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FAQs

Home Loans

How do I qualify for a home loan?

We review your income, debts, credit history, and other factors. You will need to demonstrate income is sufficient for the loan request and provide a history of making timely payments. Please go to our Home Loans page to contact one of our home loan consultants, get pre-qualified, and learn more about our lending programs.

How much can I borrow on a home loan?

Please go to our Home Loans page to contact one of our home loan consultants, who can work with you to determine what loan amount you qualify for.

How much cash do I need to purchase a home?

The amount of cash needed depends on several factors. In general, the cash needed may include earnest money paid when you make an offer, the loan down payment that you make, and your closing costs associated with processing the loan. One of our home loan consultants who can be contacted from our Home Loans page will be happy to help you with the details.

Can I consolidate my debt when I refinance my mortgage?

Yes, depending on qualifying factors. Mortgage interest rates are typically lower than interest rates on credit cards and other types of loans so consolidating debt will help reduce your monthly expenses.

Can I use my home equity to take cash out?

Yes, depending on qualifying factors. We offer fixed-rate Home Equity and Home Equity Line of Credit (HELOC) programs that allow you to tap into your home’s equity and take cash out.

Is there a fee to obtain a home equity loan?

We do not charge an upfront fee to apply for a home equity loan. An early closure reimbursement fee applies if you close your home equity loan before 36 months.

Do I need great credit to obtain a mortgage loan?

Not necessarily, but the higher your credit score the better. It is possible to obtain a conventional mortgage loan with a credit score as low as 620. The lower the credit score, the higher your interest rate and cost will be.

Does my co-borrower's credit score matter?

Yes, approval is based on the lowest two middle scores of both borrowers.

What is a fixed-rate mortgage?

For a fixed-rate mortgage, the interest rate and the monthly payment of principal and interest remain the same during the life of the loan.

What is an adjustable-rate mortgage ARM?

For an adjustable-rate mortgage, the loan interest rate (and your payment) may go up or down based on an economic indicator called an index.

How do I know which home loan program is best for me?

The program that is best for you depends on numerous factors related to your current financial situation and how long you intend to be in your home. Please contact one of our home loan consultants from our Home Loans page to help you evaluate your options to select the program that works for you.

What is the Loan-to-Value (LTV) ratio?

The LTV ratio is calculated by dividing a home loan amount by the property’s value. The higher the LTV ratio, the riskier the mortgage is for the credit union, which may result in the loan being assigned a higher interest rate than it might have with a lower LTV ratio. In addition, the LTV ratio can be a factor in determining whether your loan requires private mortgage insurance (PMI).

What will my mortgage payment include?

For most loans, the mortgage payment includes the loan principal, loan interest, and taxes/insurance held in an escrow account. At times, the borrower may pay the taxing/insurance entity directly.

What are points?

Points are the percentage of the loan amount that the borrower pays to the lender that generally lowers the loan interest rate.

What is a rate lock?

A rate lock secures the interest rate on your loan application. It is peace of mind from interest rate fluctuations that may occur during the processing of your loan.

What is an escrow account?

It is an account set up to collect your real estate tax and homeowner’s insurance from your monthly mortgage payment. When your payments are due, they will be paid using your escrow account.

What is private mortgage insurance (PMI)?

Private mortgage insurance is provided by a private mortgage insurance company to protect lenders against loss if a borrower defaults. Private mortgage insurance is generally required for a loan with an initial loan to value (LTV) ratio of more than 80%.

Where do I send proof of Homeowners Insurance?

American First Credit Union, P.O. Box 58662, Tukwila, WA 98138

How should the Mortgagee Clause be listed on my homeowners insurance policy

Mortgagee Clause: AFCU ISAOA, PO BOX 58662 TUKWILA, WA 98138

Can I wire a loan payoff?

Yes. Please contact Real Estate Servicing at 1-800-290-1112 ext.4340 to obtain the current payoff amount. Funds can be wired to Routing Number 322275607, Account Number 99999932, and must reference the borrower's name and loan number.

How do I request a Payoff Statement?

