Find answers to our Frequently Asked Questions.

FAQs:

To activate your A+FCU debit card received in the mail, please call 1.800.335.4583 and follow the prompts.

After your A+FCU debit card arrives, your PIN will follow in a separate letter in 2-3 days. If the card is a reissue for an expired/expiring card with the same number, your PIN will stay the same.

Reset your PIN by visiting one of our branch locations or by calling 1.800.335.4583. You can only reset your PIN when calling in if you know your old PIN number. If you know your current PIN, you can also reset it at ATMs located at A+FCU branch locations.

Your debit card cannot be paused through A+ Online Banking or the A+ Mobile App, but it can be canceled. Once you cancel your card, it cannot be reactivated and is effective immediately.

To cancel your debit card through the A+ Mobile App, log in to your account, select Menu > Services > Block a Debit Card > select the card you would like to permanently cancel and click ‘Submit’.

To cancel your debit card through A+ Online Banking, log in to your account, click ‘Services,’ then ‘Block a Debit Card.’ Select the card you would like to permanently cancel and click ‘Submit’.

Often times when a debit card is being declined with online orders, the zip code is not matching up. Verify that your billing address is the one linked to your A+FCU account and debit card.

If your debit card is declining with an in-person purchase, it’s possible your card is being blocked for fraud or that you have exceeded your daily PIN amount. Call our Contact Center at 512.302.6800 with any questions you may have about your debit card.

You can use your A+FCU debit card with your PIN (including ATM machines) up to $600 per day.

If you’ve reached this limit, run your debit card as ‘credit’. This sometimes looks like “No Pin” or simply selecting the green button at a cash register. Ask the cashier if you’re not sure. This limit doesn’t apply to online transactions.

To add your A+FCU debit card to Google Pay, open the Google Pay app > tap ‘Payment’ > tap ‘Add’ and then select ‘Credit or debit card’ > enter your card information > verify the payment method.

For more information on Google Pay, visit support.google.com or call 512.302.6800.

To add your A+FCU debit card to Apple Pay, open your Wallet on your iPhone > tap the plus sign in the top right hand corner > follow the steps to add your debit card by scanning it or manually entering the information > verify the payment method.

For more information on Apple Pay, visit support.apple.com or call 512.302.6800.

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

Save to Win is a prize-linked savings account that offers the chance to win prizes in addition to earning regular interest. It requires a small opening deposit of $25 and allows an unlimited number of deposits during the 12-month share certificate term.

The more one saves, the more opportunity one has to win (maximum of 10 entries per month).

For every $25 increase in month-over-month balance, an account holder earns one entry into the monthly and quarterly prize drawings. There is no minimum number of deposits required, but there is a maximum of 10 entries per month and 30 entries per quarter per member.

In order to participate and be eligible to win prizes, the Save to Win Certificate must be open through the drawing period, and all participants must be:

  • 18 years of age or older
  • A state of Texas resident
  • A member with a Membership Savings account
  • In good standing

No. The rules state that the account is available only to members age 18 or older. Children may not be primary or joint account holders on an account with a Save to Win Certificate.

Credit union employees and board members are not eligible to receive prizes from the national or A+FCU-only drawings (this includes joint ownership).

No. A member is limited to one certificate per Social Security Number or ITIN.

If a member opens an account at more than one participating credit union, the account that was opened first will be the one for which the member receives drawing entries.

Members of the same household can have one Save to Win Certificate each, as long as they are each primary owners on their own account and meet other eligibility requirements.

There is a $25 minimum balance requirement to keep the certificate open.

No, there are no monthly service fees for this account.

No. PlusPoints cannot be used. Members will earn 1 PlusPoint for every $1 in dividends earned.

Yes. The Save to Win Certificate needs to be kept open for 12 months. There are penalties for early withdrawal, including account closure.

Yes. Account holders are permitted to make one withdrawal during the 12-month certificate term for a $25 fee but must leave at least $25 in the certificate to keep it open. If a second withdrawal occurs, the certificate will be closed.

Certificates must be kept open through the drawing period to be eligible for prizes.

No. Save to Win is only available for personal accounts.

The Save to Win Certificate offers account holders the opportunity to win monthly and quarterly prizes through the national and A+FCU-only drawings.

2019 Prizes

Drawing Timing A+FCU Prizes National Prizes
Monthly 5 $700 winners 175 $25 winners
Quarterly 1 $7,000 winner 2 $5,000 winners
10 $1,000 winners
17 $500 winners

A member is limited to winning one national prize per month and one national prize per quarter. However, a member is eligible to win both a national prize and an A+FCU-only prize in the same drawing month or quarter.

Prize winnings will be deposited into the member’s Membership Savings.

A+FCU will notify the winner via telephone. If a member cannot be reached by phone, an email and/or letter will be sent.

Winners who receive prize earnings that total $600 or more in a given year are required to report earnings on their next year’s tax returns and may be required to pay applicable state and federal taxes. A+FCU will send members who receive more than $600 in prizes for a given tax year a 1099-MISC form for their tax reporting purposes.

Members will receive one entry in the monthly drawing for every $25 increase in month-over-month balance, up to a maximum of 10 entries per month. Each monthly entry is also entered into the quarterly prize drawing, up to a maximum of 30 entries per quarter (see example below).

Month 1 Drawing Month 2 Drawing Month 3 Drawing Quarterly Drawing
$100 deposit $50 deposit $25 deposit NA
= 4 entries = 2 entries = 1 entry = 7 entries

The number of entries are automatically recorded once the balance is calculated at month-end processing.

No. The number of entries is based on the increase in a member’s month-over-month balance. If a member deposits $100 in a given month then withdraws that amount in the same month, the member will not receive any entries for that drawing period.

Since there’s no rounding up, the member only receives one entry for that month’s drawing.

Members can withdraw money from their Save to Win Certificate at maturity during their grace period without being assessed a penalty. Members would need to leave at least $25 in the certificate to keep it open. Members also have the option to withdraw all of their money and close the certificate at this time without being assessed a penalty fee.

Members can withdraw money from their Save to Win Certificate at maturity during their grace period without being assessed a penalty. Members would need to leave at least $25 in the certificate to keep it open. Members also have the option to withdraw all of their money and close the certificate at this time without being assessed a penalty fee.

If a member withdraws more money than they deposit at maturity or anytime during the 12 month term, they will not earn entries for that drawing period. Entries are only earned when the month-over-month balance increases.

Actual odds of winning are based upon the number of eligible entries received. For each eligible entry the chance of winning monthly or quarterly prizes is equal to that of all other entries in the raffle.

The more deposits you make, the more entries you will earn toward the monthly and quarterly drawings. There is a maximum of 10 entries per month and 30 per quarter.

Official rules can be found at aplusfcu.org/savetowin. You can also download a PDF version here.

Bill Pay is a convenient way to pay your bills electronically.

  Overview
Traditional IRA Tax-deferred retirement account
Contributions go in pre-tax and earnings grow tax-deferred
Pay taxes when money is withdrawn in retirement
Roth IRA Money goes in after tax
Earnings grow tax-free
Do not pay taxes when money is withdrawn in retirement
SEP IRA Designed for self-employed individuals or small business owners
Pay taxes when money is withdrawn in retirement

A+FCU’s Routing Number is: 314977104

A routing number is a nine-digit code used in the United States to identify and authorize the electronic transfer of funds into and out of your account. They are also known as banking routing numbers, routing transit numbers, RTNs, and ABA numbers.

The A+FCU routing number can also be found in A+ Online Banking on a checking or savings Account Details page.

You will use the routing number for services including:

  • Payroll Direct Deposit
  • Federal Payments (Government Payroll, Pension Checks, or Social Security)
  • IRS tax refunds
  • Wire Transfers into your A+FCU accounts
  • Electronic Funds Transfer to pay bills such as gym membership, insurance, and cable service

To enroll in A+ Online Banking:

  • Click on Enroll (you can also enroll by clicking “Enroll” on the A+ Mobile app)
  • If you have a Personal Account, fill out the information on the form using the Primary account holder’s information
  • If you have a Business Account, click on the Business tab at the top and fill in the form using any Authorized Signer’s information
  • Notate the Login ID and Password > click Here
  • Enter in the Login ID and Password from previous step > click Log In
  • Select how you’d like to receive your Secure Access Code > click Submit
  • Type in your five digit Secure Access Code > click Submit
  • Read the Online Banking Agreement > click I Accept
  • Verify the information displayed, but do not change anything > click Submit
  • Create and confirm a new password > click Submit
  • Click OK to change password

To enroll, you will need to submit the Member Number, Date of Birth, last four digits of the Social Security number, and Zip Code for the Primary Member (personal) or Authorized Signer (business). You will also choose a unique login ID (8-12 alpha-numeric characters).

