F&A’s routing number 322078383 is on the home page of our website and the login page of online banking. Your Account number can be found by navigating to the dashboard in online banking, select any account tile to open the account information and click on the view (eye) icon to unmask the account number. In the mobile app click on an account and at the top click show details to view account information. If you are signing up for Direct Deposit or automatic payments, please use your MICR or book number which can be found under the Accounts > Account Details.
I have a Certificate of Deposit (CD) maturing. Can I advance that CD maturity to a future date?
This option is not automated, you will need to submit a request form. From the Dashboard navigate to the Statements & Support menu > Secure Forms. Choose the option Certificate Renewal (advance the maturity date). We will send you an email confirmation once we have received and processed your request.
Can I open new accounts online? If so, when will the funds be transferred to the new account?
Yes. From the Accounts menu select Open Deposit Account. Follow the prompts to select the type of account you wish to open. Once your request has been processed the funds will be transferred into the new account.
How can I add or modify a nickname on one of my accounts?
From the drop-down menu next to your profile name select Settings > Accounts Tab. Click the edit (pencil) icon to nickname your accounts, change the account color or hide this account on your dashboard view.
How do I receive alerts and notifications via text or email?
To receive alerts and notifications you will need to “turn on” this feature. From the Dashboard, navigate to Tools > Alerts. This page will allow you to control which alerts and notifications you receive.
How do I notify you that I will be traveling outside of my typical spending area?
You will need to notify us, ideally 3-5 business days before your travel begins. From the main navigation menu select Statements & Support > Secure Message Center. Click “Compose” then select General Inquiry from the drop-down menu. Complete the requested information and send your message.
Will you still offer bank checks via online banking (check to self)
No, this service has been discontinued. As an alternative, members can withdraw cash at an ATM if they have a card, they can go to a shared branch and get a check (there may be a fee for this), they can set up External Transfers to be able to transfer to another bank account and they can set themselves up as a payee in Bill Payment and have a check mailed to them.
How can I make changes to my current direct deposit information or initiate a new direct deposit from another financial institution or government agency.
We plan to launch an online tool in Online Banking within the next quarter and will provide more details at that time. If you need help with direct deposit today, please reach out to our Telephone Service Center for guidance.
How can I make a principal only payment on one of my F&A auto or real estate loans?
From the Move Money menu select Transfers and Payments and then select the from account and the loan you want to pay for the to account and use the payment type drop down to select payment type (principal, regular, payoff).
Will I continue to make loan payments in online and mobile banking the same way I do today?
Payments to your F&A loans can be made using the transfer feature, just like it is today. From a loan account use the Pay Now button to quickly make a payment or navigate to the Move Money menu and select Transfer and Payments to transfer funds to a loan account.
Can I make a loan payment using a checking/savings account, or debit card from another bank? Is there a fee to do this?
Yes. From the Move Money menu select Loan Payment Service and follow the prompts. You can make a payment from another account (ACH) or using a debit card. Credit Cards are not accepted. You can manage source accounts, schedule, and manage payments. There is no fee for this service.
Am I able to calculate and process a payoff of a loan in Online and Mobile Banking?
Login to Mobile banking, click on the loan you would like to see the payoff for and click Calculate Payoff. For Online banking, click on the loan you would like to see the payoff for and click on Account Details to enter the payoff date and then click Calculate. While you can see the payoff for a mortgage loan, you cannot pay it off via Online/Mobile banking.
From the drop-down menu next to your profile name select Settings > Accounts Tab. Click the edit (pencil) icon to nickname your accounts, change the account color or hide this account on your dashboard view. You can also drag and drop your accounts to reorder them on your dashboard.
How do I view and change my contact information (address, email, phone, etc.)?
From the drop-down menu next to your profile select Settings and select the Contact tab. Click the edit button (pencil) to change any information on your profile. A confirmation will be sent to your preferred method of communication, and you may be required to perform multi-factor authentication to complete the process.
Visit the App Store or Google Play to download the latest version of the F&A Federal Credit Union app and make sure you keep your app updated (we recommend auto updates) to ensure seamless functionality.
Tap the Deposit Check icon at the bottom of the home screen. Choose the account; you will be directed to a screen where you can view deposit activity on that account. Switch between accounts using the dropdown menu of accounts.
How do I send money to my external account with another financial institution?