Payoff Statement requests should be faxed to 562-237-5194 or e-mailed to realestateservicing@amerfirst.org. Please note, if the request is coming from a 3rd party, please include the member’s written authorization to release information.

Can I pay off my loan online?

No. Please contact Real Estate Servicing at 1-800-290-1112 ext.4340 to obtain the current payoff amount and to obtain further instructions to pay off the loan.

Are statements generated for mortgage loans?

Mortgage information is on your combined monthly statement generated on the last business day of each month.

How do I access my statement online?

Sign into Online Banking. Click on the account tile that you would like to view. Click on the “statements” link to the right of the account tile.

Where do I mail my mortgage payment?

American First Credit Union, P.O. Box 60035, City of Industry, CA 91716

Where do I mail written correspondence about my loan?

American First Credit Union, P.O. Box 2477, Brea, CA 92822

How do I obtain a Verification of Mortgage Statement?

You can obtain general account information by calling us at 1-800-290-1112 ext. 4340. If you need a Verification of Mortgage Statement, there is a $20 processing fee due at the time of generation.

What happens to the lien on my property after the loan is paid off?

Your payoff statement will include the recording and reconveyance fee based on the county in which the property is located. We will request that the county release the lien when we receive your fee payment. The county will then send you mail confirmation when the process is completed. Please note that processing could take 8-10 weeks, depending on the county.

When will I receive 1098 and 1099 statements for my real estate loan?

The 1098 and 1099 statements will be mailed to you by January 31st.

If my account is impounded for taxes, when will they be paid?

If your account is impounded, American First Credit Union will pay out taxes based on the date in which we receive the bill. Please note some counties take several weeks to show the installment as paid.

Vehicle Loans

Who do I contact for a vehicle loan?

One of our loan specialists will be happy to help you. Please call us at 800-290-1112 or visit one of our branches.

What kind of vehicle loans do you provide?

We offer loans for a wide variety of vehicles, including cars, trucks, SUVs, motorcycles, RVs, and boats.

Is there a difference between the rates for new and used vehicles?

Our rate structures are the same for new and used vehicles. Your rate is determined from factors such as your FICO score, financial situation, and the term of your loan.

Can American First help me find a vehicle to meet my needs?

Yes, we work with multiple auto buying partners, who offer a variety of services and can be accessed on our website Auto Buying Services page.

Do you offer extended warranties and General Asset Protection (GAP) insurance?

Yes, we offer GAP, Mechanical Breakdown Protection, and Car Insurance services through our partners. Learn more on our Vehicle Protection Servicespage.

Personal Loans

What is the grace period for loan payments?

The grace period is ten days. Payments made more than 10 days after the loan due date are subject to a late fee.

If I’m approved for a loan, how long do I have before the approval expires?

Your approval is good for 60 days from the day of the application commencement date.

Can I make my American First loan payments online?

Yes, if you use your American First savings or checking account to make your loan payments, use our Online and Mobile Banking services for faster payment. You can also make a payment on your American First loan from another financial institution in Online and Mobile Banking using External Account Transfers or by using our Online Loan Payment portal.

Can I pay off my loan early or make extra payments?

Our loans do not have prepayment penalties, so you can pay off your loan early or make additional payments whenever you’d like.

Credit Cards

How do I apply for a credit card?

You may start the application by calling us at 800-290-1112, visit an American First Credit Union branch, or apply online. For information on a secured card, visit our website Secured Credit Card page.

My ATM/Credit Card was used without my authorization. How do I report this?

To report a fraud claim: please call us immediately at 800-290-1112 if the transaction on your account that you are questioning was not completed or authorized by you. You will also need to complete and submit a Cardholder Statement - To Report Fraud form accessible through our website Account Security page. To dispute a charge: if you experienced an ATM error or malfunction or need to dispute a merchant transaction, please call us at 800-290-1112. You will also need to complete and submit a Cardholder Statement - To Dispute a Charge form accessible through our website Account Security page.

Is there a grace period to avoid a late fee?

A late fee applies if your payment is received later than 15 days after the payment due date. Please refer to our Schedule of Fees & Services.

Commercial Real Estate

Who do I contact to apply for a commercial real estate loan?