The Secure Access Code allows your browser to save a cookie to show that you have registered the browser as a secure browser to access your online account.

If it requires you to receive a code every time you want to access your account, it means your browser is deleting this cookie. This is typically caused by a setting on your browser.

Follow the Optimal Browser Settings for your browser to set up your browser to save the cookie for registration.

Go to Preferences > Account Preferences and click on account you wish to hide. It will open up option below it. Slide the Visibility option over to Hide. You will be asked to confirm if you want to hide it or not. Click on Yes, hide. You can change this option back at any time.

Click and hold on the account and there will be a file icon that shows up in the bottom right hand corner. Drag the first account you wish to place into the group to that folder. A new group will show up with the heading New Group. Click the pencil icon next to the heading to change it.

Click and hold on the account you wish to move and then drag it down the page into a new group or in a different order.

Go to Preferences > Account Preferences and click on the account you wish to rename. The option for Online Display Name will pop up under Details.

Click on Nickname Account and it will allow you to enter a new display name for the account.

Note:  the nicknames only show up on your A+ Online Banking page and your A+ Mobile app. A+FCU Staff do not have access to see what you have named your account.

You can print checks written on the account from the Transaction History or eStatements (under the Services drop down) by clicking on the specific check transaction.

View checks deposited via mobile deposit from the main page under Deposit Check History (upper right side of page) or by going to Transactions > Online Activity > Deposited Checks.

To export your account history, click on the specific share. Once the transaction history shows, click on the download icon in the top right hand corner. It will provide you with different formats to download.

If you wish to export a certain timeframe or certain transactions, filter out the transaction you wish to export first before clicking on the download icon.

When setting up direct deposit, payroll deductions, electronic transfers, ACH payments, etc. you may be asked for specific information about your account.

  • A+FCU’s Routing Number – 314977104
  • Your 13-digit A+FCU account number
  • Share type (such as checking or saving)

Your 13-digit account number and share type can be found by logging in to Online Banking.

Online Banking > Click into specific share (such as checking) > Find MICR/Account Number (top right)

You can also find the routing number and account number on your checks (see below).

Sample check number 1234 in top and bottom right of the check, routing number 314977104 at bottom left, followed by 13-digit account number. In sample account number 1120000123456, the Share ID is 12 and the member number is 123456.

On the left side menu, click on Transactions > Member to Member Xfer. From here, you can choose to make a single transfer or to link another member’s account.

To Make a Single Transfer:
  • From Account – select account to transfer from and enter the amount to transfer
  • To Account – enter the member number of person receiving the funds, share/loan ID, account type, and first three letters of their last name
    • The member number is the 3-8 digit number on the account paperwork (ex. 123456), or after the zeros on a full account number (ex. 1120000123456) or under an account name on A+ Online Banking (ex. 123456-S12).
    • The share ID is the two digit number that follows the S on an account number displayed online (ex. 123456-S12) or the two numbers before the zeros start on a full account number (ex. 1120000123456).
    • The loan ID is the two digit number that follows the L on your account number displayed online (ex. 123456-L65).
To Link Accounts:
  • Enter the recipient’s member information including account number, share/loan ID, account type, and first three letters of their last name
  • This account information will now show in the “To” drop down whenever you select Funds Transfer

If eligible, you can easily set up your account at another financial institution through the Add External Account feature under the Transaction menu.

It’s free to transfer money into your A+FCU account (does not include fees from the other financial institution), but there is a $3.50 fee to transfer funds out of A+FCU to your other financial institution account.

After you receive the micro deposits in your external account, log back into your A+ Online Banking account and go to Verify External Account under the Transaction menu. There, you will enter the two deposit amounts for verification.

After the verification process is complete, the account number will show up in the Funds Transfer and Loan Payment options. If you do not see your account after verifying the deposits, log out and back into your account to refresh. If you continue to have issues, please contact our Member Support Team at 512.302.6800.

 

All external transfers are processed out at 4:00 pm CDT.

If your external transfer is placed on hold, an eServices Representative will contact you to complete the process.

In order to process the transaction, we must speak with you before 4:00 pm CDT, otherwise it will automatically be voided.

All incoming external transfers are deposited the following business day after the transfer date that was selected during the creation of the transfer.

All outgoing external transfers are processed at 4:00 pm CDT on the date that was selected for transfer and should be deposited no later than the following business day. The exact time is dependent on when the receiving financial institution processes their incoming ACH deposits.

You can sign up for eAlerts to be sent via text and/or email through A+ Online Banking on your desktop computer or through the A+ Mobile app on a tablet/iPad (set up is not available through the A+ Mobile app on a smartphone).

To set up, go to Services menu > eAlerts > Add New eAlert. You will first be prompted to set up your Default Delivery Options. This is required so that when setting up new alerts your information is automatically filled in based on your preferences.

After submitting your default alert options, you can click on Add New Alert again and select the alert you want to create.

Pending transactions are only held for 24 hours. If the merchant does not claim the funds within this time frame the funds are released back to you, however, the merchant is still able to collect these funds at a later date.

Your Available Balance is what is available to you at that time.

The Current Balance provides the balance without the holds or pending transactions.

Regulation D is a government regulation that only allows six electronic withdrawals from your savings account per calendar month.

Once you meet the maximum, the only way to transfer or withdraw from your savings account is in person or at an ATM.

To cancel a recurring transfer, click on Transaction menu > Online Activity > Recurring Transaction (tab at the top). To the right of the transfer, click on the Action option. From there, you can cancel or copy the transaction.

Click to go to the correct app store to download the A+ Mobile app.

Before downloading, make sure your device meets these requirements:

  • Android Compatibility: Android 4.0.3 and later is recommended
  • Apple iOS Compatibility: iOS 8 or higher is recommended, iOS 7 is compatible but may create a slightly different appearance or behavior, iPhone 4 and newer models are recommended.
  • Mobile Connectivity: 4G LTE/Wi-Fi recommended, 3G may cause connectivity issues.
  • Camera Resolution (important for Mobile Deposit): 5 megapixels or higher, 1.9-4.9 megapixels will allow caption, however quality of image can vary
  • Windows Phone, Blackberry, and Kindle Fire are not compatible with A+ Mobile
Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

To access your account with the A+ Mobile app, use the same login ID and password you use to access A+ Online Banking through a desktop browser.

If you have not enrolled in A+ Online Banking, click on the New User link on the top of this page (by the A+ Online Banking log in space).

For help, you can stop in at any branch location, call us at 512.302.6800, or email our eServices team.

Touch ID is currently available on iOS 8, 9.X, and 10.X with Touch ID capability.

To turn it on with your device, you must set it up from within the iOS. On the device, go to Settings > Touch ID > New Touch ID.

Please note that only one Touch ID is permitted per device. Multiple users cannot use Touch ID on the same device even if they have different logins/accounts.

GET STARTED
Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

Fingerprint ID is currently available on Android 4.2.X and later with touch capability.

To turn it on with your device, you must set it up from within the operating system. On the device, go to Settings > Security/Lock Screen and Security > Fingerprints/Add Fingerprint.

Please note that only one Fingerprint ID is permitted per device. Multiple users cannot use Fingerprint ID on the same device even if they have different logins/accounts.

GET STARTED

If you plan to make the payment with a credit or debit card, make sure the payoff quote is for the day you will make the payment. You can generate a payoff quote by going to Loan Services > Loan Payoff.

If you plan to make a payment with an external transfer, you’ll want your payoff quote for the following business day to allow for processing. If it’s after 4:00 pm, you will want your payoff quote to be for the second business day.

Log in to A+ Online Banking. Click on the Services menu > eStatements. A new tab will open with links to your eStatements.

Log into your A+ Online Banking account. Under the Services menu, click on Block a Debit Card and select the card number to block. You will be required to provide a reason for blocking the card.

With the A+ Card Guard app, you can suspend your debit card in the event you think it may be lost or stolen and reactivate when you’re ready.

After logging into your A+ Online account, click on Services menu > Check Reorder.

