Home Banking

Account access on the Internet—anytime, anywhere—with amazing flexibility. From the comfort of your home or office, you can transfer money between accounts, access account history, pay loans and bills, withdraw funds, export information to your computer to work with other home software, and more! Sign up to have your statements emailed to you. Click here to sign up for eStatements and download an Online Banking application.

And now, your personal banking is even more convenient. Members who are signed up can now view their past and current statements. Yet another reason to sign up for "free" online home banking.

VISA Check Card — Fee Free* and Surcharge Free**

The AFCU VISA Check Card can be used instead of a check to make a purchase or as an ATM card to get cash. Your VISA Check Card is accepted at most merchants and at STAR, Plus, Honor, and the Exchange ATM’s.

• No minimum balance
• No monthly service fee
• No point-of-sale transaction fee
• Surcharge FREE withdrawals through the AllPoint Network. Click here to locate the nearest participating ATM. www.allpointnetwork.com.
• Surcharge-free using AFCU ATMs. See ATM locations under General Info.

Debit Card Use Policy

We provide debit cards to accountholders who we believe can manage their debit card use within the limits of available funds, including any amounts available under Overdraft Privilege for accountholders who have opted in to payment of overdrafts for every day debit card and ATM transactions.  We have established this policy to address debit card usage that results in an unacceptable level of transactions in excess of the amounts that are available to pay debit card transactions.

Allentown Federal Credit Union maintains a debit card available balance for each account.  This balance, if available, will allow those debit card account holders who have remaining available limit, including, if applicable, an overdraft privilege limit, to complete a transaction via debit card or ATM.  These transactions, if within the available this limit, are considered reasonable.  We understand that there may be rare occasions when a Member may have a transaction approved that, when presented, may exceed this limit and therefore have established a maximum number of 2 to accommodate these inadvertent occurrences.

Any and all debit card and/or ATM transactions in excess of the established maximum number of occurrences of transactions that exceed the debit card available balance are considered to be unacceptable use of the debit card.

Accountholders will be sent notifications upon each occurrence of unacceptable use of a debit card.  Upon each notification, the Member will be given the opportunity to have additional funds made available through their debit card and, if unacceptable use continues without resolution, the card(s) will be revoked.  Cards may be reactivated at our discretion.

The following notifications will be sent upon the designated occurrences:

First occurrence of unacceptable use

A standard overdraft notice and a card warning notice will be sent to card holder, warning them that, “You have exceeded your debit card available balance.  Any card transaction in excess of available balance is considered unacceptable.  Debit cards on your account will be revoked if you have more than 2 occurrences of exceeding your debit card available balance.  Please contact us to discuss the options available to you to increase your debit card available balance, at (610)820-8440.”

Second occurrence of unacceptable use

On the second occurrence, a standard overdraft notice and a card warning notice will be sent to card holder, warning them that, “You have exceeded your debit card available balance.  Any card transaction in excess of available balance is considered unacceptable.  Since a card on your account has previously exceeded your available balance, it is our policy to revoke your card on any future occurrence.  Please contact us to discuss the options available to you to increase your debit card available balance, at (610)820-8440.” 

A call will be made to each Member advising them of their options to avoid loss of their card(s) if no contact is made.

Third occurrence of unacceptable use

On the third occurrence, a Member will be sent a letter notifying them that their card has been revoked and is not available for future use.  The card will be revoked and a call will be made to each Member advising them of their options to have their debit card reinstated.

Adopted 8/19/10

Audio Response

Audio Response provides fast and free access to your accounts via a touch-tone phone. By using Audio Response, you are capable of conducting a variety of financial transactions 24 hours a day and 365 days a year, including transferring funds between your accounts, requesting check withdrawals mailed to you, and verifying checks cleared.

Click Here for more information about Audio Response.

* See Accounts > Fees for complete list of charges.
** Allpoint
Please Note: Account Transfer Limitations - During any statement period, you may not make more than six withdrawals or transfers to another credit union account owned by you or a third party by means of a preauthorized or automatic transfer, or telephonic order of instruction. No more than three of the six transfers may be initiated by check, draft, debit card, if applicable, or similar order to a third party. If you exceed the transfer limitation in any statement period, your check or ACH debit will be returned unpaid and a non-sufficient funds fee will be charged to your account.