Our in-house commercial real estate specialists look forward to helping you purchase a commercial property or refinance your current commercial loan. You can contact one of our specialists from our Commercial Real Estate page.

For what types of properties do you provide commercial loans?

Our in-house commercial lending specialists work with our clients to finance a wide variety of commercial properties, such as apartment buildings, self-storage facilities, and manufactured housing communities. You can contact one of our specialists from our Commercial Real Estate page.

Checking

Are there any limits to using my Debit Card?

You can use your card anywhere Mastercard is accepted. You can initiate up to 20 transactions per day. Dollar limits include your checking account balance up to $5000 using a Classic Debit Card and $7500 using a Gold or Business Debit Card.

What is the fee to stop payment of a check I issued on my checking account?

Refer to our Schedule of Fees & Services for our current fee.

Can a high school student open a checking account?

Yes, students 13-17 years old may open a checking account with a parent or guardian.

How can I order checks?

If your previous order was placed less than a year ago: Select Order Checks or go to Online Banking. If your previous order was placed a year ago, or more: Call 800-290-1112 or visit an American First Credit Union branch to place your order.

Savings

Big Prize Savings: What is required to open a Big Prize Savings account?

You must be 18 years of age or older to open a Big Prize Savings account. Minimum opening deposit is $25 and account must keep a minimum average monthly daily balance of $500 to earn big prize entries. Exclusions apply for business accounts, irrevocable trusts, Credit Union employees, Board Members and Supervisory Committee members (volunteers), and their relatives, immediate family, and persons living in the same household are not eligible to earn entries.

Big Prize Savings: How many prizes are there?

17 total prizes will be awarded per year. One prize of $1,000 per month (12 total), one prize of $10,000 every quarter (4 total), and one yearly grand prize of $50,000. 

Quarterly entries are determined by adding your monthly entries for the following:

  • 1st Quarter: January – March
  • 2nd Quarter: April – June
  • 3rd Quarter: July – September
  • 4th Quarter: October – December

Yearly entries are determined by adding your monthly entries:

  • January – December (of same year)

Big Prize Savings: Are there any fees?

No! Our goal is to help you build a better habit of saving. Therefore, there are no risks or fees to save better and win bigger. 

Big Prize Savings: How are entries calculated?

A minimum of $500 average monthly daily balance is required to be eligible for monthly prize drawings. Receive one (1) entry for every $25 average monthly daily balance to win the $1,000 monthly prizes, and to be eligible for $10,000 quarterly prizes and the $50,000 annual grand prize. 

We take the total of each day's balance for the period (one month) and divide the total by the number of days in that period. 

Example: The balance in the account each day is $500 from the beginning of the month. The month has 30 days. $500 daily balance x 30 days in one month= $15,000 total. Then divide this total by number of days in the month (30) to calculate the average monthly daily balance for one month: $15,000/30= $500 average daily balance. Then, you earn 1 entry for every $25 in monthly average daily balance. In this case, you'd earn 20 entries!

Quarterly entries are determined by adding your monthly entries for the following:

  • 1st Quarter: January – March
  • 2nd Quarter: April – June
  • 3rd Quarter: July – September
  • 4th Quarter: October – December

Yearly entries are determined by adding your monthly entries:

  • January – December (of same year)

Big Prize Savings: How do I know how many entries I have?

Your entries will be emailed to you after each monthly period. Because the calculations are based on average monthly daily balance, we only calculate number of entries at month-end.

To update your contact information including email address, call 800-290-1112 or update Online Banking settings.

Big Prize Savings: Can I withdraw all or a portion of my money from the Big Prize Savings account?

Yes, you can withdraw money from their Big Prize Savings account at any time (up to six times per month) and you'll also have the option to withdraw all of your money and close the account without being assessed a fee. Closed accounts are not eligible for prize drawings.

Big Prize Savings: Is there a maximum number of entries?

No, there is no maximum savings amount or maximum number of entries. The more you save, the more chances you have to win!

There is a minimum average monthly daily balance of $500 in the account to qualify to enter monthly prize drawings. 

Big Prize Savings: How are winners notified?