To set up Touch ID for use with the A+ Mobile app:

  • Launch the A+ Mobile app. Click on Touch ID.
  • Review the Touch ID Login description and click on Enroll Now.
  • Enter login ID and password. Click Authorize.
  • Place finger on Home button to verify fingerprint.
  • Touch ID Enabled screen will display. Continue through the login process.
GET STARTED

To set up Fingerprint ID for use with the A+ Mobile app:

  • Launch the A+ Mobile app. Click on Fingerprint Login.
  • Review the Fingerprint Login description and click on Enroll Now.
  • Enter login ID and password. Click Authorize.
  • Touch sensor to verify fingerprint.
  • Fingerprint Verified screen will display. Continue through the login process.
GET STARTED

If you’re not able to use your Touch ID/Fingerprint ID to access the A+ Mobile app, make sure your password hasn’t been changed recently and that Touch ID/Fingerprint ID is set up on your device. You can always access your account by entering your login ID and password.

If you continue to have issues, please contact us at 512.302.6800.

Por favor seleccione una de las siguientes opciones para obtener ayuda con su cuenta:

Yes. When you open the A+ Mobile app, click cancel when prompted for Touch ID/Fingerprint ID, and manually enter your login ID and password.

A passcode is a four-digit code that allows you to log in to your account on the A+ Mobile app without needing to enter your password.

To set up a passcode:

  • Launch the A+ Mobile app.
  • Click on Passcode.
  • Review Passcode description and click on Enroll Now (iOS) or Create Passcode (Android).
  • Enter login ID, then password, and click Authorize.
  • Enter four-digit passcode. Confirm passcode on next screen.
  • Passcode Enabled screen will display. Continue through the login process.
GET STARTED

Text Banking allows members age 13 and older who have a mobile phone with texting capabilities to opt-in to receive information from A+ Federal Credit Union Text Banking.

To learn more and enroll, log in to A+ Online Banking and click the Services menu > Text Banking Enrollment.

Once you’re enrolled, you’ll receive a welcome text message. Text LIST and hit send to get a list of commands with abbreviations on obtaining balances, conducting transfers, and more.

Mobile Deposit is available for every member over the age of 18 with a valid checking account that has had their account open for 90 days and whose membership is in good standing. Members with Opportunity Checking accounts are not eligible for this feature.

Yes. Mobile deposit checks must be endorsed with a signature and you must legibly write “For Mobile Deposit Only to A+FCU”.

Additionally, you must sign and endorse in a dark ink.

If these requirements aren’t met, your check will not be processed and deposited to your account.

To enable your camera, go to your device’s settings and then to the A+ Mobile App. From there, turn on the Camera.

Consumers

Bill Pay is free when actively utilized. An inactivity fee of $7.50 is assessed if no payments are processed during a calendar month.

Businesses

Business Bill Pay is $8.95 per month (15 free transactions). There is a $0.45 per transaction fee (over 15).

The Security Key is a phrase or word you choose that will show up on the Bill Pay page when you are redirected to the Bill Pay site. This is a security measure to help ensure you know you were redirected to Bill Pay and not a fraudulent site.

A mobile wallet is a way to carry your credit card or debit card information in a digital form on your mobile device. Rather than using your physical plastic cards to make purchases, you simply use your smartphone, tablet, or smartwatch.

Mobile wallets utilize NFC (near-field communication) which allows two compatible devices to be placed near each other and exchange data. When you place your device near an NFC-powered terminal and authorize the sale, the balance of your purchase will be subtracted from your A+FCU checking account.

To cancel a bill pay payment, log in to A+ Online Banking > Transactions > Bill Pay > Payment History (at the top). You will see a list of your payments, click on Action > Cancel.

Note: If you cancel a payment that is part of a recurring series, it will cancel the whole series.

Go to Bill Pay > Advanced Options > Visit Bill Pay Site. Once redirected to the Bill Pay site, look under the Pending section for the correct payment. Click on Edit beside the scheduled payment to edit the payment series or cancel the payment series.

myFinance is a money management tool, integrated into A+ Online Banking and the A+ Mobile App, that empowers you to take control of your finances and simplify your life. With the myFinance account aggregation feature, you’ll be able to combine all your financial account balances and transactions from various financial institutions into one place to get a complete financial picture.

No. If you need to schedule a payment from a different membership, you’ll need to log in to that membership separately to enroll it in Bill Pay. However, you’re able to add other checking accounts associated with the same membership by going to Options in the Bill Pay site.

eBill allows you to view digital statements and pay and track bills within your Bill Pay dashboard. It’s a free option provided for eligible payees.

Through A+ Online Banking, click Transaction > Bill Pay > Advanced Options > Visit Bill Pay Site.

On the Advanced Bill Pay dashboard, look for “Set up eBill” below the payee’s name. Click on “Set up eBill” next to eligible payees and follow the prompts.

Android: you need an Android phone running Kit Kat (4.4) or higher and your phone needs to support NFC (Near Field Communication) and HCE (Host Card Emulation). Find out how to check your phone here.

Apple Pay: compatible with iPhone, iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone SE, Apple Watch (paired with iPhone 5 or later), iPad, iPad Pro, iPad Air 2, iPad mini 4, iPad mini 3.

Samsung: compatible with Galaxy S7, Galaxy S7 active, Galaxy S7 edge, Galaxy S6, Galaxy S6 active, Galaxy S6 edge, Galaxy Note5, Galaxy S6 edge+.

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

  • Look for the app on your phone as several devices already have Google Pay preloaded. If yours doesn’t, visit the Google Play store and download the app
  • Add your A+FCU Debit card — it’s as simple as snapping a photo
  • Unlock your phone and pay confidently at over a million locations in the U.S. that accept contactless payments.

Need more details on getting set up? Visit the Google Pay Help Center if you have any further questions.

Enjoy the convenience of making your purchases with your A+FCU debit card securely with a single touch at thousands of stores and in participating apps.

  • Confirm your compatible device has the latest version of iOS
  • To pair your A+FCU debit card, open Settings > Wallet > Apple Pay > Add Credit or Debit Card

Need more details on getting set up? Visit here.

 

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

  • Make sure your compatible* Samsung device is updated with Samsung Pay
  • Take a picture of your A+FCU debit card with your device’s camera
  • Secure it with your fingerprint and backup PIN and you’ll be ready to go

Visit the Samsung Pay Support page if you have any further questions.

*Only compatible with select cards, carriers and Samsung devices. See the Samsung Pay Support page for compatibility information.

No, you cannot set up eAlerts through the A+ Mobile app. They must be set up when you are logged in to your account from a web browser.

Find your payee on the Payee list. Click on the three horizontal dots to the right of your payee and choose Delete Payee.

Note: deleting a payee will remove the payee name as an option to sort through Payment History.  If you wish to keep the payee active to make this sorting process easier, we recommend changing the payee nickname.

To view only the payee you want to pay, click on the payee nickname and it will bring up that one payee for you to set up a payment.

A chip card has a microchip on the front and the traditional magnetic stripe on the back. It may also be called an EMV card. The microchip provides additional security when used at chip-activated terminals or ATMs. The chip card is widely accepted in over 130 countries worldwide.

The chip card is more secure for in-store purchases than traditional cards and is more difficult for fraud organizations to target card holders and businesses. A unique one-time code is generated for each transaction and makes it virtually impossible to replicate – giving you greater security and peace of mind when making store purchases. Of course, you’re still protected against unauthorized use with Visa’s Zero Liability policy.

Visa’s Zero Liability Policy covers U.S-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify A+ Federal Credit Union immediately of any unauthorized use.

To get started in A+ Online Banking, log in to your account at aplusfcu.org. Above your Accounts, you’ll see Spending, Budget, Trends, Net Worth, Debts, and Link Account. Click on Link Account to add other financial institution accounts or one of the other financial tools to aggregate just your A+FCU accounts.

To get started in the A+ Mobile App, log in to your account and click the toolbar on the bottom of the screen labeled Financial Tools. From there you can see Spending, Budget, and Link Accounts. Click on Link Account to add other financial institution accounts or one of the other financial tools to aggregate just your A+FCU accounts.

With a Home Equity Loan, you borrow a lump sum all at once for a set amount of time and at a fixed interest rate.

A HELOC is a revolving line of credit secured by the equity you have in your home which allows you to borrow how much you need when you need it.

The chip contains information used to process transactions at the merchant terminal or ATM. No personal information or location tracking is stored on the chip.

