Frequently Asked Questions (FAQs)
Welcome to a collection of answers to frequently asked questions about 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!
Types of FAQs
General Office Questions
Question
Answer
What is AHCU’s routing/ABA number?
AHCU’s routing/ABA number is 296076385.
What is AHCU’s SWIFT code?
Associated Healthcare 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. Associated Healthcare Credit Union offers notary services at each of our branch offices. Please call ahead to ensure certified staff is available at the desired time.
What is your Federal Tax Identification number for tax return filings?
Associated Healthcare Credit Union’s Federal Tax Identification number for tax return filings is 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 FDIC like banks?
Similar to the Federal Deposit Insurance Corp (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.
Common Support Questions
Question
Answer
What is my account number?
You can find your AHCU account number by logging into online banking or by calling and speaking to a representative. Please note that your identity must be verified before we will release this information over the phone.
Can anyone open an account at Associated Healthcare Credit Union?
No; as a not-for-profit credit union, AHCU has a closed Field of Membership and you must meet our eligibility criteria to join.
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”.
Is there a fee to cash a check at AHCU 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, the service fee is $10 or 2% whichever is greater.
Digital Banking Questions
Question
Answer
I don't know my user ID to log into Online Banking.
You can find your AHCU account number by logging into online banking or by calling and speaking to a representative. You must verify your identity before we release this information over the phone.
What do I do if I forgot my password?
If you forget your password to log into AHCU's Online Banking, 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?
An eStatement is 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 an 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 Associated Healthcare Credit Union.
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?
Log into Online Banking and check your transaction history for the account in question. Online transaction records should be updated immediately.
Can I use any computer to access Online Banking?
Yes. You can use any computer or device to log into AHCU's Online Banking service as long as the device has internet access 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.
Checking Account FAQs
Question
Answer
How do I order/reorder checks?
You can reorder checks for your AHCU checking account through online banking, by using our online Chat function to speak with an agent, or by calling in and speaking to a representative.
How can I sign up for direct deposit?
You can sign up for direct deposit into your AHCU checking account by contacting your employer's HR/payroll department.
How long does it take for deposited funds to be made available?
The lead time until deposited funds are available for spending in your AHCU account varies according to the type of deposit (cash or check) and the amount. Call the Credit Union 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 clear and be made available in your AHCU account.
What is the minimum age to open a checking account?
The minimum age to open a checking account at Associated Healthcare Credit Union is 13 years of age, as long as a parent or guardian is a joint signer on the account.
Can I order checks from any company or does it have to be through Associated Healthcare Credit Union?
You can order checks from anywhere for use on your Associated Healthcare checking account. You just have to make sure the routing number and account number are all listed correctly.
What happens if I deposit a check and it bounces?
If a check you deposit bounces from your account, AHCU will charge you an $8 fee and send 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. Call the Credit Union for assistance. We can enter a correction through the Federal Reserve to adjust for errors like this.
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