A+FCU will be closed Monday, October 10, for the Federal Holiday.

Find answers to our Frequently Asked Questions.
Health Savings Accounts

With an HSA, contributions made through your employer are pretax and other contributions can be tax-deductible. Earnings and withdrawals are tax-free when used for qualified medical expenses (as defined by the IRS).

Easily transfer funds* from your HSA account to your A+FCU checking or savings with A+ Online Banking or the A+ Mobile App. Select Menu > Transactions > Funds Transfers to get started.

  Opening Balance  Minimum to Earn Dividends APY
Health Savings Account $10 $100 0.30%


*If you make a withdrawal from your Health Savings Account (HSA) via A+ Online Banking or the A+ Mobile app, you acknowledge and agree that you’re solely responsible for the reporting of these transactions on taxes, and maintaining qualified medical expense documentation, and that the withdrawal will be reported as a normal qualified medical expense distribution.
APY=Annual Percentage Yield. Routing #314977104. Rates subject to change. Visit the IRS website for eligibility guidelines or the U.S. Treasury website to get more information about HSAs. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA. Declared rate from 10.1.2022 through 10.31.2022.

Business Bill Pay

Conveniently and securely pay bills, delegate payment tasks and set permissions, set up final approvals, and get on-demand customized reporting.

  • Use A+ Online Banking and the A+ Mobile app to pay bills and view payment activity
  • Set permission controls on who can make payments, types of payments, and maximum amount
  • Customized audit reports
  • View payment activity of authorized users and keep track of their payments
  • Only you and authorized users can access your account information, numbers, and payments
  • Real time access to your payments activity
  • View Business Overview
To enroll, visit A+ Online Banking and click on Business Services and select the Business Bill Pay link. After you complete the enrollment process, you’ll be notified within 3 business days that the service is active. If you have questions, call us at 512.302.6800.


Membership required. A+ Business checking account required. Business Bill Pay is $8.95 per month (15 free transactions). There is a $0.45 per transaction fee (over 15). See fee schedule.

Cash Management

A+FCU Cash Management helps simplify your most common transactions, and it’s customizable.

  • Electronic Payments and Collections
  • Payroll
  • Accounts Payable
  • Multiple User Access
  • Wire Transfers
  • Tax Payments


Merchant Services

Our trusted partner, Heartland, gives your business the ability to accept credit cards, including Visa®, MasterCard®, American Express®, Discover®, JCB®, and Diners Carte Blanche®.

  • No long-term contract
  • Competitive rates
  • Complete payment processing solution
  • 24/7 Help Desk
  • Next day settlement
  • Amex card acceptance same pricing as Visa/Mastercard


Membership required. A+ Business checking account required.