Winners will be contacted by email, telephone number(s) and mailing address on file at the Credit Union. Winners will also be announced on our website..

Big Prize Savings: When are winners selected?

Winners are selected at random from eligible entries within 14 days of the following month or year-end and announced on our website. The winners will receive their prize as a deposit to their Big Prize Savings account when they contact the Credit Union to verify their identify with valid government issued ID.

Big Prize Savings: Will my balance be rounded up?

If your average monthly daily balance is $499.99 or below for the month, your account will not be eligible for the prize drawing for that month. The Credit Union will round down in the case of fractional entries.

Big Prize Savings: Can I open more than one Big Prize Savings account?

Yes, there is no limit on the number of accounts and no maximum balance in each account.

Regular Savings: Is there a minimum amount I need to keep in the account?

The Regular Savings minimum balance fee of $10 is waived if the combined balance of Savings and Goal Setter Savings accounts have an end of month balance of $500+, or with a checking account or loan account added to this account, or if a member is age 17 and under. Also, $500 is the minimum balance to earn dividends on this account.

Regular Savings: Are there fees to withdraw my money?

We do not charge you a fee to withdraw your money in person, by phone, electronically, or from a CO-OP ATM. Visit our CO-OP Locations to find an ATM nearby.

Regular Savings: Is there a maximum amount of withdraws I can make per month?

You may make unlimited withdrawals in person and at the ATM. However, under Federal Reserve Board Regulation D, there are restrictions for some types of withdrawals. Savings accounts and money market accounts are non-transaction accounts, while checking accounts are transaction accounts. Under this regulation, you can’t make more than six transfers or withdrawals from a savings deposit account per statement cycle. Here are some examples of transactions that are limited under Regulation D:

  • Withdrawals by official bank check.
  • Outgoing wire transfers.
  • Debit card purchases (only for money market accounts).
  • Withdrawals or transfers via an Automated Clearing House (ACH) to pay a bill or a person or a withdrawal with a payment service such as Zelle.
  • Withdrawals or transfers made with a savings deposit account acting as overdraft protection for a checking account.

Making too many of these types of withdrawals or transfers from savings deposit accounts can cost you. With the convenience of transferring funds online or through a mobile app from a savings account to a checking account, making six transfers can add up quickly.

Regular Savings: Can I have an ATM card?

We do not offer an ATM card with a savings account only, however, if you open a Totally Free Checking or one of our other checking accounts, you will receive a debit card with access to your Savings and Checking account.

Holiday Club: Is there a monthly fee?

There is not a monthly service fee to have a Holiday Club.

Holiday Club: When and how can I withdraw my money?

To encourage our members to stay committed to their savings and have a merrier holiday, your Holiday Club account funds are available for withdrawal Nov. 1 to Dec. 31. There is no fee to withdraw during this open period, otherwise there is a $10 fee per withdrawal.

Holiday Club: Do I get a special rate?

Yes, our Holiday Club account earns a higher rate than our Regular Savings, Goal Setter, and Big Prize Savings accounts.

Certificate Builder: Is there a minimum amount I need to deposit automatically?

You can begin saving in a Certificate Builder account with as little as $10 a week.

Certificate Builder: How do I know when it is time to open a CD?

Automatically transfer from your savings or checking account and once your Certificate Builder reaches $1,000 it will be converted into a Direct Deposit 12-month Certificate with even higher dividends!

Certificate Builder: If I need to access my money, are there fees?

To encourage you to continue saving towards your goal, there is a $10 early withdrawal penalty and dividends must remain in the account. However, partial withdrawals are available so you can get back on track.

Certificate Builder: Do I get a special rate?

Yes, our Certificate Builder Account earns a higher rate than our Regular Savings, Goal Setter, and Big Prize Savings accounts.

Business Savings: Is there a minimum amount I need to keep in the account?

The Regular Business Savings Minimum balance fee of $10 is waived if the end of month balance is $500+, or with a second savings (excluding a Goal Setter), a checking account or loan account is added to this account, or if a member is age 17 and under. Also, $500 is the minimum balance to earn dividends on this account.

Business Savings: Are there fees to withdraw my money?

