Frequently Asked Questions

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The more that you know, the better we can serve you.

We take pride in offering a broad range of accounts, and easy to use digital banking services. We don’t expect anyone to be an immediate expert on everything we have to offer. But if you take a few minutes to skim these FAQs, we think you'll find information that will help you manage your money, save yourself time, and use our services more efficiently.

It's easy to find exactly what you're looking for

Just locate the topic that interests you, click the link, and you'll find user-friendly information that gives you a better understanding of why we do things and how you can get things done.

Alerts

You can set up debit card alerts in Online Banking under the "Options and Extras" tab.

You can set up many different types of alerts to assist with managing your account(s) in Online Banking by clicking the "About Me" tab.

You can set up credit card alerts in Online Banking under the "Options and Extras" tab.

There are several alerts that can be created in Bill Pay by clicking on "My Accounts" and then View Alerts within the notification box. 

You can set up many different types of alerts to assist with managing your account(s) in Online Banking by clicking the "About Me" tab.

Branch Services

The daily ATM cash withdrawal limit is $500.  For Point of Sale (POS) purchases where a PIN is required, the daily limit is $1,000.  For POS purchases that do not require a PIN, the daily limit is $3,000.  There is a limit of 25 Visa purchase transactions per day.   

Since our branch hours vary, select the appropriate branch under the "Locations" section of this website.

Members may obtain 1 free Official Check per day.  Any additional Official Checks are $5.00 each.

Members may cash in coins at any one of our branch locations.

To submit a wire, complete the Bank to Bank Wire Request Form, on the "Forms" section of this website.  Incoming wires to your Andrews Federal account are $15, outgoing domestic wires are $25 and outgoing international wires are $35.

Yes, through the CO-OP Shared Branch Network, you will be able to complete some of the same transactions as if you were at an Andrews Federal branch. To find a Shared Branch near you and to confirm the services that are available, visit the Branches & ATMs page.

Yes, at our Maryland branch locations only.

You can access your Andrews Federal accounts at participating shared branch locations. Additionally, guest members from other credit unions may access their accounts at our military bases and Virginia locations.

Credit Cards

To place a freeze on your credit card in the Andrews Federal mobile app, click the "Manage your Credit Card" tab in the menu bar.  Debit cards can be frozen within Online Banking by clicking the "Options and Extras" tab and selecting Debit Card Controls option. 
 

A variety of factors impact your credit score including the number and severity of late payments, your total number of credit accounts and loans, the type and age of your accounts, the amount of credit you have utilized on your cards, total debt, the number of new credit accounts that you have recently opened, and the number of recent credit inquiries(applying for credit cards and loans). 

Open the Wallet App, click on "Add Card", scan your card and follow the onscreen instructions.

To order a replacement card in the mobile app, click the "Manage your Credit Card" tab in the menu bar. Click the Visa logo, and the options for requesting a replacement card will appear.  To order a replacement card online, check out the "Common Tasks" section under the "Cards" area of the home page.

To redeem your reward points, visit https://www.curewards.com

You may access the "Visa Automated Payment" Form under the "Learn" section of the home page, then click on "Resources", and then "Forms". The form can returned to your payroll office or the agency that handles payments.

You can set up credit card alerts in Online Banking under the "Options and Extras" tab.

You may submit a new loan application at anytime to request an increase.

Yes, you may use your credit card internationally.

To place a travel notification on your account, select the airplane icon within Online Banking or select the Travel Notifications option from the Options and Extras tab.  Enter your travel information, select the card(s) that you will be traveling with, and select Submit.  For additional security, establish fraud alerts for your cards by selecting the Credit Card or Debit Card Fraud Alerts options within the Options and Extras tab.

Yes, we offer secured credit cards.  We freeze funds equal to the desired balance.  The money is still yours but is security for the credit line.

Credit Reporting

A variety of factors impact your credit score including the number and severity of late payments, your total number of credit accounts and loans, the type and age of your accounts, the amount of credit you have utilized on your cards, total debt, the number of new credit accounts that you have recently opened, and the number of recent credit inquiries(applying for credit cards and loans). 

In Online Banking, click on the "FICO Score" tab to view your latest score (updated quarterly).

