Lost or Stolen Card?
If your APCO debit card has been lost or stolen, it must be reported to APCO Employees Credit Union immediately by calling 1-800-249-2726 or 205-226-6800. After hours, call 1-888-241-2510.
If your APCO VISA Credit Card has been lost or stolen, please call 1-800-991-4961 as soon as possible (24-hour support available.)
General Questions and Answers
- Who is eligible to join APCO Employees Credit Union?
- How do I join APCO Employees Credit Union?
- Once I become a member, can family members join, too?
- Are my funds insured at APCO Employees Credit Union?
- How do I make deposits into my accounts?
- Do deposits post the same day they are made?
- What are Direct Deposit and Payroll Deduction?
- How do I sign up for Direct Deposit or Payroll Deduction?
- What is the difference between my balance and my available balance?
- What is APCO Employees Credit Union’s routing number?
- How long must I be a member before I can apply for a loan?
- Do you offer Mortgage Loans?
- Do you offer Overdraft Protection and Overdraft Privilege?
- What is the difference between Overdraft Protection and Overdraft Privilege?
- How do i opt in?
- Do you offer Online Banking and Bill Pay?
- How do I sign up for Online Banking and Bill Pay?
- What is CAT Audio Response?
- How do I change my address?
- What is the Holiday Schedule?
Debit Card FAQ
- How does the APCOCU debit card work?
- How can I use my debit card at an ATM?
- What if my debit card is lost or stolen?
- How much cash can I withdraw at an ATM?
- At which ATMs can I use my card?
- Are there any fees when I use my card for ATM transactions?
- What is the difference between a credit card and a debit card?
- Does my debit card have spending and/or cash advance limits?
- What does it mean when I use my debit card and the clerk asks “debit or credit?”
- Is there a fee to use my debit card for purchases
- How do I keep track of my debit card purchases?
- Does overdraft protection on my checking account work with purchases I make with my debit card?
- What if a purchase posts to my checking account that I did not authorize?
Online Banking FAQ
- Does my password ever expire?
- I forgot my PASSWORD! What do I do?
- What is the Security Feature?
- I would like to have Internet Account Access. How do I get signed up?
- Can I pay my bills online?
- Why can’t I do more than six automated transfers per month?
- How far back can I go on my History?
- How can I display a full screen of transactions when viewing my accounts online?
- Can I access all of my accounts from just ONE UserID?
- Why can’t I view my most recent check images?
Bill Pay FAQ
- How do I enroll?
- How do I setup a payee?
- Are there any Merchants that cannot be paid via Bill Pay?
- How do I set up a Payment?
- Can I change the date of a payment I have setup?
- Can I cancel a pending payment?
- How are my payments processed?
- When is my payment withdrawn from my account?
- How long does it take for a payment to reach a merchant?
- Can I sort my Payment History by Payee?
- What if I need help?
My Virtual StrongBox FAQ
General Questions and Answers
A: You are eligible to become an APCO member if you are in any of the following categories:
-An employee or retiree of Alabama Power Company, Southern Company Services, Southern Nuclear or other affiliated companies of the Southern Company.
-An employee or retiree of other designated groups or organizations.
-Family member, related by blood or marriage, to any APCO Credit Union member.
A: Just fill out a membership application, deposit at least $25 into a regular share account and start taking advantage of the money making and money saving services available at your Credit Union.
A: Yes! Membership is open to all family members, including your spouse, children, parents, siblings, in-laws, and grandparents. Your family members can join us even if they live out of our geographic area.
A: Yes! Your money is safe. Your savings is insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government. IRA accounts are insured separately up to $250,000.
A: You can make deposits in person, by mail, through an electronic ACH transaction, or automatically through direct deposit. Most office locations have a “Night Drop” box which allows you to drop off your deposit after-hours.
A: Yes, all deposits are effective immediately unless the teller informs you of a hold placed on the check.
A: If you work for a company that offers Payroll Deduction, you can have part of your check deposited automatically into your accounts. Some employers allow Direct Deposit, which deposits your entire paycheck directly into your Credit Union account on payday. In addition, Social Security, pension or any other recurring federal payments can be deposited directly into your account.
A: In most cases, you can contact your employer’s Payroll/Human Resources Department to sign up for either of these services. You will need your 10-digit Credit Union account number and Credit Union Routing # 262087609. Here is a direct deposit form you can take to your employer’s Payroll/Human Resources Department.
A: All of our members maintain $25 in their Credit Union share account. This stays in your savings throughout the life of your account. The balance represents the amount in your account including share, check holds and loan pledges. The available balance is the actual amount that you may withdraw from your account.
A: Our routing number is 262087609
A: You are welcome to apply for a loan at any time.
