有问题? 你来对地方了!

是的. 中华总工会有两种不同的透支方式:

1. 礼貌支付³ -如果您符合条件，您将自动选择加入. 您可以通过移动应用程序中的礼节支付小部件选择退出¹ 及网上银行.
2. 透支转帐-如链接到另一个帐户.

礼遇付款包括以下几种交易:⁴

1. 支票、ACH和其他使用支票账户进行的交易
2. 自动账单支付
3. 使用你的借记卡进行经常性交易
4. 自动取款机交易
5. 借记卡日常交易
6. 销售点(POS)交易

我们还提供30美元的宽限期. That means no fees for debit card transactions if your overdrawn balance is less than $30.²

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¹数据速率可能适用.

²这只适用于借记卡交易. ACH交易在收取费用之前没有30美元的宽限期.

³每次收费30美元.

⁴自动取款机交易, 借记卡日常交易, 和销售点(POS)交易需要单独选择加入.

如果你有电子支付, withdrawals or deposits being made to your account from a merchant or other financial institution (like payroll deposits or utility bill payments), notify that merchant or institution of your account number and ACFCU’s ABA routing number: 256078404.

You can transfer between your ACFCU account and external accounts for free (subject to a fee for insufficient funds) by following these easy steps:

1. 你需要:

• 其他金融机构的路由号码
• 您的帐户类型和号码
• 访问您的中华总工会网上和/或手机银行

2. 按照我们的指示一步一步地进行 ACH发起设置指南.

• 当日下午2点前转账.m. (EST) on valid business days, otherwise it will appear on the next business day
• Each transfer to or from your savings account will count toward monthly transaction limits
• 在计划传输功能下取消挂起的传输

是的, 把钱汇到你的中华总工会账户, 只需向其他机构提供以下指示:

传入的连接

• 电汇至:阿灵顿365体育投注英超联赛欧冠联邦信用合作社，ABA# 256078404
• Credit to: Your name and your 13-digit account number (found on the bottom of your checks or via 在线 banking)

即将离任的电线

• 可以通过网上、亲自、传真或电子邮件申请吗

1. 登录网上银行
2. 点击右上角你的名字
3. 从下拉菜单中单击SETTINGS
4. 点击通知
5. Under Accounts, click the SETTINGS icon to the right of Loan Payment Due Date
6. 将按钮滑到ON位置
7. 单击“选择帐户”
8. Choose the Loan(s) and then choose the number of DAYS before and after the Due Date to receive an alert
9. 点击保存
10.  点击 the box to indicate which method to receive alert: EMAIL and/or MOBILE
11. 单击SAVE CHANGES

要修改警报，请按照上面的说明操作.

要删除警报，请按照步骤1-6并将按钮滑动到OFF.

用户名必须由数字和字母组成，长度在8到15个字符之间. 旧用户名不能重复使用.

你一定是个 中华总工会会员或有资格成为会员 在发放任何贷款之前，你必须先取得会员资格.

We offer personal loans from $1,000 to $50,000, subject to credit and income qualifications.

什么都可以! Personal loans are great for consolidating debts or financing a household expenses at a lower interest rate than a credit card.

提交申请 在线，电话:703-526-0200，或亲自到我们的 分支机构. We’ll need basic information about you and your income and an application can typically be completed in a few minutes.

Once your application is approved and any supporting documents (such as verification of your income, (如有需要), you can sign your loan documents electronically and have the funds in a matter of hours.

Personal loans do not require collateral; however, 如果你有抵押品, 就像一辆付清了钱的车, you may be able to qualify for a larger loan at a lower rate using your collateral.

 是的! 欢迎您在任何时候支付更多或额外的款项. There is no penalty for paying early and you’ll save money in interest over the life of the loan. 只要记住，你必须按时付款, 即使你之前付了更多的钱.

是的, we offer convenient and affordable payment protection options that protect you and your loved ones in the event of disability or death of a covered borrower.

你可浏览我们的 隐私政策 随时在线.

有三种方法可以避免自动取款机机的费用:

1. 使用免费的 阿灵顿365体育投注英超联赛欧冠FCU 自动取款机
2. 打开一个 免费奖励支票帐户 and meet the monthly qualifications to have up to $10 in 自动取款机 fees refunded monthly
3. 使用其中一个 3万台合作网络atm机

当可适用, fees are assessed throughout the month and will appear on your regular monthly statement. 查看我们的 个人的, 365体育投注英超联赛欧冠 or 业务ss 费用表.

您可以通过三种方式避免每月的维护费用:

1.  保持贷款和存款总额为1,000美元

2. 积极使用 免费奖励支票帐户

3. 21岁以下或55岁以上的会员，我们将免收会员费

不，我们不会因为你提前还清贷款而惩罚你. If we paid any fees on your behalf for closing the loan or provided a cash back incentive, those amounts must be paid back if you close your loan within 36 months of opening the loan. 所欠的金额将包括在您的贷款偿还金额.*

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*如果贷款在开业后36个月内还清, 现金返还或结算成本可以加到清偿金额中.

这是简单和快速更新和验证您的信息. Follow these simple instructions for 网上银行 (desktop) or Mobile App (iOS or Android).

移动应用程序(iOS)
1. 登录手机App
2. 前往更多
3. 去找其他人
4. 进入设置
5. 转到联系人
6. 添加或更新您的电话号码，电子邮件地址和偏好
7. Confirm your 电话 number by answering the security questions or entering a code from your email

移动应用程序(Android)
1. 登录手机App
2. 转到汉堡包菜单(左上角有三行)
3. 进入设置
4. 转到联系人
5. 添加或更新您的电话号码，电子邮件地址和偏好
6. Confirm your 电话 number by answering the security questions or entering a code from your email

网上银行
1. 登录网上银行
2. 转到设置(右上方)
3. 转到联系人
4. 添加或更新您的电话号码，电子邮件地址和偏好
5. Confirm your 电话 number by answering the security questions or entering a code from your email

• 登入我们的 手机应用程序¹ 或者网上银行 
• 点击 设置,然后 联系人
• 更改个人信息

You will receive monthly statements if you have an active checking account or loan. 否则，您将收到季度报表. The statement cycle runs from the first day of the month to the last day of the month. 如果你 登记电子结单，当你的电子结算单可用时，你会收到一封电子邮件. 

你可以透过点击 edoc 网上银行的小工具.

一旦你注册了电子报表, your e-statement library will store the last 24 months’ worth of e-statements.