We have loan options for members with limited or no credit history including Share and Certificate Secured Loans, a Share and Certificate secured Visa and the Cash to Go loan.

The FICO Score (based on Equifax data) is posted in Online Banking and is updated on a quarterly basis. 

Debit Card

You can set up debit card alerts in Online Banking under the "Options and Extras" tab.

Yes, to freeze your debit card, log into Online Banking, select the Options and Extras tab, and click the Debit Card Controls option.

If you did not receive the services that you expected and paid for, or if the amount that is charged differs from your expectation, contact us at 800.487.5500 and our team will help you with filing a dispute claim. 

Open the Wallet App, click on "Add Card", scan your card and follow the onscreen instructions.

To order a replacement card online, visit the "Common Tasks" area of the "Cards" section of the home page and select the Report a Lost or Stolen Card option.  You may also contact us at 800.487.5500.

You can change your Debit Card PIN number by calling 866-985-2273 and answering a series of authentication questions. Visit a branch location, or call our Contact Center at 800-487-5500, to have your PIN sent in the mail;  this typically takes about 7-10 business days.  

No, but we offer a variety of surcharge-free options. Just click on "Branches and ATMs" under the "Access" section on the home page.

Deposit Services

In Online Banking, click on the "Order Checks" tab, select your account from the dropdown and then Submit.

Yes, Regulation D (Reg D) is a federal regulation that limits transactions from Savings and/or Money Market accounts to 6 electronic transactions per month. 

Yes, complete the "Authorization for Direct Deposit to Andrews Federal Credit Union" form located in the "Learn" section of this website and return it to your employer or to the agency responsible for your payments.

If the check is drawn from an Andrews Federal account, the funds will be available on the first business day after we receive your deposit.  If the check is a personal check from an outside institution, the first $200.00 will be available on or before the first business day after we receive the deposit.  The remainder (up to $5,000) will be available no later than the 2nd business day after the day we receive your deposit, and the remaining funds over $5,000 will be available no later than the 7th business day after the day we receive your deposit.  For more detailed information, please review our Funds Availability policy in the "Learn" section of this website.

Yes, you may have a Free Checking Account and an Advantage Checking Account, however the option to have 2 of the same type of checking account (e.g., 2 Free Checking accounts) is not available. 

You should call our Contact Center at 800-487-5500 or visit your local branch to place a stop payment on the series of checks.  It is strongly advised that you work with a representative to close the account and open a new one. 

You can place a stop payment on a check in Online Banking by selecting the account the check was written on and then "Stop Payments".  In the Mobile App select "Make a Stop Payment".  These options are free of charge. You may also contact us at 800.487.5500.  Please note that a $25 stop payment fee will be applied.  To stop a payment for an ACH, visit our "Forms" section of this website and complete the ACH Stop Payment form.

You may visit any of our branch locations to complete the necessary paperwork.  You may visit our IRA page under the "Savings" section of this website for an IRA beneficiary form

As a general rule, you want to start the process where the IRA fund will end up.  This ensures there is an IRA to deposit the funds you send. Speak to a representative at 800 487-5500 about opening an IRA account. 

Loan Services

If you see a transaction on your account that you do not recognize and did not authorize, contact us at 800.487.5500 and our team will help you with filing a fraud claim. 

Yes, similar to the way that FDIC insurance protects bank customers' deposits, the NCUA (National Credit Union Administration) protects credit union member deposits up to $250,000 for each individual depositor. For additional information about NCUA's share insurance, visit www.mycreditunion.gov

If you purchased GAP from your dealership, you should contact them directly to file your claim. If you purchased from us or RateGenius.com, we will file the claim on your behalf. To do so we will need documentation from your insurance provider including the market valuation report, the total loss settlement statement, settlement check, cause of loss letter (if purchase from us) and the police report if applicable. This info can be faxed to 301-702-5323 or emailed to Lservicing@andrewsfcu.org. Make sure that you have a valid email address on file with us so that our communications can be received.

We have loan options for members with limited or no credit history including Share and Certificate Secured Loans, a Share and Certificate secured Visa and the Cash to Go loan.

We allow 10 days for the payoff funds to clear before mailing your title release documents to the mailing address on file. This should be kept with your title to show that there is no longer a lien against it.