A: Yes. Our mortgage department offers a variety of mortgage loan options all designed to fit your needs. We have options for those looking for their first mortgage loan to those considering a reverse mortgage. Our experts will take the time to listen to your needs and answer all your questions. Visit our Online Mortgage Center here.
A: Yes! Your Credit Union has several ways you can avoid returned checks if you don’t have enough money in your checking. If you write a check, use your debit card or preauthorize a payment from your account and you don’t have enough to cover it, your Credit Union will pay it.
A: Overdraft Protection is a contractual agreement which transfers funds from your Credit Union share account to cover charges that would otherwise create insufficient funds in your checking account. Overdraft Privilege is a service which allows an account to go negative in order to pay an item that charges your checking account.
2. Call 1-800-249-APCO(2726) or 205-226-6800 to speak with a call center representative that can process your request over the phone.
3. Call your local branch to Opt-In over the phone.
4. Stop by any branch and Opt-In.
A: Absolutely! Our FREE online banking service is a secure, easy way to access your Credit Union accounts 24 hours a day, 7 days a week. You can view account balances, check transaction history, make transfers & loan payments, view cleared checks, withdraw funds by check and much more.
Our FREE Online Bill Pay allows you to pay all of your bills directly from your Credit Union checking account without having to write and mail checks.
A: Click here to sign up for online banking. Once you are enrolled, you can set up your Bill Pay from there.
A: Call A Teller (CAT) is another FREE service that gives you fast access to your accounts using a touch-tone telephone. Transfer money, check balances, request a check withdrawal, make loan payments and more.
A: Simply fill out and sign the address change form here and mail it to our Main Office.
A: The Holiday Closing Schedule is as follows:
New Year’s Day
M.L. King, Jr. Birthday
Thanksgiving Holidays (Thanksgiving Day and Day After Thanksgiving)
Christmas Holidays (December 24 & 25)
Debit Card FAQ
A: You use a debit card much like you use a Credit Card, but the money is coming directly from your Checking Account. The amount of your purchase must be available in your Checking Account at the time the purchase is made. It also functions as an ATM card.
A: Simply insert your card into the Automated Teller Machine (ATM), enter your Personal Identification Number (PIN), and the screen will lead you through the transaction. You may check balances and withdraw cash at all Credit Union ATMs. Access to your funds is also available through the Co-Op Network.
A: If your debit card has been lost or stolen, it must be reported to APCO Employees Credit Union immediately by calling 1-800-249-2726 or 205-226-6800. After hours, call 1-888-241-2510.
A: You can withdraw up to $1000 per day, provided funds are available in your account.
A: Access to your funds is available through the Co-Op Network.
A: There are no fees when you use your cards at Co-Op ATMs. However, when you use your cards at ATMs that are not Co-Op, there may be a fee.
A: Although you use a debit card much like you use a credit card, the method of payment is different. When using a debit card, you are using the money from your checking account. The amount of your purchase must be available in your checking account at the time the purchase is made. When using a Credit Card, you are borrowing money against your available credit line. You pay that money back when you make your monthly payment.
A: Yes. There is a limit of $5000 per day on purchases and $1000 per day on cash advances.
A: There are two types of debit card transactions: debit (PIN) and credit (signature). When paying for a purchase, the clerk will ask “debit or credit?” When you reply “debit” to the clerk, it becomes a PIN transaction. You are required to enter you Personal Identification Number (PIN) after the card has been swiped though a point of sale terminal. With PIN transactions, funds are withdrawn from you checking account immediately at the time of the transactions. When you reply “credit” to the clerk, it becomes a signature transaction. With signature transactions, funds are held in your account at the time of purchase until the transactions post to your account 1-3 days later.
A: There is no fee to use your debit card for purchases.
A: Record the amount of each transaction in your check register. Even if you lose track or miss a transaction, all purchases are detailed on your monthly checking account statement. Also, you can keep track of every purchase with online banking that’s available 24/7.
A: Yes. If the funds are not available in your checking account at the time of purchase, but you have overdraft protection through your share account, the transaction will be processed. Overdraft Privilege will only work for everyday transactions if you Opt-In.
A: If your Credit Union debit card has been lost, stolen or you suspect unauthorized use, immediately call Member Services at 1-800-249-2726 or 205-226-6800. To protect your account from unauthorized use, memorize your PIN. Do not keep the PIN with your debit card.
Online Banking FAQ
A: No, your password will never expire. If you have any questions or need assistance, please contact us Monday-Friday during normal business hours at 205-226-6800.
A: Your PASSWORD is case sensitive. (When typing in your Password, check your caps lock key, make sure it is set appropriately). If you forgot your password or your account is already in the locked status, you will need to contact Member Services during normal business hours Monday-Friday at 205-226-6800.