You can use your new debit card everywhere Visa is accepted, including chip-activated terminals, traditional terminals, ATMs, and online.

Yes, your new card will continue to have a magnetic stripe on the back and can be used at traditional terminals.

When using a chip-activated terminal, you may be prompted to sign, enter your PIN, or in some cases do nothing to complete the transaction. When withdrawing cash at an ATM, you will need to enter your PIN.

Due to the cost and design limitations, individual card selection is not available.

We do offer debit cards that support specific schools and school districts at the specified branches.

  • Click on Link Account located in the top right hand corner of A+ Online, at the bottom of your Overview Page, or under the Financial Tools option on A+ Mobile.
  • Select your financial institution from the list or search using the search bar located at the top. Once you find your financial institution, log in with your online banking credentials for that financial institution.
  • As it begins linking your account, you will have the option to Link More Accounts or Close, which will take you back to the Overview page. Your account(s) will continue to aggregate in the background.
  • If you chose to close the window, then you will receive a notification at the top of your online/mobile banking that states “Account(s) Ready” once your account information has been retrieved. By clicking on this notification, you will be able to finalize the process.
  • After the account(s) have been retrieved, you will have the option to unselect the accounts you do not want pulled over and/or select if you want the account to be visible on your Overview page.
  • Clicking Continue will finalize the process. If you chose to make the account visible, then it will be listed under “Linked Accounts” on your Overview page.

Trouble adding your account? Here are some tips:

  • Check all the available account types listed under an institution when you search. Sometimes mortgage, savings, credit card, etc. accounts are listed separately. You might also have to search for the specific account (i.e., “Bank of America mortgage,” as opposed to just “Bank of America”).
  • Verify your username and password with your institution to ensure your credentials haven’t expired. Sometimes signing in can unlock a frozen account connection.
  • Allow your institution to accept third-party access by changing the preferences on their site.
  • Make sure the software isn’t waiting for your response to a security question. There will be a notification provided to you if security questions need to be entered.
  • If a connection breaks, you may have to enter your credentials again.

  • Go to the Menu on the left hand side and click on Preferences then Account Preferences.
  • A list of all your A+FCU and linked accounts will appear. Click on the Linked Account you wish to remove.
  • Under the Visibility option will be an option to Remove.
  • A warning code will pop up. If you wish to continue, select ‘Yes, remove.’

Note: You can’t remove A+FCU accounts.

This can happen if a prior transaction was categorized differently or if our provider believes this merchant is a different type of store. To correct it for the future, click on Spending, find the transaction, and change the category. You’ll receive a notice asking if you want to change all past and future transactions for that merchant to the new category. If so, click ‘Yes. Apply to All.’ If you dismiss the notification then it will only apply it to the one transaction you selected.

Yes, if you click on any transaction (including A+FCU transactions) you will be provided with a pencil icon that when clicked will allow you to change the online description of this transaction.  It will not affect the description that shows up on your statement and/or when you log into that account directly.

You can’t delete the transaction, but you can exclude it so that it is not included in your Budget.  To do this, pull up the transaction within the Budget or Spending tool, click on the three horizontal dots in the top right hand corner, and choose Exclude.

This indicates where you are at during the month in regards to reaching your budget:

Green = Less than 75% of the way to reaching your budget
Yellow = Over 75% of your budget has been reached, but you have not exceeded your budget
Red = Budget has been met and/or exceeded

Call A+FCU at 512.302.6800 or send a secure message through A+ Online or the A+ Mobile App.

When sending a secure message please make sure to select “Online Banking and Bill Pay Support” from the drop down menu.

The state of Texas has set parameters to calculate how much you can borrow.

The first parameter will allow you to borrow up to 80% of the Fair Market Value (FMV) of the home, less any liens you may already have on the home. This means the amount of your combined mortgage and your new HELOC cannot be more than 80% of the value of your home.

The second parameter specifies that the loan amount on a Home Equity Line of Credit cannot exceed 50% of the Fair Market Value of your home.

Fair Market Value = $100,000

(FMV) x 80% = $100,000 x .80 = $80,000
Less any lien = $80,000 – $40,000 = $40,000
Potential Credit Line = $40,000

HELOC < (FMV) x 50% = $40,000 < $50,000

With the Traditional IRA, funds go in before tax and grow tax-deferred until withdrawn. They are more attractive than ever because expanded income limits mean more people will be able to make tax-deductible contributions. In addition, penalty-free withdrawals are allowed for qualified higher-education expenses and for a first-time home purchase.

With the Roth IRA, the money you contribute goes in after tax and the earnings grow tax-free. Not only can funds be used for retirement, but there are certain exceptions to withdraw earnings without penalty such as a first-time home purchase. This flexibility makes the Roth IRA appealing to many different age and income groups with an easy and safe way to plan for the future.

With a traditional IRA, your contributions may be tax-deductible and earnings are tax-deferred, meaning you pay taxes on most traditional funds upon withdrawal. In contrast, Roth IRA contributions are always made with after-tax dollars, but qualified withdrawals are tax-free – including your earnings.

Some withdrawals from Traditional or Roth IRAs may be subject to additional penalties if they are taken improperly or at the wrong time. Please consult your tax advisor for additional information.

  • Earnings grow tax-deferred until withdrawn
  • Contributions may be tax-deductible

  • Earnings grow tax-free
  • Regular contributions can be withdrawn tax and government-penalty free at any time
  • After the account has been open five tax years, earnings can be withdrawn tax and penalty-free for any of these reasons: age 59 1/2, disability, death, or a first-time home purchase (lifetime limit for exemption on first-time home purchase is $10,000)

There is a $25,000 minimum loan amount with a $4,000 minimum draw which we require you to take when you first establish your line of credit. Draws may be made during the first five years.

Your payment must be equal to or exceed the amount of accrued interest. Payments will be based on the credit limit over a 20 year payback. Repayments are required in regular, periodic intervals of your choice, but cannot be made more often than every 14 days and no less than monthly.

Yes, as long as it has been over 12 months since your current Home Equity Loan was funded.

In the State of Texas, you are only allowed one equity loan at a time. You can convert an existing Home Equity Loan into a HELOC.

Mobile homes and modular homes, even on permanent foundations, are not eligible for this program. A residence that is not the member’s primary residence or is not a single family dwelling will also not qualify.

For the most accurate contribution limits, visit the IRA contribution limits from the IRS.

Traditional IRA – must have earned compensation and be under age 70 ½.

Roth IRA – must fall within certain modified adjusted gross income (MAGI) limits to make the full contribution limit. See how much you can contribute here.

“Catch-up” contributions are specifically designed to help those who are getting closer to retirement catch up on their retirement savings.

You are eligible as long as you’re at least 50 years old during the year the contribution is for and as long as you meet the eligibility requirements for Traditional or Roth IRAs.

At A+FCU, your IRA funds can be invested in a StartUP IRA, IRA Savings, IRA Certificate, or a Plus Advantage IRA Certificate.

If you are interested in other investment options (such as securities), talk with our A+ Wealth Management Financial Advisors.

Texas law requires a minimum 12 calendar day waiting period from the time the written application and the Texas Home Equity Loan Disclosures are received to the day you can close.

There is also an additional three business day Right of Rescission period before the loan can be funded, which is required by both state and federal laws. With the required waiting periods, the minimum time it will take to receive your money is 15 days, but this will depend on processing time and weekend or holiday schedules.

A simplified employee pension (SEP) plan is a way for small businesses to offer a retirement plan to their employees. An SEP plan allows the employer to make contributions to their own traditional IRA and those of their employees instead of establishing a complex retirement plan.

  • Employer picks the plan that they want to use (Pro Rata Allocation or Social Security Integration)
  • Employees receiving SEP contributions can also make regular IRA contributions under the normal contribution rules
  • SEP contributions are cheaper for the employer to pay to employees than wages
  • A+FCU handles contributions, tax reporting, withdrawals, etc.

Call our IRA Counselors at 512.302.6800 for more information on how to secure the financial future for you and your employees.

How do I apply for a mortgage loan?

You can easily apply online for any of our mortgages. Completing the application is quick and should take you 15 minutes. You will receive a call from one of our Mortgage Lending experts within 24 hours to discuss options.

Can I apply for a loan before I find a property I want to purchase?

Yes. Applying for a mortgage before you find a home is beneficial and recommended. When you apply in advance, we issue a pre-qualification letter that assures your real estate broker and seller that you are a qualified buyer. It also helps guide you to the right price range to fit your budget.

