Questions? We’re here to help.

A credit union is a member-owned, not-for-profit, cooperative financial institution. For similarities and difference between credit unions and banks click here.

Please see our membership eligibility section

Member numbers can be found at the the top of your monthly statement. If you do not have a statement available, stop by one of our branches to obtain your member number. Alternately, we can mail it to the address that is in our system. Note: For security reasons, we do not give out member numbers over the phone.

Please visit the branch locations page.

Our Routing/ABA/Transit Number is 231278274.

Regulation D impacts the number of transfers and withdrawals allowed from Club Savings, Money Market Savings & IRA Accounts.

Certain transactions on these accounts include:

• Voice Banking transfers/withdrawals
• Mobile Banking transfers/withdrawals
• Overdraft Protection transfers
• Transfers/withdrawals done over the phone with a Member Service Representative
• ACH or direct debit withdrawals

After the 6th transaction, further transactions may be returned, reversed, refused or assessed a fee.

Note: This Regulation does not affect Primary and Secondary Savings Accounts. For further details, please call the Contact Center.

From the Online Banking Logon Screen, click on "reset my security code." After completing the capcha and enterting your Logon ID, an Email will be sent to the Email address on file. The Email will provide you with a confirmation code. Once you enter this code, you will have to answer one of your security questions. Upon completion, you will be able to create a new security code.

When you incorrectly answer a security question three times, you will see an alert message that your account has been locked and a temporary security code has been sent to the Email address on file. When received, enter your temporary security code. You will be prompted to select new security questions.

Please note: Your answers are case sensitive

Yes, ABCO FCU utilizes the latest data encryption technology to ensure the protection of member information.

The funds will be transferred immediately.

Yes, if you have a checking account with ABCO. In Online Banking go to "Pay Bills" --> "Transfer Money". There is no fee to bring funds into the credit union or to send funds from the credit union to another financial institution. Funds take between 3 and 5 days to transfer.

The number is 800-508-9667.

Yes. If a properly scheduled payment is not received and posted on time by the payee, we will attempt to have any late fees or assessed finance charges removed. If the payee is unwilling or unable to remove them, we will pay the fees and finance charges directly to the payee.

All debit/credit charge replacements are automatically issued and are mailed about 2 weeks before the end of the month. The card is good up until the last day of the expiring month.

To activate your debit card, please call 1-800-992-3808, select option 4 and follow the prompts. You must call from a phone number we already have on file to activate or make any pin changes. If this is a joint owner, you will need to enter the last 4 of the primary's social security number, not your own. .

Please contact the merchant first when possible to try and obtain a resolution. If you are unsuccessful at obtaining a resolution, please contact card services at 800-225-1859.

Please contact card services at 800-225-1859 or stop into a branch.

VISA® payments are due on the first of each month. You can view details on your VISA® account and make payments by signing up for online banking.

When balances are not paid in full each month, a finance charge will accrue.

Call 800-225-1859

If you've been approved, the Lending department will contact you within one (1) business day. If you have not been been approved, you will receive a letter within (5) business days indicating the reason(s) for denial.

We will keep an application active for 30 days. After that time, we will need to pull credit again. A Pre-Approval offer is valid for 30 days, after which you will need to re-apply.

There’s no waiting period. You’re eligible for our services as soon as you open your account.

Your employer continues to send your funds until they receive another payroll form indicating that you’d like to adjust your services. The funds are in your account and they are available.