A: Users of PC Banking have always authenticated themselves to gain access. From now on, PC Banking will reciprocate and will also authenticate itself to you. You will know with every certainty that you are visiting PC Banking because you will be presented a graphic and phrase each time you login to APCO Employees Credit Union.
A: In order to start the process, click on this link. You will need to complete the application, print it out, sign it, and mail it to the address below.
A: YES. Bill Pay is available for FREE to all members with an active checking account. Simply login to your online account, go to the Bill Payment tab, then click on Enrollment Options to enroll.
A: You will have access to the past 7 months of account history.
A: Click on the “Click Here to print this page” button. This will open a new window and display your transactions.
A: Each User ID can only be tied to one primary account number. If you have other accounts or loan(s) listed under a different account number, you must Sign Up to get another User ID and Password created to view those accounts. Once this is done, you can setup your account to view your other account(s) (see the next Q/A below). If you want to transfer funds from one account number to another and cannot, please contact us by calling 205-226-6800.
A: YES. This is called Multiple Accounts. In order for this to work, each account must have a separate UserID and Password setup for each of your accounts that you want to access. Once this is done, login and click on “Your Preferences / Multiple Accounts”, then click on the “Add Account” link. Follow the simple instructions and you’re done.
A: Check images take approximately 1-2 business days from the time they clear your account until you can actually view the image in your account.
Bill Pay FAQ
A: Log in to your Credit Union online banking. Under the ‘Bill Payment’ tab, choose ‘Enrollment Options’. Then, simply choose which accounts you would like to enroll.
A: Under the ‘Bill Payment’ tab, choose ‘Make a Payment/Add a Payee’. A screen is displayed where you are to fill in the required information. Click ‘Add Payee’ and the record is added to your personal payee list.
A: Yes, the following merchants are not eligible payees:
-Governmental agencies (including but not limited to) federal, state and local taxing authorities, collection agencies, recipients of court-ordered payments such as child support and alimony.
– Payments outside of the United States are also excluded.
A: Under the ‘Bill Payment’ tab, choose ‘Make a Payment/Add a Payee’. A screen is displayed where you are to fill in the required information. Select the payee and enter the amount of the payment. Enter the scheduling information, type of payment (one-time or recurring), then click Submit.
A: Yes, choose ‘Payment Activity’ under the ‘Bill Pay’ tab on the toolbar. Choose ‘Modify Payment’ to edit any of the following items: Amount of Payment, Type of Payment, Payment Date and Payment Frequency.
A: Yes, by clicking on Delete Payment you can remove a pending payment. The page will display detailed information about the selected payment for you to review before removing the payment.
A: Payments are processed and sent to merchants electronically or by check. The type of payment (electronic or check) depends on the merchant – if the payment can be received electronically, this is the preferred method.
A: Funds are withdrawn from your checking account on the processing date. These funds are then processed and sent to your payee.
A: From the day the payment is processed, allow two (2) business days to process electronic merchants and five (5) business days for paper check merchants.
A: No, your payment history is automatically sorted by date processed. There is no search or sort feature with this service. All of the payments can be located by date.
A: If you have any questions, you can contact Member Services at 1-800-249-2726 or 205-226-6800.
My Virtual StrongBox FAQ
A: My Virtual StrongBox lets you access your information when it’s most needed. You can keep copies of medical histories, insurance information, titles, deeds, tax information — all at your fingertips.
A: You may ask why you should store documents in My Virtual StrongBox when other ‘cloud storage’ providers offer more space. The answer is security.
Think of your favorite cloud storage provider (Dropbox, Google Drive, etc.) as a garage. It holds a lot is convenient, but do you trust it to keep your most precious documents and important records?
My Virtual StrongBox is more like a safe or a safety deposit box — it offers just enough storage for CRITICAL files, backed by our promise of total information privacy. Only YOU can read and use files you’ve stored in the system, and only YOU have the keys to open your account.
Your documents are protected by several layers of security, including multi-factor authentication, protected servers, and encrypted file uploads.
A: My Virtual StrongBox is only available to members who have signed up for Online Banking (learn how to sign up here.)
To begin, just login to your Online Banking account and look for the link at the top of the page.
A: All passwords must follow the following guidelines:
- Password length must be a minimum of 8 characters
- Contain 1 uppercase letter
- Contain 1 non-alpha numeric character
In addition, APCO My Virtual StrongBox users will be prompted to reset their password every 90 days.
As an added security feature, users will experience a lockout period of five minutes after three invalid login attempts. Users who experience a lockout should close their browser and start a new browser session before reattempting to login.
APCO My Virtual StrongBox users can reset their password by clicking the “Forgot Password” link on the login page. The “Forgot Password” link will generate an email to the email address that is in the user’s profile.