What documents will you need to process my loan?

The Checklist of Documents for Mortgage Application provides a list of documents that will most likely be requested. A Mortgage Loan expert will advise you on what to submit and the different methods to submit.

 How is  income considered?
Type of Income Proof Required How it’s Considered/Things to Know
Self-Employed Personal (and business, if applicable) federal tax returns for past two years and Year to Date Profit and Loss Statement Average the net income that is reported on your tax returns
Commission W-2 statements for past two years and recent pay stub Average the amounts received over past two years to determine amount considered as part of regular income
Overtime and Bonus W-2 statements for past two years and recent pay stub Will not be considered if not received for at least one year
Second Job W-2 statements Considered if a one-year history can be verified
Retirement Recent pension check stubs or bank statements (if direct deposited) and award letter Award letter may be requested to verify income will continue for at least three years
Rental Most recent year’s federal tax return Review Schedule E to verify your rental income after all expenses except depreciation
Dividend/Interest Two years tax returns and copies of statements from your financial institutions and brokerage accounts, stock certificates, or promissory notes Calculate an average amount to include as income
Child Support/Alimony 24 months history of payments Only considered if you want it considered
Are student loans that are not yet in repayment considered as debt?

All student loans, regardless of deferment, are now considered on all loans. If a payment has not been established, a 5% rule is applied as a payment.

If I have co-signed a loan for another person, does that affect my ability to get a mortgage?

Generally, a co-signed debt is considered when determining your qualifications for a mortgage. If the co-signed debt does not affect your ability to obtain a new mortgage we leave it at that. However, if it does make a difference, we can ignore the monthly payment of the co-signed debt if you can provide verification that the other person responsible for the debt has made the required payments by obtaining copies of their personal cancelled checks for the last 12 months.

Will a past bankruptcy or foreclosure affect my ability to obtain a new mortgage?

If you have had a bankruptcy or foreclosure in the past, it will affect your ability to get a new mortgage. Unless the bankruptcy or foreclosure was caused by situations beyond your control, we generally require four years to pass after the bankruptcy or foreclosure. It’s also important to see that you re-established an acceptable credit history with new loans or credit cards.

Does having multiple employers within the last few years affect my ability to get a new mortgage?

Generally, changing employers frequently will not hinder you from obtaining a new mortgage loan, especially if you didn’t have periods without employment. We will also look at your income advancements with your changes.

If you are paid on a commission basis, a recent job change may be an issue since we may have a difficult time predicting your earnings without a history with your new employer.

If you are newly receiving commission, and were previously W2’d, that will be an issue, as we are required to document a two year history of receiving commission income to be able to consider it.

I was in school before obtaining my current job, how do I complete the application?

Enter the name of the school you attended and the length of time you were in school in the Length of Employment field. You can enter a position of student and income of 0. Be prepared to provide transcripts to support course curriculum that can be linked to current employment.

What should I enter on my application if I am relocating for a new job but haven’t started yet?

If you will be working for the same employer, complete the application as such but enter the income you anticipate receiving at your new location.

If you will be working for a new employer, complete the application as if your new employer is your current employer and indicate that you have been there for one month. Enter the information about the employment you are leaving as a previous employer. It’s recommended that you also discuss with your mortgage expert.

You will need to provide one month of paystubs from your new employment before we can close.

Using your Visa® Gift Card signifies that you accept the Terms and Conditions.

You can use your Visa Gift Card anywhere a Visa Debit Card is accepted.

You cannot use your card at an ATM. However, you can create a Personal Identification Number (PIN) to use for point-of-sale transactions.

Visa recommends that you register your card to protect your rights if your Visa Gift Card is ever lost or stolen. By registering your card, it makes the process of refunding your money for unauthorized purchases easier.

In addition, if you wish to make purchases on the internet, through mail-order, or plan to use a PIN for point-of-sale transactions, you will need to register your card prior to performing these transactions or the transaction may be declined.

Your card can be registered by calling 888.373.2884 or online.

No, your Visa Gift Card is not tied to your credit in any way.

Currently, you cannot reload your Gift Card. Your Visa Gift Card is intended for use until the balance is depleted. Once you have used up your balance, you can destroy and throw away your card.

Yes, you can use your Visa Gift Card at a gas station. However, if you have a low balance on your card, you may not be able to use it because of the required “pre-authorization” amount set by your financial institution. Some financial institutions place a higher pre-authorization amount on gas pump purchases to ensure you have enough money on the card for a full tank of gas. If you wish to use your Gift Card, pay inside with the cashier instead.

If your Visa Gift Card is lost or stolen, contact us at 888.373.2884.

Yes, you can still use your card even though your name doesn’t appear on the card. Your identity is verified by a retailer by checking your signature on the back of your card to your signature on the receipt or electronic receipt.

For this reason, you will want to sign the back of your card as soon as you receive it.

How does my credit score affect my application?

Your credit score is one piece of information that we use to evaluate your application. Credit scores used for mortgage decisions range from approximately 300 to 900. Credit scores help our mortgage experts quickly and objectively evaluate your credit history when reviewing your loan application.

Does the credit inquiry from the application affect my credit score?

Numerous credit inquiries can sometimes affect your credit scores since it may indicate that your use of credit is increasing. However, data used to calculate your credit score does not include any mortgage or auto loan credit inquiries that are made within the 30 days prior to the score being calculated. Additionally, all mortgage inquiries made in any 14-day period are considered as one inquiry.

Pending transactions are authorized transactions, and a hold is placed on your card for the purchase amount. Posted transactions are purchases that have cleared on your card and the funds have been deducted.

There might be some pending transactions that are more or less than the amount you actually spent. This is because some retailers place a pre-authorization amount on your card for more or less than the total of the purchase. For example, gas stations might make a pre-authorization for a smaller amount, such as $1.00, to ensure the account is active.

Once you have completed your purchase, an actual authorization is sent in the amount of your purchase.

Typically, your available balance is less than your actual balance because your available balance reflects purchases you have made that have been authorized, but may not have cleared your account. There are some cases, such as when you have returned merchandise purchased with your gift card, that your available balance will be more than your actual balance.

Can I borrow funds to use towards my down payment?

Yes, however, any loan you take out for a down payment must be secured by an asset that you own such as a car or another home. If you plan on obtaining a loan, make sure to include the loan details in the expenses section of your application.

Can I use a monetary gift towards my down payment?

Gifts are an acceptable source to use towards a down payment if the gift giver is related to you or the co-borrower on the mortgage. A letter signed by the giver and yourself is required to confirm that the funds are a true gift and not a loan.

If the appraised value of my property is more than the purchase price, can I use the difference towards my down payment?

No. We will use the lower of the appraised value or the sales price to determine your down payment requirement.

What are points?

A point is a form of interest. Each point is equal to 1% of the loan amount you are borrowing. You pay points at your loan closing in exchange for a lower interest rate over the life of your loan. This means you will be required to bring more at closing. By paying points, you will lower monthly payments over the term of your loan.

Should I pay points to lower my interest rate?

To determine whether it makes sense for you to pay points/origination, compare the cost of the points/origination to the monthly payment savings created by the lower interest rate. Divide the total cost of the points/origination by the savings in each monthly payment. This calculation provides the number of payments you must make before you actually begin to save money by paying points/origination. If the number of months it takes to recoup the points/origination is longer than you plan to have the mortgage, you should consider the loan program option that does not require points/origination to be paid.

Is comparing APRs the best way to decide which lender has the lowest rates and fees?

The Annual Percentage Rate (APR) is designed to present the actual cost of obtaining financing, by requiring that some, but not all, closing fees are included in the calculation.

These fees, in addition to the interest rate, determine the estimated cost of financing over the full term of the loan. However, it’s important to remember that most people do not keep the mortgage for the entire loan term and the added costs are usually paid upfront – not over the life of the loan.

Also, the APR is an effective interest rate—not the actual interest rate. Your monthly payments will be based on the actual interest rate, the amount you borrow, and the term of your loan.

How do I know if it’s best to lock in my interest rate or to let it float?

Mortgage interest rates are as hard to predict as the stock market and no one knows for certain whether they will go up or down. If you have a hunch that rates are on an upward trend then you may want to consider locking the rate as soon as you can. Before you decide to lock, make sure that your loan can close within the lock period.

When can I lock in my interest rate and points/origination?