You should call our Contact Center at 800-487-5500 to make an escrow payment.

You may make a single loan payment up to $2,500. If you need to make a larger payment, we suggest making multiple payments, not exceeding the total loan amount. If your mortgage payment is more than $2,500, you will need to make multiple payments.

No, you are welcome to pay your loan off early at any time without penalty.

You can apply for a loan online by selecting the "Apply for a Loan" option which is listed at a "Common Task" under the "Borrow" section of this website.

You can pay any type of loan. However, the loan must not be past due by 45 days, or more.

There are no fees when making a payment online. However, payments made over the phone are subject to a $14.95 processing fee.

Anyone with a Loan or Visa with Andrews Federal can create a login and password. You may also choose not to create a login or password. Instead, you may make a one time payment; the system will not store your information.

A confirmation email will be sent when you make a loan payment online. 

Andrews Federal will call you if your payment was returned. Returned payments are subject to Non-Sufficient Fund Fees/ACH. Please see Account Fee's for more information.  

Credit Cards are not accepted. Loan payments must be made using your checking account information from a financial institution. However, you may make a payment with your Debit Card. To pay with a Debit Card, please call 800-487-5500. 

You may make a loan payment up to 30 days in advance. 

You may pay any amount, up to the maximum of $2,500 per transaction.

No. Loans cannot be paid in advance. A payment is required to be made on your loan(s) each month, as stated in your loan closing documents.   

Not through the Online Payment System. You would need to call 800-487-5500 and speak with a representative. They will provide you with a form to be filled out, and signed. You will also need to provide a canceled check. 

Your username is your email address. If you forget your email address, you can re-register, but your payment information will not display any previous payment information. You will have to set your account back up.

You can request a password reset. You will receive an email from notifications@baconpay.com to reset your password.  

Yes, you can only make a total of four (4) online loan payment transactions. 

You do not have the ability to cancel your own transactions through the payment system. For same day, or postdated payments, you may contact us for assistance. Or respond to your confirmation email and we can cancel the payment for you (must email before 5:00 PM EST, or call before 7:00 PM EST).

We do not encourage you to use the online loan payment system to pay off your loan. Please contact us to get your exact payoff amount to avoid any shortage in payment. 

Membership/General

Yes, we offer Major Mechanical Protection (MMP). The cost varies depending on the plan type and vehicle.

To reset your username or password once you have already logged into online banking, click on the About Me tab.  If you do not remember your username or password and are unable to log into online banking, contact us at 800.487.5500.

Our routing number is 255074111.

Yes, Privilege Pay is our overdraft program that is offered at our discretion and allows you to withdraw more than your account balance for a short period of time in order to cover unexpected emergencies. In essence, we advance you the money you need to pay for the items by allowing your account balance to go temporarily negative.  We charge you a $32.00 fee for each item cleared in this manner, although there is a cap to how much your account will be charged in Privilege Pay fees ($224.00/day and $750/month). We also offer an Overdraft Line of Credit, which is a loan product that is linked to your checking account and will automatically transfer available funds to cover any insufficient funds items that are presented for payment.  Each such transfer to your checking is an advance against your Line of Credit and increases your loan balance.  While there are no fees for the transfers themselves, you will pay interest on any outstanding Line of Credit balances.  If you pay off the Line of Credit balance on the same day that it is advanced, you will not be charged any interest.

You will need two forms of state-issued identification, including one primary form such as a state-issued ID, Passport, and/or Military ID. The second form of identification can be a Social Security card, Student ID, Birth Certificate, Permanent Resident Card, Auto Insurance Card, and/or a Credit Card. If your state-issued identification does not have your current physical address, you will need to show proof of current address with another form of identification, such as current utility bill or current bank or mortgage statement.

To update the address or phone number on your account, log into Online Banking, click the Options and Extras tab and select the Verify and Update Contact Information option. 

Credit unions and banks are both financial institutions but there are significant differences in how they are operated. Banks are owned by shareholders. Their Boards of Directors are paid employees. They are for-profit institutions. Credit Unions are owned by their members and their Boards are volunteer. They are non-profit which means any profits made are returned back to the member in the form of lower rates and fees.

We award ten $2,000 college scholarships and ten $500 Summer Camp Awards annually.  Applications for these programs are typically accepted in the first quarter of each year.