We do not charge you a fee to withdraw your money in person, by phone, electronically, or from a CO-OP ATM. Visit our CO-OP Locations to find an ATM nearby.

Business Savings: Is there a maximum amount of withdrawals I can make per month?

You may make unlimited withdrawals in person and at the ATM. However, under Federal Reserve Board Regulation D, there are restrictions for some types of withdrawals. Savings accounts and money market accounts are non-transaction accounts, while checking accounts are transaction accounts. Under this regulation, you can’t make more than six transfers or withdrawals from a savings deposit account per statement cycle. Here are some examples of transactions that are limited under Regulation D:

  • Withdrawals by official bank check.
  • Outgoing wire transfers.
  • Debit card purchases (only for money market accounts).
  • Withdrawals or transfers via an Automated Clearing House (ACH) to pay a bill or a person or a withdrawal with a payment service such as Zelle.
  • Withdrawals or transfers made with a savings deposit account acting as overdraft protection for a checking account.

Making too many of these types of withdrawals or transfers from savings deposit accounts can cost you. With the convenience of transferring funds online or through a mobile app from a savings account to a checking account, making six transfers can add up quickly.

 

Business Savings: Can I have an ATM card?

We do not offer an ATM card with a savings account only, however, if you open a Totally Free Business Checking or one of our other checking accounts, you will receive a debit card with access to your Savings and Checking account.

Certificate Accounts: Is there a minimum amount to open a Certificate Account?

Our minimum amount is only $1,000 to open a Certificate Account and enjoy higher dividends. This is much lower than our competitors.

Certificate Accounts: If I need to withdraw my money before the term end is there a fee?

Yes, a penalty may be imposed for early withdrawal. If you withdraw any principal before the maturity date, the early withdrawal penalty will be equal to one-half of the term’s dividends on the amount withdrawn, whether earned or not, and may reduce principal.

Certificate Accounts: May I add money to my Certificate Account?

After the account is opened, you may not make additional deposits or withdrawals from the account until the maturity date.

Certificate Accounts: What happens when the Certificate Account matures?

Unless you specify otherwise, this Account will automatically renew following a seven (7) day grace period. You may add or withdraw funds during the grace period without a penalty. If allowed to renew automatically, the Account will be renewed for a term equal or closest to that of the initial term and at the dividend rate and Annual Percentage Yield in effect at that time for such a term.

Certificate Accounts: How are dividends accrued?

Dividends on Certificate Accounts are compounded daily and will be credited monthly and at maturity.

Certificate Accounts: Do I get a special rate?

Our Certificate Accounts earn higher dividends than our other Savings accounts, and you choose the rate you want based on terms from 3 months to 5 years.

Certificate Accounts: What is the difference between a Share Certificate and a Certificate of Deposit(CD)?

A Share Certificate is similar to a Certificate of Deposit. The only difference is that it is issued by a credit union.

Money Market Accounts: Is there a minimum amount I need to keep in the account?

The Money Market minimum balance fee of $10 is waived if you maintain a balance of $2,500 or more. Also, $2,500 is the minimum balance to earn dividends on this account.

Money Market Accounts: Are there fees to withdraw my money?

We do not charge you a fee to withdraw your money in person, by phone, electronically, or from a CO-OP ATM. Visit our CO-OP Locations to find an ATM nearby.

Money Market Accounts: Is there a maximum amount of withdraws I can make per month?

You may make unlimited withdrawals in person and at the ATM. However, under Federal Reserve Board Regulation D, there are restrictions for some types of withdrawals. Savings accounts and money market accounts are non-transaction accounts, while checking accounts are transaction accounts. Under this regulation, you can’t make more than six transfers or withdrawals from a savings deposit account per statement cycle. Here are some examples of transactions that are limited under Regulation D:

  • Withdrawals by official bank check.
  • Outgoing wire transfers.
  • Debit card purchases (only for money market accounts).
  • Withdrawals or transfers via an Automated Clearing House (ACH) to pay a bill or a person or a withdrawal with a payment service such as Zelle.
  • Withdrawals or transfers made with a savings deposit account acting as overdraft protection for a checking account.

