Frequently Asked Questions
Have questions? We’ve got answers.
Accounts & Membership FAQ
Who can join A&S Federal Credit Union?
If you live, work, worship, or attend school in the Beaver Valley and surrounding areas, you may be eligible for membership. Learn more here.
Is there a minimum balance required to open a checking or savings account?
Just $5 to open a savings account, and no minimum for checking!
How do I open an account with A&S Federal Credit Union?
To open a credit union account, bring a valid, unexpired driver’s license or state-issued ID with your current address to our branch. A minimum $5 deposit will open your membership savings account. From there, you can also open a checking account or additional savings accounts — all with no added cost to open.
Can I open an account online?
Not quite — but we’ve got you! While you can’t open a new account online just yet, non-members can start a loan or credit card application online. Once submitted, our team will review your info and personally reach out to walk you through your options and next steps.
Already a member? Just log into Online Banking to apply for loans or open certain types of accounts quickly and securely.
Can I open a business account with A&S FCU?
Yes! To open a business account, please bring:
- Your business license with EIN (or SSN for sole proprietors)
- Articles of Organization
- Operating Agreement including beneficiary ownership
Digital Banking & Communication FAQ
How can I keep up with A&S FCU news and updates?
Follow us on Facebook (@A&S Federal Credit Union) or Instagram (@asfederalcreditunion). You can also subscribe to our email list right from the homepage at asfederal.org.
What is Online Bill Pay?
Online Bill Pay lets you schedule and pay bills directly from your A&S checking account using our secure mobile app or online banking. It’s often more secure than using a debit card.
Can I get my paycheck early?
Yes, if you see your pending direct deposit in your online account (usually 1–2 days before payday), you can post the deposit early. You can also call us at 724-375-0248 to post it for you. A $25 processing fee applies and will be withdrawn from the deposit.
Do you offer online banking and a mobile app?
Absolutely. Our mobile banking app lets you deposit checks, transfer funds, pay bills, and more — anytime, anywhere. A&S FCU Visa credit card holders also have access to the A&S FCU Visa app for account management.
How do I access my account after hours?
Use online banking, our mobile app, or use a local surcharge-free ATM.
Loans & Credit FAQ
What types of loans do you offer?
We offer home equity loans, personal loans, auto loans, and more — all with competitive rates and flexible terms.
Can I apply for a loan online?
Yes! Visit our Loan Application Center to get started.
Card & ATM Services FAQ
Can I deposit checks or cash at the ATM?
Our ATM does not accept deposits, but we offer a secure night drop box next to the ATM. Use the provided envelopes and include your name, account number, and deposit amount.
Need an ATM that accepts deposits? Use cudollar.org to find a nearby deposit-enabled ATM with no surcharge fees.
Are there limits for mobile check deposit?
Yes. You can deposit up to $3,000 per check and $5,000 per day using mobile deposit. Deposits are subject to our standard check hold policy.
Do I need to notify the credit union before I travel?
Yes, please let us know about any upcoming domestic or international travel so we can update your debit and credit card security settings. This helps avoid declined transactions while you’re away.
How can I check my A&S Visa® credit card rewards?
You can view and redeem rewards two ways:
- Log into the A&S FCU Visa app and tap Rewards → View Balance or Redeem
- Use the A&S Federal Credit Union mobile app and tap the three dots next to your card → PSCU Management → curewards.com
Fraud & Account Security FAQ
How can I protect my personal and financial information?
Never share personal or financial details over the phone, email, or text. Avoid unsolicited messages or job scams that ask for money upfront. Use prepaid cards when shopping online from unfamiliar retailers and avoid entering debit card info on untrusted sites — especially overseas businesses, where fraud is more common.
What should I do if I suspect fraud on my account?
First, review your account for recent transactions or subscriptions. If you recognize the charge but want to cancel, contact the merchant directly.
If you do not recognize the charge, contact A&S immediately and we’ll begin a fraud investigation.
I received a message claiming to be from A&S FCU’s fraud department. Is it legitimate?
Our fraud department may contact you to confirm suspicious transactions, but they will never ask for personal details like your full SSN or online banking credentials. If you’re unsure, hang up and call us directly.
Will my check be put on hold?
Some checks may be held for up to 10 business days — especially if they are high dollar amounts, from out-of-state banks, or appear suspicious. This helps us protect your account from fraud.
Can I use my debit card for rental car transactions?
Account Updates & Info FAQ
How can I change my mailing address or phone number?
You can update your contact info by:
- Logging into online banking
- Visiting our branch with your updated ID
- Bringing a utility bill, lease agreement, or official document showing your new address
Didn’t find what you were looking for?
Contact us directly — we’re happy to help.