We exchange foreign currency at our overseas locations.

You may visit any of our branches, along with proof of name change. Such as marriage certificate, SSN card, or government issued document. You may also send a secure message through your online banking and upload your documents and a representative will review and follow up with you shortly.

To remove a joint owner, close the account and open a new one.

Online Banking

Click on "Online Banking Enrollment" from the home page.

To reset your username or password once you have already logged into online banking, click on the About Me tab.  If you do not remember your username or password and are unable to log into online banking, contact us at 800.487.5500.

Click on the Login box from the Home Page and select Online Banking from the drop down.

Log into Online Banking and click on "eDocuments" to find your last 24 account statements.

Yes, in the Mobile App, if you have their account number and the first 3 letters of their last name. Select  "Transfer Money" and choose "Another Member's Share" or "Another Member's Loan" from the "To Account" drop down.

Yes, we do. We offer Euro Bill Pay via our Online Banking platform. The cost is just .50 per transaction or $2 for in-branch transactions.

You can pay any type of loan. However, the loan must not be past due by 45 days, or more.

To update the address or phone number on your account, log into Online Banking, click the Options and Extras tab and select the Verify and Update Contact Information option. 

Anyone with a Loan or Visa with Andrews Federal can create a login and password. You may also choose not to create a login or password. Instead, you may make a one time payment; the system will not store your information.

Credit Cards are not accepted. Loan payments must be made using your checking account information from a financial institution. However, you may make a payment with your Debit Card. To pay with a Debit Card, please call 800-487-5500. 

You may visit any of our branches, along with proof of name change. Such as marriage certificate, SSN card, or government issued document. You may also send a secure message through your online banking and upload your documents and a representative will review and follow up with you shortly.

Your username is your email address. If you forget your email address, you can re-register, but your payment information will not display any previous payment information. You will have to set your account back up.

You can request a password reset. You will receive an email from notifications@baconpay.com to reset your password.  

Payments

You can set up a recurring payment by logging into Online Banking and selecting "Bill Pay". From Bill Pay, select the first payment start date and frequency when setting up your "Payee". You may also visit any branch location or call us at 800-487-5500, for assistance.

You may access the "Visa Automated Payment" Form under the "Learn" section of the home page, then click on "Resources", and then "Forms". The form can returned to your payroll office or the agency that handles payments.

Select the "Bill Pay" tab in Online Banking and then select the "Pay a Person" option.

There are several alerts that can be created in Bill Pay by clicking on "My Accounts" and then View Alerts within the notification box. 

You should call our Contact Center at 800-487-5500 to make an escrow payment.

You may make a single loan payment up to $2,500. If you need to make a larger payment, we suggest making multiple payments, not exceeding the total loan amount. If your mortgage payment is more than $2,500, you will need to make multiple payments.

A confirmation email will be sent when you make a loan payment online. 

Andrews Federal will call you if your payment was returned. Returned payments are subject to Non-Sufficient Fund Fees/ACH. Please see Account Fee's for more information.  

Credit Cards are not accepted. Loan payments must be made using your checking account information from a financial institution. However, you may make a payment with your Debit Card. To pay with a Debit Card, please call 800-487-5500. 

You may make a loan payment up to 30 days in advance. 

You may pay any amount, up to the maximum of $2,500 per transaction.

No. Loans cannot be paid in advance. A payment is required to be made on your loan(s) each month, as stated in your loan closing documents.   

Not through the Online Payment System. You would need to call 800-487-5500 and speak with a representative. They will provide you with a form to be filled out, and signed. You will also need to provide a canceled check. 

Your username is your email address. If you forget your email address, you can re-register, but your payment information will not display any previous payment information. You will have to set your account back up.

You can request a password reset. You will receive an email from notifications@baconpay.com to reset your password.  

Yes, you can only make a total of four (4) online loan payment transactions. 

You do not have the ability to cancel your own transactions through the payment system. For same day, or postdated payments, you may contact us for assistance. Or respond to your confirmation email and we can cancel the payment for you (must email before 5:00 PM EST, or call before 7:00 PM EST).

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Andrews Federal members received over $19 Million in direct member benefits through lower fees, lower loan rates and higher deposit yields.