FAQs, Videos, and More

Welcome to a collection of FAQs, videos, and more financial resources available from AHCU. We assembled this collection to help you find answers to your financial questions 24 hours a day, 365 days a year!

Financial Resource Center

We are proud to have a video library of financial resources covering a range of topics that can impact your financial well-being. We continuously add new videos to support you on your journey. Make sure to check back regularly.

Go to our Financial Resource Center

Digital Resource Center

It can be hard to explain how to use our Digital Banking services, so we decided to show you instead. Our Digital Banking Resources include video how-tos and click-thru demos of our most popular digital banking products.

Go to our Digital Resource Center

Financial Wellness Checkup

A financial wellness checkup is a conversation with an AHCU rep to help identify your personal financial goals and how to reach them.

Make a Wellness Appointment

Fraud Help & Prevention

The internet has brought the world to our door but unfortunately, not everyone in the world is kind. Learn about common scams, how to spot them, and resources for dealing with them.

See our Fraud Resources

Frequently Asked Questions (FAQs)

General Office Questions

What is AHCU's routing/ABA number?

296076385

What is your SWIFT code?

The credit union does not have an associated SWIFT code for receiving wires. All wires (including those sent from international locations) should be sent using our Fed Routing number 296076385.

Does AHCU offer notary service?

Yes, we offer notary services at each of our branch offices. Please call ahead to ensure certified staff is available at the desired time.

What is the Credit Union's Federal Tax Identification number for tax return filings?

41-0738787

What is a Credit Union?

A credit union is a not-for-profit financial cooperative owned by its members. The credit union makes decisions with the best interests of our member/owners in mind. Our not-for-profit status allows us to return our earnings to our member/owners in several ways: higher rates on deposit accounts, lower rates on loans, and fewer and less fees. Since we are a cooperative, members always have the right to run for our Board of Directors.

Why aren't Credit Unions insured by the Federal Deposit Insurance Corp (FDIC), like banks?

Similar to the FDIC, your funds are safe and secure, backed by the complete confidence of the National Credit Union Administration (NCUA) — an independent United States government agency dedicated to protecting credit unions and our members. All your deposits with us are federally insured by the NCUA up to $250,000. Visit www.NCUA.gov to learn more.

Digital Banking Questions

I don't know my user ID to log into Online Banking.

Please provide your name and member number and we can look that up for you. Or call 651-383-4000.

What do I do if I forgot my password?

You can hit "forgot Password" on the login page. If that does not help, call 651-383-4000 for further assistance.

What is an eStatement?

A record of monthly transactions found on the Online Banking platform.

Why am I getting locked out of eBanking all the time?

Your password or User ID is wrong. Call 651-343-4000 for assistance.

How do I sign up to receive eStatements?

Sign into Online Banking via our website. On the far right-hand side there is a estatements link. Click on that and follow the prompts until you see a separate tab that opens up with all your estatements.

What does it cost to use Bill Pay?

Bill Pay is a free service from AHCU.

How do I make credit card payments online?

Log into Online Banking, then click on “transfer money” link. Select “from” account, Select “To” account. Indicate “amount” of payment. Click “review”. Click “Make transfer”.

How can I verify that an eBanking transaction was successful?

By looking at the transaction history.

Can I use any computer to access Online Banking?

Yes, as long as the computer is connected to the internet and the web brower you are using supports Transport Layer Security (TLS) version 1.2 or higher, JavaScript® and enabled security features.

How do I fix Online Banking iPad errors?

Try clearing the browsing history and restart the app. Sometimes it helps to delete the app and re-add it.

Common Support Questions

What is my account number?

This can be found in your online banking, by calling and speaking to a representative or transferring you to an agent.

Can anyone open an account at Associated Healthcare Credit Union?

No; as a not-for-profit credit union, AHCU has a Field of Membership . Our current FOM is available online on our Open an Account page.

Can I set up automatic payments for my loan?

Yes. Call 651-383-4000 to have an ACH set up.

If the loan is at AHCU but your checking/savings account is elsewhere, you will need to call the other financial institution to set up the ACH.

Can I mail a check for deposit into my AHCU account?

Yes, we will process checks received by mail. Please be sure to endorse the back “For Deposit Only at AHCU” and include a deposit slip or instructions for deposit. Alternately you can use the AHCU mobile app on your phone to submit a Mobile Deposit. Checks submitted using this method should be endorsed “For Mobile Deposit Only at AHCU”.

Do I have to pay a fee to cash a check in an AHCU branch if I do not have an account?

If you need to cash a check drawn on Associated Healthcare Credit Union and are not a member, a service fee of $10.00/check would apply.

Checking Questions

How do I order/reorder checks?

Through online banking, chatting with an agent or calling in and speaking to a representative.

How can I sign up for direct deposit?

This is done through your employer through the HR/payroll department.

How long does it take for deposited funds to be made available?

It depends on the type of deposit (cash or check) and the amount. Call for details.

How long does it take for funds to become available when deposited at a shared branch location?

Shared branching deposits can take up to two business days to be available in your account.

What is the minimum age to open a checking account?

13 years of age as long as a parent or guardian is joint.

Can I order checks from any company or does it have to be through Associated Healthcare Credit Union?

You can order checks from anywhere.

What happens if I deposit a check and it bounces?

If a check you deposit bounces from your account you will be charged an $8 fee and sent documentation in the mail.

I wrote a check and it cleared for a different amount than what I wrote it for. Why?

Likely the bank where the recipient deposited it entered the check for the wrong amount or the amount was read incorrectly when imaged during processing. We can enter a correction through the Federal Reserve to adjust for wrong amount.

Free Credit Report

Consumers can take advantage of a free annual copy of their credit report from the three major credit bureaus — Equifax, Experian, and TransUnion.

If you are a victim of identity theft, you are entitled to place a fraud alert on your file and to receive copies of your credit report from each of the three credit reporting companies free of charge, regardless whether you have previously ordered your free annual reports.

To learn more, call 877-322-8228 toll free or click the link below.

Go to AnnualCreditReport.com

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