Making too many of these types of withdrawals or transfers from savings deposit accounts can cost you. With the convenience of transferring funds online or through a mobile app from a savings account to a checking account, making six transfers can add up quickly.

 

Retirement Accounts: What is the difference between a Traditional IRA vs. a Roth IRA?

A traditional IRA provides you with tax benefits now. You deduct contributions now and pay taxes on withdrawals later. Roth IRA’s give your tax benefits when you retire. You pay taxes on contributions now and get tax free withdrawals later.

Retirement Accounts: At what age am I required to take distributions?

Required Minimum Distributions (RMD) must be taken from traditional IRA’s starting in the year you turn 72.

Retirement Accounts: How can I add additional owner(s) to my account(s)?

Complete an Authorization to Add or Delete Joint Owner Form and return by fax, US mail or at a branch. Mailing address and fax number are provided on the second page of the form.

Retirement Accounts: Is there an annual fee to maintain an IRA?

An annual maintenance fee is assessed to all IRA accounts every October. Refer to the Schedule of Fees & Services for the current rate.

Youth Savings: Is there a minimum amount my child needs to keep in the account?

There is not a minimum amount required to keep in the account. However, with a balance of only $5 your child will begin earning dividends at a higher rate than our adult accounts.

Youth Savings: Are there any fees for youth accounts?

No, we do not charge monthly service fees on our youth accounts.

Youth Savings: Can my son/daughter have an ATM card?

To encourage our young savers to deposit money instead of withdraw, we do not provide an ATM card with our Safari Club Savings.

Youth Savings: Can my child open a checking account with a debit card?

If your child is 13-17 years old, they may open a Start Smart Savings and Checking and receive a debit card in their name. An adult will need to be a joint owner on the account and legally responsible for transactions.

Business Services

Do you offer notary services?

Notary Service is available by appointment. Refer to our Schedule of Fees & Services for the current fee.

Does American First offer accounts to support my small Business?

Yes, we offer Business Checking and Savings account as well as Commercial Real Estate Loans. Business documentation is required.

Employer Benefits: What is the cost to offer credit union benefits to my employees?

Credit Union membership is a great employee benefit at no cost to your company. We waive initial deposits, pay the membership fee, and will bring our free, Credit Union benefits and resources to you. We can attend your wellness fairs, staff meetings, or set up a resource table during your employees’ lunch breaks. In addition, we offer free, on-site or virtual Financial Wellness workshops on a variety of topics.

Employer Benefits: What types of benefits will my employees receive?

Did you know 52% of employees are stressed about their finances and 25% of employees are distracted at work? American First Credit Union partners with employers to reduce financial stress and increase productivity in the workplace. As a non-profit organization with a focus on serving our members, your employees will enjoy a variety of Savings and Loan products with more perks and competitive interest rates than regular banks. In addition, American First Credit Union participates in the CO-OP network which allows our members to access over 30,000 surcharge-free ATMs and more than 5,000 shared branch locations across the nation. Most importantly, your employees’ financial wellness is our top priority. It is the reason we offer free, one-on-one financial counseling, on-site or virtual workshops on a variety of topics, and a dedicated Business Development Account Executive to address your employees’ unique, financial needs.

Employer Benefits: How do we partner with American First Credit Union to offer credit union benefits to our employees?

We are proud to serve the employees of many companies in our neighborhoods and across the nation through our Select Employee Group program. At your convenience, we would like to learn more about your employees unique, financial needs. To connect with a dedicated Business Development Account Executive, email busdev@amerfirst.org.

Digital Services

Apple Pay: Where can I use Apple Pay?

Apple Pay can be used for purchases at participating merchants.

Apple Pay: Can I use my phone to make purchases?

Purchases can be made using available funds from your American First accounts linked to Apple Pay on your authorized Apple device.

Apple Pay: Which American First Credit Union cards can I link to Apple Pay?

All Personal and Business Debit/Credit cards can be linked to Apple Pay.

Apple Pay: Can I use multiple American First cards with Apple Pay?

Yes, you can link multiple American First cards to Apple Pay.

Apple Pay: How can I set up Apple Pay?