From the dashboard in Online Banking click the Get Started button under Link External Accounts. For the easiest and quickest setup, select Add an Account Instantly and follow the steps to add an external account. Once confirmed, you will be able to transfer from and to your external accounts.
How do I receive an external transfer from another financial institution?
You first have to link the account from the other financial institution. To link an account, navigate to Move Money > Transfers & Payments > More Actions > and click Add Account. You can either use your Online Banking credentials from the other FI to set up your external account instantly or you can choose to add an account manually using micro deposits, which will take approximately 3 days to verify.
Sending and receiving money can be accomplished using Zelle, Bill Pay, or Move Money > Transfers & Payments if the sender/receiver is an F&A Member. The legacy P2P function is not available in our new system.
To initiate a wire transfer request from the Move Money menu select Wire Transfer Request then click the button to create a New Wire Transfer. We will contact you to confirm your wire transfer request information.
Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts 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 bank1.
It’s easy — Zelle® is already available within the F&A mobile app! Log in to Mobile banking, click More (from the shortcut buttons at the bottom of your screen) the click Move Money - then select the Send Money with the Zelle option.
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 click “Send.” In most cases, the money is available to your recipient in minutes1.
To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and click “Request”. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile phone number.
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 F&A account, typically within minutes1.
What if I get an error message when I try to enroll an email address or U.S. mobile number?
Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union.
If you would like to move your email address or U.S. mobile phone number from the financial institution where you initially enrolled with Zelle®, simply click “Transfer” when prompted during the Zelle® enrollment process and confirm your desired changes.
Once you transfer your email address or U.S. mobile phone number, it will be connected to your bank account at the financial institution you selected, and you can start sending and receiving money with Zelle® right away.
When you enroll with Zelle® through the F&A app, your name, the name of your bank/credit union, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with F&A). When someone sends money to your enrolled email address or U.S. mobile number, Zelle® looks up the email address or mobile number in its “directory” and notifies F&A of the incoming payment. F&A then directs the payment into your F&A account, all while keeping your sensitive account details private.
Keeping your money and information safe is a top priority for F&A. When you use Zelle® within our Mobile app your information is protected with the same technology we use to keep your F&A account safe.
You can send money to friends, family and others you trust1 even if they have a different bank or credit union. Since money is sent directly from your F&A account to another person’s bank account within minutes1, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.
I’m unsure about using Zelle® to pay someone I don’t know. What should I do?
If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®.
These types of transactions are high risk (just like sending cash to a person you don’t know is high risk). Neither F&A nor Zelle® offers a protection program for any payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor1. Since money is sent directly from your F&A account to another person’s bank account within minutes1, Zelle® should only be used to send money to friends, family and others you trust. Neither F&A nor Zelle® offers a protection program for any payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your F&A mobile app using just their email address or U.S. mobile number. Neither F&A nor Zelle® offers a protection program for any payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.
You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select "Cancel This Payment."
If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
Once money is sent, if you accidentally sent it to the wrong person, you cannot stop it if the recipient is enrolled with Zelle®, and F&A cannot reverse the payment.
Are there any limits for sending and receiving money with Zelle®?
For your security, we restrict transaction and daily (24-hour) limits on the dollar amount you can send to recipients. Transfers from your accounts may be made in any amount from $1 up to the limits shown below. All transfer limits are subject to temporary reductions to protect the security of member accounts and/or the transfer system.
What if I want to send money to someone whose bank doesn’t offer Zelle®?
You can find a full list of participating banks and credit unions live with Zelle®here.
If your recipient’s bank isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.
To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.
Someone sent me money with Zelle®, how do I receive it?
If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your F&A account, typically within minutes1.
If you have not yet enrolled with Zelle®, follow these steps:
Click on the link provided in the payment notification you received via email or text message.
Select F&A Federal Credit Union
Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.
How long does it take to receive money with Zelle®?
Money sent with Zelle® is typically available to an enrolled recipient within minutes.
If you send money to someone who isn’t enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will be sent directly to your recipient’s account, typically within minutes.
If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.
If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.
Still having trouble using Zelle®? Please give the F&A team a call toll-free at 800-222-1226 or get in touch through our secure message center.
1U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not have fees. 2In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Can I set up electronic card payment functions on my mobile device?
Apple Pay, Samsung Pay and Google Pay are safe payment options that can make shopping more convenient. See your mobile device settings for details on how to set up your F&A Visa credit and debit cards for mobile payments.