Virtual Branch Online Banking!

Remember when home banking just involved a piggy bank? Times have certainly changed…with Virtual Branch, you will enjoy 24/7 access to your AAFCU accounts and online services. Transfer funds, view history to see when share draft/checks have cleared, direct deposits have arrived, loan balances, and much more! You can even download your transaction history into your personal financial software. Through Virtual Branch, you can also view your e-Statements; pay your bills using our secure online bill payment service; apply for a loan; send or receive money with people you know using Zelle; get information about your credit score with CreditSense, and sign up for our mobile app! Best of all, you can enjoy this updated version of home banking for the same cost as your old piggy bank version…FREE!

Click on the ONLINE BANKING block at the top right of our home page to enroll in Virtual Branch. On your first visit, you’ll need to enroll before you can access your accounts. Enrollment will only take a minute or two. If you have any problems with enrollment or questions about this service, call (724) 763-1172 or contact us for help. On future visits, just click on that block and log in.

Online Bill Payment Services

Are you tired of paying bills?

If you’re like most people, time is getting more and more valuable. Stopping by the post office to pick up stamps, sitting down to write out a check for each bill and remembering to drop them in the mail doesn’t always fit into the hustle and bustle of daily life. There is a way around it…Let AAFCU do it for you! While the credit union can’t actually supply the funds to pay your bills, it can eliminate some of the stress and time constraints associated with doing so. The service is called bill pay, and you can sign up for it and start using it right now. bill pay is just one piece of our Virtual Branch online services. To register for Virtual Branch services, click the Online Banking icon and follow the prompts. Registration for bill pay is available on the bill pay tab at the top of the page.

Think of the savings……you’ll purchase fewer checks, fewer stamps, your pens will last longer, and best of all, your time will again be your own! We’ll take on the hassles and aggravation of paying bills for you, including the postage!

Other fees will still apply–including overdraft fees, NSF fees, stop payment fees, etc.

Other services are also available through Bill Pay. These include sending and receiving money with people you know using Zelle; receiving e-bills; and scheduling reminders and alerts. You can also download your transaction history to your personal financial software program with .CSV files.

Questions specifically about your Bill Pay service can be answered between 7 a.m. and 1 a.m. (Eastern time zone), 7 days a week! Call 1 (833) 572-9892.

Send and Receive Money with Zelle®

We have partnered with Zelle® to provide you with a fast and easy way to send and receive money with friends, family, and people you know. With Zelle®, you can send money directly from your account to enrolled recipients in minutes, all from the convenience of online banking or our mobile app.

Easily start today using just your email address or U.S. mobile number:

Enroll or log in to Bill Pay
Select “Send Money With Zelle®”
Accept Terms and Conditions
Select your U.S. mobile number or email address and deposit account

That’s it! You’re ready to start sending and receiving money with Zelle®.

Don’t Have our Mobile App?

Download it for free:

Download on the App Store Get it on Google Play

Follow These Simple Tips to Ensure Your Money is Sent Safely

Know

Only use Zelle® to send money to friends, family, and other people you trust.

Verify

Make sure your recipient’s name, U.S. mobile phone number, and email address are correct before sending money.

Be Aware

If a payment situation feels off, it probably is. Trust your gut and investigate.

Watch the Video to Learn More about Zelle®

Frequently Asked Questions

How do I enroll and use Zelle®?
You can send, request or receive money with Zelle®.

To get started, log in to online banking or our mobile banking app and navigate to the “Send Money with Zelle®.” To enroll, accept terms and conditions, tell us your email address or U.S. mobile number and deposit account and then you will receive a one-time verification code. Enter it and you’re ready to start sending and receiving with Zelle®.
To send money using Zelle®, simply add a trusted recipient’s email address or U.S. mobile phone number, enter 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 if they are already enrolled with Zelle®.
To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “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 number.
To receive money, just share your enrolled email address or U.S. mobile 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.

How do I receive money that someone sent me 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 bank account and will be available typically within minutes.

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 Armstrong Associates FCU.
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 where you received the notification to ensure you receive your money.

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. Call our support team (724) 763-1172 and ask them to move your email address or U.S. mobile phone number to Armstrong Associates FCU so you can use it for Zelle®.

Once support moves your email address or U.S. mobile phone number, it will be connected to your Armstrong Associates FCU account so you can start sending and receiving money with Zelle® through the Armstrong Associates FCU mobile banking app and online banking. Please call Armstrong Associates FCU’s support at
(724) 763-1172 for help.

Is my information secure?
Keeping your money and information safe is a top priority for Armstrong Associates FCU. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

Who can I send money to with Zelle®?
Zelle® is a great way to send money to family, friends and people you are familiar with such as your personal trainer, babysitter or neighbor.1

Since money is sent directly from your bank account to another person’s bank account within minutes, ¹Zelle® should only be used to send money to friends, family and others you trust.

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 transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

Neither Armstrong Associates FCU nor Zelle® offers a protection program for any authorized 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.

What if I want to send money to someone whose financial institution doesn’t offer Zelle®?
List of Zelle® financial institutions.

If your recipient’s financial institution 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.

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

Can I cancel a payment?
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.

If you sent money to the wrong person, please immediately call services at
(724) 763-1172 so we can help you.

What are scheduled and recurring payments?
We offer you the flexibility to schedule payments to be sent at a later date if you like, or even set up recurring payments for things like regularly sending money to your college student.

Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Armstrong Associates FCU but are a separate service from Zelle® and can take one to three business days to process. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

Are there any fees to send money using Zelle®?
No, Armstrong Associates FCU does not charge any fees to use Zelle®. Your mobile carrier’s messaging and data rates may apply.

Armstrong Associates FCU does not charge fees to send or receive money with Zelle®, but there is a fee to cancel a Zelle® transaction that is still pending because the recipient hasn’t yet enrolled. If the recipient doesn’t enroll with Zelle® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed.

Your mobile carrier’s messaging and data rates may apply.

Are there any limits for sending and receiving money with Zelle®?
The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Armstrong Associates FCU send limits, call our service at (724) 763-1172.

There are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

¹ U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience.

Data charges may apply. Check with your mobile phone carrier for details. App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play and the Google Play logo are trademarks of Google Inc.

Armstrong Associates FCU
P.O. Box 191
Ford City, PA 16226
(724) 763-1172

Virtual Branch Info