In order to lock in an interest rate, we need a full and complete loan application (along with credit report and all income and asset information), a signed “Intent to Proceed”, and signed initial disclosures.

Once our Mortgage Loan Officers have reviewed your documentation and credit package, we will notify you when you are able to request the rate lock.

What is the Rate Lock Policy?
  • General Statement. The interest rate market is subject to movements without advance notice. Locking in a rate protects you from the time that your lock is confirmed to the day that your lock period expires.
  • Lock-In Agreement. A lock is an agreement between the borrower and the lender that specifies the number of days for which a loan’s interest rate and points/origination are guaranteed. Should interest rates rise during that period, A+FCU is obligated to honor the committed rate. Should interest rates fall during this period, the borrower must honor the lock.
  • Fees. A+FCU does not charge a fee for locking in your interest rate.
  • Lock Period. A+FCU currently has a 60 day lock-in price for our online application. Additional lock periods can be discussed with your mortgage professional after completing the application.
  • Lock Confirmation. When you submit your online application, the loan rate agreement will show that you are floating. When you lock your loan with your mortgage professional, a loan rate agreement will be provided.

What is a fixed-rate mortgage?

A fixed-rate mortgage is a mortgage with an interest rate that stays the same for the entire term of the loan. Monthly mortgage payments (principal and interest) remain the same for the life of your loan.

How much money will I save by choosing a 15-year rather than a 30-year fixed rate loan?

A 15-year fixed rate mortgage gives you the ability to own your home free and clear in 15 years. And, while the monthly payments are somewhat higher than a 30-year loan, the interest rate on the 15-year mortgage is usually a little lower, and more importantly, you pay less than half the total interest cost of the traditional 30-year mortgage.

What is an adjustable-rate mortgage?

An adjustable-rate mortgage (ARM) is a loan type that offers a lower initial interest rate than most fixed-rate loans. The tradeoff is that the interest rate can change periodically, usually in relation to an index, and the monthly payment will go up or down accordingly.

Against the advantage of the lower payment at the beginning of the loan, you should weigh the risk that an increase in interest rates will lead to higher monthly payments in the future. In short, you get a lower rate with an ARM in exchange for assuming more risk.

What is an appraisal and who completes it?

The appraisal is a required report that determines the value of the property you are purchasing or refinancing.

National standards govern the appraisal’s format and specify an appraiser’s qualifications and credentials. Additionally, Texas has specific licensing requirements for appraisers evaluating properties within the state. The appraiser is not an employee of the credit union and it is an independent evaluation.

Do I get a copy of the appraisal?

As soon as we receive your appraisal, we update your loan with the estimated value of the home. As a standard practice, we provide a copy of your appraisal at closing.

Do I need a home inspection AND an appraisal?

No. While both a home inspection and an appraisal are designed to protect you against potential issues with your new home, we do not require a home inspection. However, getting one is highly recommended.

How long does it take for the property appraisal to be completed?

We order the appraisal as soon as the credit report fee is paid. Licensed appraisers who are familiar with home values in your area perform appraisals and it generally takes 10-14 days before the written report is sent to us. We follow up with the appraiser to ensure it is completed as soon as possible. If you are refinancing and an interior inspection of the home is necessary, the appraiser should contact you to schedule a viewing appointment.

What is title insurance?

Title insurance assures that you have clear title to the home you’re purchasing. A title search is the primary component of “due diligence” and will determine whether the seller actually owns the property or if there are any claims against it.

What is mortgage insurance?

Mortgage insurance makes it possible for you to buy a home with less than a 20% down payment. It protects the lender against the additional risk associated with low down-payment lending.

What types of insurance are required when I purchase a home?

Selecting the right insurance for your home is important. All mortgage loans will require a new homeowner to acquire homeowners insurance to protect the home from damage and theft.

If your home lies within a flood zone, you will also be required to obtain flood insurance. Additionally, a Flood Elevation Certificate may be required to determine the appropriate coverage amount required.

We partner with TruStage Home Insurance as another way of looking out for you. They offer a number of plans to protect your house, apartment or condo, and since you’re an A+FCU member, you may qualify for special discounts.

LEARN MORE

Who from A+FCU will be at the closing?

The closing agent acts as our agent and will represent A+FCU at the closing.

Will I need to have an attorney represent me at closing?

Attorneys are not common at a real estate closing in Texas.

Where does the closing take place?

We will schedule your closing to take place at the office of the title company. We deliver our loan documents and we wire transfer your loan funds to the closing agent prior to closing so that he or she has plenty of time to prepare for your closing.

What happens at the loan closing?

During the closing, you will review and sign several loan papers. The closing agent conducting the closing should be able to answer any questions you have. To ensure that there will be no surprises at closing, your mortgage expert will contact you to go over the final figures the day before closing.

If I am selling my current home to purchase a new home, what documentation is required before I close?

If you are selling your current home to purchase a new home, you need to provide a copy of the Closing Disclosure (CD) you receive at the sale of your current home to verify the mortgage has been paid in full and that you have sufficient funds for the closing on your new home. Often the closing of your current home is scheduled for the same day as the closing of your new home. If that is the case, bring your Closing Disclosure with you to your new mortgage closing.

What are closing fees and how are they determined?

A home loan often involves many fees, such as the appraisal fee, title charges, closing fees, and state or local taxes. These fees vary from lender to lender. A+FCU will provide you with a complete and accurate estimate.

What other costs might I have to pay at the closing?

Your mortgage expert will let you know what costs you will need to pay at closing.

  • Origination fees
  • Initial deposit into escrow account
  • Up to two months of mortgage insurance
  • First year’s homeowners insurance premium (paid prior to closing)
What is an escrow account?

An escrow account requires borrowers to make monthly payments toward real estate taxes and/or home-related insurance as part of the regular monthly mortgage payment. Bills for the taxes and/or insurance are sent directly to the lender (A+FCU) or investor who makes the required payments.

Can I have my monthly payment automatically debited from my checking account?

Automated monthly payments are available. At the loan closing, an automated payment application will be provided. Simply return it at your earliest convenience to enroll in the automated payment program. You can also schedule automatic payments online through A+ Online Banking.

Can I make mortgage payments online?

Yes. You can use the Loan Payment feature in A+ Online Banking to pay your mortgage or you can set up automatic drafts.

Can I manage my mortgage account online?

Yes. A+FCU offers all mortgage clients 24/7 secure access to their mortgage account through A+ Online Banking.

With A+ Online Banking you can:

  • Make a payment
  • Set up automatic payments
  • Review loan activity
  • Evaluate payoff information
  • Review year-end statement
  • View your escrow account

Your Visa Gift Card can only be used to make purchases up to the amount on the card. Most retailers send a pre-authorization for the amount of the purchase to ensure that your card has enough money for the purchase. If you attempt to make a purchase for more than the amount available on the card, the transaction will be declined.

No, the A+ Card Guard app requires its own login ID and password combination. To set up your account for the A+ Card Guard app, click on CREATE ACCOUNT at the top of the A+ Card Guard app home screen and enter your information.

eAlerts are emails sent to you to notify you of certain transactions or events happening on your account. Each eAlert can be sent to multiple email or cell phone addresses within minutes of the actual transaction.

Log in to A+ Online Banking > Services > eAlerts. Choose the type of eAlert you would like to set up from the dropdown.

Email Addresses, Cellular Phone Addresses, Notification Times, Detail Level, and Nickname can all be assigned default values by defining your account’s Default eAlert Settings. These default values will be pre-filled each time you add a new eAlert to your account, making the process even quicker and easier.

Once you define your Default eAlert Settings, any future eAlerts you add will have the default values you specify pre-filled wherever they are appropriate. You can overwrite these defaults on any eAlert at the time of addition if you’d like.

Click the edit button next to the eAlert you would like to change. This will bring up a form that will allow you to edit all of the details for this eAlert. Click the Continue button once you have completed your changes.

You can change your Default eAlert Settings at any time just like any other eAlert. Any changes made will not be automatically applied to eAlerts already defined on your account. You do have the option to overwrite all of your existing eAlerts with your new Default Settings. To do this, check the “Please overwrite all my existing eAlerts with these Defaults” box when editing your Default Settings.

The changes will not be applied to any of your existing eAlerts automatically. You do have the option to overwrite all of your existing eAlerts with your new Default Settings – you just need to check the “Please overwrite all my existing eAlerts with these Defaults” box when editing your Default Settings.