Simply "add" your American First card(s) to the Apple Pay app on your Apple device. Visit Resources/Education to view an Apple Pay tutorial. If you set up your American First card as a "default", it will automatically be used for purchases.

Apple Pay: Does it cost extra to use Apple Pay?

No, American First does not charge a fee for the use of Apple Pay.

Apple Pay: Is Apple Pay secure?

Yes, Apple Pay uses a two-part authentication. Your account information is not stored on the device, a unique Device Account Number is stored securely on the device. If your device is hacked or stolen, your American First Credit Union account information cannot be obtained.

Apple Pay: What should I do if my Debit/Credit card linked to Apple Pay is lost or stolen?

Immediately contact us at 800-290-1112 to order a replacement and deactivate your card in Apple Pay. Once your new card is activated, you can add it to Apple Pay.

Apple Pay: How do I get a refund or return merchandise purchased using Apple Pay?

The merchant can use the Device Account Number to find the purchase and process the return. The last four digits of the Device Account Number can be found in the Apple Pay Wallet.

Apple Pay: Is internet access required to use Apple Pay?

For in-store contactless payments you do not need to be connected to the Internet.

Apple Pay: Can Apple Pay be used internationally?

Yes, Apple Pay purchases can be made internationally at participating merchants. Prior to traveling out of the USA, please call us to set up a Travel Authorization for your American First card(s).

Apple Pay: Will I earn uChoose Rewards points when I use Apple Pay?

Yes, Apple Pay transactions processed as ‘signature’ transactions are eligible to earn points on cards registered for uChoose Rewards.

Apple Pay: Are other digital wallets available at American First?

No, currently only Apple Pay is available on American First cards.

CardValet: What types of phones are supported by CardValet?

CardValet works with the most recent mobile operating software as well as two past generations of Android and iPhone devices.

CardValet: Can multiple cards be linked to one registered CardValet account?

Yes. Cardholders can register multiple cards within a single CardValet app. Additional cards can be added within the Menu>Manage Portfolio>Add Card screen.

CardValet: How many cards can you register within a single CardValet application?

There is a limit of 15 cards per application.

CardValet: When I receive a reissued or replacement card, will I need to update my cards within the application?

If the card number is new, then you must add the new card number to your profile. In addition, you may un-manage the old card by accessing “Manage Portfolio.”

CardValet: Are the alerts sent as email or push notifications to the device?

CardValet alerts are sent as push notifications to the phone. The alerts also display under Messages in the CardValet app.

Online/Mobile Banking: Is it possible to transfer money to and from my other financial institution?

To transfer funds from another Financial Institution, use External Account Transfers from Online Banking or Mobile Banking. (Free for incoming funds, $1 for outgoing funds.) Or, complete and return an ACH Authorization Form by fax, email, secured message via online banking, or at a branch.

Online/Mobile Banking: What is the maximum amount I can deposit using Mobile Banking?

You can deposit up to $15,000 a day with Mobile Banking.

Online/Mobile Banking: Why is there a Bill Pay fee on my checking account?

You are enrolled in our Bill Pay service with Online Banking. To avoid this fee, use Bill Pay at least once a month. If you no longer have a need for this service, please provide us with written authorization by mail, fax, secure messaging, or on your next visit to a branch, Mailing Address: PO Box 2477, Brea CA 92822-2477 / FAX 562-237-5111

Online/Mobile Banking: How can I verify that I check deposited using Mobile Banking was accepted?

Your check deposit history can be viewed by selecting “View Mobile Deposit History” in Mobile Banking.

Online/Mobile Banking: I prefer not to receive statements by mail, do you offer electronic statements?

Yes, signing up for electronic statements is done in Online Banking. In the Online Banking app, select your account and 'Online Statements'.

Online/Mobile Banking: I forgot my Online Banking password, how can I reset it?

To reset your Online Banking password, go to amerfirst.org, click Online Banking then "Forgot Password" and follow the online steps.

Online/Mobile Banking: How can I transfer money to another American First member’s account?

Send money to anyone by using Zelle, available in Online Banking and Mobile Banking.

Online/Mobile Banking: A direct deposit/electronic payment has not appeared on my account, how can I track it?

