved, the lending dept. will contact you within 1-2 business days. If you have not been been approved, you will receive a letter within (5) business days indicating the reason(s) for denial.
When I open an account, how long do I have to wait before applying for a loan?
There’s no waiting period. You’re eligible for our services as soon as you open your account.
Why are you still taking money from my payroll and my loan is paid off?
Your employer continues to send your funds until they receive another payroll form indicating that you’d like to adjust your services. The funds are in your account and they are available.
When is my car loan payment due?
Car loans are due on the 15th of each month. You can find details and make a payment on your car loan by signing up for online banking.
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