Click the “Delete” button next to the eAlert you would like to stop receiving. This will remove this eAlert from your account. To stop receiving all eAlerts you can simply delete all eAlerts that you are signed up for.

Yes. You must know the email address of your cellular phone and the standard text messaging charges from your service provider will apply. Due to message length, you may receive an abbreviated version of a “Moderate” or “Specific” detail level eAlert when it is being sent to a cell phone.

This alert will notify you when your card is used online or over the phone.

No, you aren’t required to have an email address to make purchases with your card. However, your email is useful if you ever forget your password on the website so we can send it to you.

We do offer members who qualify an opportunity to skip a payment on certain loans.

  • All loans must be current
  • No share accounts may be negative
  • Certain loans are ineligible for skip a pay

Other restrictions may apply. Please contact us at 512.302.6800 with questions.

If you are interested, you will need to complete the Skip-A-Payment form.

We do offer members opportunities to change due dates on certain loans.

  • You have made your first payment
  • All loans must be current
  • No share accounts may be negative
  • Certain loans are ineligible for due date changes

Other restrictions may apply. Please contact us at 512.302.6800 with questions.

Yes. You can easily suspend your A+FCU debit card through the Card Guard app by going to Manage Card, then select Suspend. Click Reactivate to use again.

You can add any debit card issued by A+FCU.

Cards issued by other companies or financial institutions, including Elan CardMember Services, cannot be added to this app.

To remove a card:

  • Scroll to find the card you wish to delete
  • Click on the card image at the top
  • Click the trashcan icon in the top right hand corner to remove

The email address is made up of the phone’s 10-digit phone number@service provider’s gateway. Some examples are listed below. You can check with your service provider if it is not listed.

  • AT&T/Cingular: [10-digit phone number]@cingularme.com
  • Cricket: [10-digit phone number]@mms.mycricket.com
  • Nextel: [10-digit phone number]@messaging.nextel.com
  • Sprint: [10-digit phone number]@messaging.sprintpcs.com
  • T-Mobile: [10-digit phone number]@tmomail.net
  • Verizon: [10-digit phone number]@vtext.com
  • Virgin: [10-digit phone number]@vmobl.com

The A+ Card Guard app requires that you keep an email address listed at all times. Before you can remove the old email, you will need to add a new one.

To add an email address, click on the plus sign (+) in the top left hand corner and go through the process of adding your new email address.

Once you have successfully added the new email address and designated it as your primary email, you can delete the old one. In the top left hand corner, click on the three horizontal lines > Settings > User Profile > Manage Email Address > Delete.

To remove a phone number from the Mobile section, just click on the number and then Delete when prompted.

You do have the option to turn off email/text notification for each alert without removing your email or phone number completely.

On most eAlert setup screens there are two fields called “Send eAlerts From” and “Send eAlerts Until”. Enter the time range you would like your eAlerts to be sent.

If an eAlert is triggered outside of your chosen time range, your eAlert will be sent the following day. The exception to this is the Daily Balance eAlert. For this eAlert type you need to choose a “Notify Me At” time to be notified once a day.

If you would like to receive all of your eAlerts at a specific time every day, simply set “Send eAlerts From” and “Send eAlerts Until” to the same time, making sure to choose a time during normal business hours.

The “No Hats, No Hoods, No Sunglasses” security policy is designed to keep our members and employees safe while deterring potential robbers. Most robbers don’t want to be identified so they hide behind hats, hoodies, and sunglasses. We need to be able to clearly identify anyone who walks into our branches.

In the case of the Daily Balance eAlert, you will need to choose a single time during normal business hours to be notified of your balance(s). If you would like to be notified of your balances multiple times a day, then you can set up multiple Daily Balance eAlerts.

Immediately. eAlerts are processed and sent in real time. You will not receive any eAlerts for transactions that occurred prior to when you set up the eAlert.

The policy has been in effect for many years. It was developed after receiving training and recommendations from local police departments and the FBI.

Yes. We ask every member that comes into the branch to remove hats, hoods, and sunglasses.

If for any reason you are unable or unwilling to remove your hat, hood, or sunglasses, you are welcome to use the drive-thru or ATM in the drive-thru. Please note that even in the drive-thru we need to be able to see enough of your face to identify you.

Our Bill Pay provider, iPay, is available Monday – Friday, 6:30 am – 1:00 am through Live Chat or by calling 877.374.2207.

ClickSWITCH makes it easy for you to quickly and securely switch your current online bill payments, automated payments and direct deposits from your existing financial institution accounts to your new account. ClickSWITCH removes the hassles of contacting all your billers to make changes and helps ensure you don’t miss a payment when you change financial institutions.

Yes, all eAlerts sent for the last 90 days are kept. You can view them by using the “eAlerts Sent” section at the bottom of the Setup screen. Enter a date range in the “From” and “To” boxes, select an eAlert type, then click “Show” to see your past eAlerts.

Default eAlert Settings

This eAlert works at the account level and is used to define some default settings that will be pre-filled each time you add a new eAlert. These default settings include Email Addresses, Cellular Phone, Addresses, Notification Times, Detail Level, and Nickname.

Low Balance eAlert

This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account.

A minimum balance amount will be entered at the time of set up. You will be notified when a transaction causes the selected share balance to fall below that amount.

There are three options to choose from:

  • Subtype 1 –– Notify me only the first time.
  • Subtype 2 –– Notify me for each withdrawal.
  • Subtype 3 –– Notify me for any transaction.
Low Available Balance eAlert

This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account.

A minimum available balance amount will be entered at the time of set up. You will be notified when a transaction causes the selected share’s available balance to fall below that amount.

There are three options to choose from:

  • Subtype 1 –– Notify me only the first time.
  • Subtype 2 –– Notify me for each withdrawal.
  • Subtype 3 –– Notify me for any transaction.
Daily Balance eAlert

This eAlert works at the share level and can be set to monitor one individual share, all draft/checking shares, all savings shares, or all shares on the account.

You will be notified of the appropriate balance(s) once daily at a time you specify.

Insufficient Funds eAlert (combines NSF, PlusPay, & ODT)

This eAlert works at the share level and can be set to monitor either an individual share or all shares on the account.

This mimics a situation in which each of the NSF, Plus Pay, and Overdraw Transfer eAlerts have been created on the account. When this type is chosen, all three will be checked for and sent individually according to their descriptions above so instead of individually setting up each of the NSF, Plus Pay, and Overdraw Transfer eAlerts you can set up one Insufficient Funds eAlert.

Direct Deposit Received eAlert

This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account. You will be notified of each Direct Deposit made to the selected share(s).

Automatic Withdrawal eAlert

This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account. You will be notified whenever an Automatic Withdrawal posts to the selected share(s).

Large Withdrawal eAlert

This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account.

A minimum withdrawal amount will be entered at the time of set up. You will be notified each time any withdrawal which equals or exceeds that amount is completed on the share(s).

Draft Withdrawal eAlert

This eAlert works at the share level and can be set to monitor either one individual draft share, or all draft shares on the account. You will be notified each time a draft withdrawal is completed on the share(s).

Share Transfer eAlert

This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account. You will be notified each time a transfer transaction is completed on the share(s).

Specific Check # Cleared eAlert

This eAlert works at the share level and must be set to monitor one individual draft share. A check number must be entered at the time of set up and you will then be notified when it clears. This is a one time only eAlert and will be deleted from the active list once it is sent.

Maturing Certificate eAlert

This eAlert works at the share level and must be set to monitor one individual Certificate share. You will select how many days in advance you want to be alerted to a Certificate maturing and will receive notification accordingly.

Interest Rate Change eAlert

This eAlert works at the loan level and can be set to monitor either one individual loan, or all loans on the account. You will be notified whenever the interest rate is changed on the selected loan(s).

Loan Payment Due eAlert

This eAlert works at the loan level and must be set to monitor one individual loan. You will select how many days in advance you want to be alerted to a loan payment being due and will receive notification accordingly.

Loan Payment Made eAlert

This eAlert works at the loan level and can be set to monitor either one individual loan, or all loans on the account. You will receive an eAlert each time a payment is made on the loan(s).

Loan Payment Change eAlert

This eAlert works at the loan level and can be set to monitor either one individual loan, or all loans on the account. You will receive an eAlert whenever the payment amount on the loan is changed.

