Advanced Financial Federal Credit Union

Advanced Financial

Federal  Credit  Union

Banking… Only Better
We’re here to help. We’ve gathered answers to some common questions on this page and will add more as we add new services or features. If you find you still need help you can reach our team Monday to Friday 8AM to 4:30PM or Saturday 9AM to 12:30PM by phone or email.

Frequently Asked Questions

Click on the questions below to see answers to our most frequently asked questions.

Banking

Are my deposits insured?
Your deposits are federally insured up to a total of $250,000 per ownership interest by the National Credit Union Association (NCUA).

NCUA insurance is the equivalent of FDIC (Federal Deposit Insurance Corporation) insurance. The difference is that the NCUA works with credit unions while the FDIC works with banks
How do I make a withdrawal from my primary savings account?
You can withdraw money in a few ways:

- Visit the branch
- Online funds transfer
- Outgoing wire transfer
- Telephone transfer
- Check request
How can I view my debit card transaction history?
Log into Online Banking and click on the account you’d like to view. The transactions will appear beginning with the most recent.
Is my checking account secure?
Yes, in addition to continued fraud monitoring, all of your deposits are federally insured, up to $250,000 through the NCUA.
What is Advanced Financials’ ABA routing number?
Our ABA routing number is 221276817
Where can I find a list of Advanced Financials’ fees?
Looking for the service fees listing? Click here for our current list of service fees
Where can I find a form?
You can find our forms by clicking here clicking here.
What is the procedure for closing an account?
For information about closing your account, please contact a Member Service Representative for help. Please check our “Contact Us” page for hours and phone numbers
How do I find an ATM Location??
Use our ATM locator to find one of our 80,000+ surcharge-free ATMs near you, including deposit-taking ATMs.
How do I set up a direct deposit with my employer?
If your human resources department offers direct deposit, ask them for their direct deposit form. You’ll typically need to provide them with Advanced Financials’ routing number (221276817), your checking/savings account number, and your account type. You can also set up a direct deposit using this direct deposit form.
How do I send a wire transfer to Advanced Financial?
See this fillable PDF for instruction on wiring funds into an Advanced Financial FCU account. Download PDF.
What happens when an account holder is deceased?
Instructions on processing and handling of deceased account holders can be found on thie PDF document below. IRA Accounts will be distributed according to beneficiary designations. NOTE: Power of Attorney (POA) is no longer valid on the death of the individual who granted the POA. Download Instructions.

Online/Mobile Access

What do I do if my username is blocked when logging into Advanced Financial Online?
Your username can be blocked when your security questions have been incorrectly answered. To request that your username be unblocked, please contact a Member Service Representative at 800-237-5626.
What do I do if I forgot my username and/or password?
If you have forgotten your online username or password, please click the 'Forgot?' link located in the blue box in the upper right-hand corner.
Simply choose 'Forgot Username' or 'Forgot Password, and the link will direct you through the process to re-establish your login username or password.
How does Mobile Check Deposit work?
Mobile Check Deposit works by using the camera on your phone to capture an image of the check. The image is processed the same way as making a deposit at a branch or at an ATM. None of the check images are stored on your phone, so you can rest assured that it is secure. Your check image is transmitted for processing and verification. Funds are credited to your account, subject to holds and verification.
Does the mobile app offer mobile check deposit?
Yes. Using the camera on your smartphone, you can deposit a check into your account remotely using the Digital Banking app.
What is Zelle® and How do I use it?
What is Zelle®?
Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.

How do I use Zelle®?

To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your account, typically within minutes

Is my information secure?
Keeping your money and information safe is a top priority. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your Advanced Financial Federal Credit Union account safe.

Can I use Zelle® internationally?
To use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

Will the person I send money to be notified?
Yes! They will receive an email or text message notification via the email or U.S. mobile number they used to enroll with Zelle®. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Borrowing

What automobile year models are eligible to finance?
We finance new and used vehicles up to 7 years old. Certain restrictions apply for older vehicles, ask your loan officer for details.
What is Guaranteed Auto Protection (GAP)?
GAP pays the difference between the actual cash value of a vehicle up to the balance remaining after your auto insurance company settles your claim in the event your auto is in an accident and is declared a total loss.
Can I get a pre-approval letter for car dealership for my auto loan?
Your loan officer can provide you with a Pre-Approval letter that you can provide to a dealer.

Saving / Investing

Is there a minimum deposit required on share certificates?
Yes. The minimum deposit needed to open an account is as low as $500
Are there benefits of having my money in a share certificate rather than in savings?
A certificate is going to earn a fixed rate for the entire term, as opposed to a savings account having a fluctuating rate. No matter what happens to certificate rates, you are guaranteed the rate that you lock in at for the entire term.
What terms are available on share certificates?
Available terms are 6, 12, 18,24, 36, 48, and 60 months. Occasionally, other terms are available on a promotional basis.
Need Something Else


Email Us at memberservices@advfinfcu.com,

or Call Us: 800-237-5626


Advanced Financial
Federal Credit Union
New Providence | Roselle | Scotch Plains | West Orange

Our routing number for direct Deposits: 221276817
Federally Insured by NCUA
We do business in accordance with the fair housing law and equal opportunity act

Member of NCUA Equal Housing Lender Excess Share Insurance