Confirm that the correct routing number (322275607) and 12-digit account number was provided. If you do not have your 12-digit account number, please contact us at 800-290-1112.

Online/Mobile Banking: How can I check my account balance(s)?

Account balance information is available using Online Banking, Mobile Banking, ATMs and in the branch.

Online/Mobile Banking: How soon are my funds available after depositing checks using Mobile Banking?

$225 will be available the next business day after the deposit is made. Check deposits made totaling more than $5,525 – $225 will be available on the next business day, $5,300 available on the 2nd business day, and the remainder available on the 7th business day. The amount available is $5,525 for withdrawal on exception holds for large deposits. New Accounts, Repeated Overdrafts & Exception Holds – Longer holds may apply. We will notify you if we delay your ability to withdraw funds for any reason, and we will tell you when the funds will be available. Mobile Banking Deposits made after 5 pm (PST) will process the following business day (Monday - Friday, excluding Holidays).

Online/Mobile Banking: Is Bill Pay available for all members?

Bill Pay is available for all members 18 and over.

Online/Mobile Banking: I forgot my Mobile Banking password, how can I reset it?

To reset your Mobile Banking password, open the Mobile Banking App, click "Trouble Logging In?" and follow the steps provided.

Online Loan Payments: Can I pay my American First loan payment in Online Banking?

Yes! You can use External Account Transfers to set up an external account to pay your American First loans, except commercial real estate loans. You can also set up recurring transfers to keep your loan payments up-to-date.

Online Loan Payments: Can I used my debit card to pay my loan?

Yes, debit cards are accepted for guest payments only within the Online Loan Payments portal.

Other: I have a lot of coins to deposit; do you provide coin wrappers?

A Coin Star machine is available at our Buena Park and Harbor & Imperial branches. There is no fee for American First Credit Union members. Non-members - Refer to our Schedule of Fees & Services for the current fee.

Other: I need to send wire money to another institution, can I do it by phone?

Wire transfers can be completed at a branch or by fax. Simply complete and submit a Wire Transfer Request form.

Insurance

Where can my vehicle insurance agent send policy updates?

Lienholder updates can be submitted by fax (800-709-4822), email (info@myinsuranceinfo.com) or US mail:

American First Credit Union
P.O. Box 58662
Tukwila WA 98138

Did you receive my proof of vehicle insurance/ ID card?

A copy of the declarations page from your insurance carrier showing full coverage and American First as the lienholder on your policy is required. You or your insurance agent can call us at 800-653-8812 to verify your policy is on file.

Account Security

How much cash can I withdraw from a branch?

The cash withdrawal limit is $2,000 per member, per account, per day. If you need a larger amount, please contact us to accommodate your request.

How soon can I expect to receive funds after reporting fraudulent activity?

Provisional credit is will be posted to the account within 3-10 business days. Any exception to this timeframe will be explained to the member.

How can I change my mailing address?

A change of address can by submitted on Online Banking, by phone, in the branch, by US mail, or fax. By US mail or fax: complete and return an Account Update Form found in Forms & Disclosures. Address and fax number provided on the form.

Now that I have submitted my fraud claim, what happens next?

AFCU will investigate the claim activity with the merchant and provide a notification of the results upon completion.

How can I change/add/delete beneficiaries on my account(s)?

Simply complete and return an Account Update Form found in Forms & Disclosures.

How does debit or credit card fraud happen?

Fraudsters obtain your information using skimmers on gas pumps or ATM keypads, posing as someone you trust, merchant or card processor data breaches.

Do you offer Trust Accounts?

Yes - We offer "Revocable" Trust Accounts.

If my checking account is closed due to a fraudulent activity, will my debit card be closed as well?

No. If your debit card number was not compromised, it will be linked to your new checking account.

How much cash can I withdraw from an ATM?

You can withdraw up to $1005 a day with a Classic Debit Card and up to $1500 with a Gold Debit Card. You may check your balance at the ATM to ensure you have enough funds available for withdrawal.

Why am I being asked to close my checking account after reporting a fraudulent activity claim?

For your protection, if your checking account is compromised your funds will be transferred to a new account number.

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