Loan Past Due eAlert

This eAlert works at the loan level and must be set to monitor one individual loan. You will receive an eAlert if your loan’s due date passes without a payment being made. You may receive this eAlert again if a payment is not made in a timely manner.

Large Debit Card or ATM Transaction eAlert

This eAlert works at the share level and must be set to monitor either one individual share, or all shares on the account.

A minimum purchase amount will be entered at the time of set up. You will be notified each time a transaction is completed (Credit/Debit Card, POS, or ATM) using that card which equals or exceeds that amount.

A+ Online Banking Access eAlert

This eAlert works on the account level. You will be notified any time your account is accessed via Online Banking.

A+ Online Banking Share Transaction eAlert

This eAlert works at the share level and can be set to monitor either one individual share, or all shares on the account. You will be notified of transactions conducted via A+ Online Banking. There are three options to choose from:

  • Subtype 1 –– Notify me for any deposit via Online Banking.
  • Subtype 2 –– Notify me for any withdrawal via Online Banking.
  • Subtype 3 –– Notify me for any transaction via Online Banking.
Mailing Address Change eAlert

This eAlert works at the account level. You will be notified any time a change is made to the Street, City, State, Zip Code, or Extra Address fields on your account.

E-mail Address Change eAlert

This eAlert works at the account level. You will be notified any time a change is made to either the E-mail Address or Alternate E-mail Address fields on your account.

Regulation D Transaction eAlert

This eAlert works at the account level and monitors each share independently. Regulation D is a government regulation which, among other things, differentiates between transaction shares and non-transaction shares. Regulation D places monthly limitations on non-transaction shares, such as savings and money market shares. Transaction shares, such as checking or draft shares, are not subject to Regulation D limitations.

This eAlert will be sent each time a transaction that qualifies under Regulation D is performed on a non-transaction share. If you choose the “Specific” detail level the eAlert will also inform you of how many such transactions have been performed thus far during the current month. Contact the credit union for more details and limitations on Regulation D transactions.

Scheduled Transfer eAlert

This eAlert works at the account level. You will be notified each time a scheduled transfer completes successfully on your account.

Scheduled Transfer Failed eAlert

This eAlert works at the account level. You will be notified each time a scheduled transfer fails to complete on your account.

There is absolutely no limit to the number of eAlerts you can sign up for. You can sign up for multiple types of eAlerts as well as sign up multiple times for each type of eAlert.

For example, you can set up a low balance eAlert that will notify you anytime your checking account balance drops below $200. You can also sign up for another low balance eAlert and have it emailed to your phone anytime your account balance drops below $50.

No. The types that are available to you depend on two things:

  1. The types of products you have. For example, if you have no loans then the Loan Payment Due eAlert will not be offered to you.
  2. The process that triggers some eAlerts will not always work correctly for everyone. If there are any that will not be sent properly 100% of the time then it will be disabled.

On the set up screen for the Low Balance eAlert you need to enter a dollar amount here. You will be notified when your balance drops below this value.

On the set up screen for the Low Available Balance eAlert you need to enter a dollar amount here. You will be notified when your available balance drops below this value.

On the set up screen for several eAlerts you need to enter a dollar amount here. You will be notified when a purchase is made that matches or exceeds this value.

On the set up screen for several eAlerts you need to enter a dollar amount here. You will be notified when your available credit drops below this value.

On the setup screen for the Large Withdrawal eAlert you need to enter a dollar amount here. You will be notified when a withdrawal is made that matches or exceeds this value.

There are three different detail levels:

  • Specific – Full Detail
  • Moderate – Some Detail
  • Generic – No Detail

Due to message length, you may receive an abbreviated version of a “Moderate” or “Specific” detail level eAlert when it is being sent to a cellular phone.

Let’s say you asked to be notified when a large withdrawal over $100 was made on your account:

Generic – No Detail

“An eAlert has been triggered on your account. Please log in to your account online to view more detail.”

Moderate – Some Detail

“A Large Withdrawal eAlert has been triggered on your account. Please log in to your account online to view more detail.”

Specific – Full Detail

A Large Withdrawal eAlert has been triggered on your account. You asked to be notified when a large withdrawal over $100 was made on your account:

Share 01 – Withdrawal Amount: 750.00, Withdrawal Time: 10:31
Post Date: 04/13/2006, Effective Date: 04/13/2006
New Balance: 980.00, New Available Balance: 975.00

Entering an account nickname is optional. It’s a way to identify an account in the eAlerts you receive.

If you have the same eAlerts set up on multiple accounts, an account nickname will allow you to know which one triggered an eAlert without logging in to A+ Online Banking immediately.

Important: We will not send any identifying information via email. You may NOT include your account number or user name in the account nickname.

ClickSWITCH takes the hassle out of moving your automated payments and direct deposits to your new account. You input your payment and direct deposit information in to our secure ClickSWITCH system and we’ll get to work contacting all the billers to switch your payments over to your new account. You can monitor progress and track status in the “Status” column.

To get started, call us at 512.302.6800 or visit any of our 22 branches. Your A+ representative will get you signed up and walk you through the process.

An automated payment (or ACH) is a regular, ongoing payment that is initiated externally to your bank account, such as a monthly insurance bill, utility payment or automobile loan payment.

A direct deposit is any payment that you receive from a person or organization directly into your account. These include payroll direct deposits, government direct deposits (Social Security, Disability, etc.) and dividend direct deposits from investment accounts.

Timing for each payment switch can vary depending on the type of payment, biller, and the method needed to switch the payment.

Online banking bill payments are switched instantly. Automated payments and direct deposits typically take between 7- 10 days to switch, but can be faster with certain billers. It’s always a good idea to review your switch status page for the most current information regarding each switch.

We display the status for each automated payment or direct deposit in the Status column. If a switch shows as “Completed” there’s no need to contact the biller. For switches that are marked as “Mailed” for more than 10 days, you may want to contact the biller to confirm the status.

Yes. Indicate the type of direct deposit you want to switch and complete the required information.

Please note: some employers and government agencies require direct deposit switches be completed directly with them. In these cases, they may not accept our switch request.

Automated ACH payments may take up to 10 days to switch. If your switch has a “Mailed” status for more than 10 days, it’s a good idea to contact the biller to confirm the switch or to see if the biller needs additional information.

Occasionally, after you have submitted a switch for processing, our research team determines that particular biller requires you to update your banking information with them online. When this happens, your switch will show an “Action Needed” status. To see the details of the action you need to take, you can click on the Edit icon in the Actions column.

Your billing account number is required by the biller to ensure your identity and to update the account information in their system.

A number of billers are included in our system. If we do not have a biller’s address, please use the address that is indicated on the payment confirmation or statement the biller sends you. You can also find most billers’ payment addresses displayed in the Help or Contact Us areas of their websites.

The time for each payment to switch varies depending on the type of payment, biller and the method needed to switch the payment. Online banking bill payments are switched instantly. Automated ACH payments and direct deposits typically take between 7-10 days to switch, but can be faster with certain billers. It’s always a good idea to check your switch status page for the most current information about each switch.

The easiest way to check the status of a switch is to look at the “Status” column of your ClickSWITCH account. Switches that have been completed and confirmed by your biller will display a “Completed” status. Switches that are still in process will display a “Mailed” status.

For switches that have a mailed status for 10 days or more, we recommend contacting your biller to confirm the switch is completed, as some billers may not update the status in our system.

You need at least some billing information to switch the payment, as billers require certain information to confirm your identity and complete the switch. Your name, biller’s name and account number are required. For some billers, an address and phone number will populate automatically; however, if the biller is not in our database we’ll need you to provide the biller’s address and phone number as well.

Monitoring your switch status is an important part of moving your account. It is advisable to keep enough money in your old account to cover each payment until the switch status for that payment has changed to “Completed,” or you’ve confirmed with your billers that your payment account information is updated in their systems.

Yes! ClickSWITCH uses the latest in online encryption protection to gather and store your switch information. Additionally, our mailing facilities adhere to the highest industry standards with regard to security of your personal information.

To get started, call us at 512.302.6800 or visit any of our 22 branches.

ClickSWITCH will help you switch all of your automated payments. Simply gather your paper bills or online statements that include the billers’ names and addresses, account numbers with your billers and due dates. This is all the information you need to start the switch process!

We recommend keeping enough money in your old account to cover each payment until the switch status is “Completed.” This is especially important for any payments that might be due during the 14 days after you initiate a switch.

Please contact us at 512.302.6800 for assistance.