General FAQs

Q: Who is eligible to join APCO Employees Credit Union?

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.

Q: How do I join APCO Employees Credit Union?

A: Opening your Share (Savings) Account with a minimum opening deposit of at least $5 is your first step to becoming a Member of the APCO Employees Credit Union family and enjoying all the benefits membership offers.

Joining APCO has never been easier! You can join online or download an application and stop by your local branch.

Click here to learn more about becoming an APCO Member.

Q: Are my funds insured at APCO Employees Credit Union?

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.

Q: Once I become a member, can family members join, too?

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.

Q: How do I make deposits into my accounts?

A: You can make deposits in person, by using Mobile Deposit in your Credit Union’s Mobile App, 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.

Q: Do deposits post the same day they are made?

A: Yes, all deposits are effective immediately unless the teller informs you of a hold placed on the check.

Q: What are Direct Deposit and Payroll Deduction?

A: Direct Deposit is a service provided by your employer that enables you to have all or a portion of your net paycheck automatically deposited every payday into your checking or savings account. Payroll deduction is a service that allows you to allocate part of your paycheck to be automatically credited to an account or loan that you are the primary signer on. Payroll deduction is at the discretion of your employer and is directed by your Social Security Number. 

Q: How do I sign up for Direct Deposit or Payroll Deduction?

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.

Q: What is APCO Employees Credit Union’s routing number?

A: Our routing number is 262087609

Q: What is the difference between my balance and my available balance?

A: All of our members maintain $5 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.

Q: How long must I be a member before I can apply for a loan?

A: You are welcome to apply for a loan at any time.

Q: Do you offer Mortgage Loans?

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.

Q: Do you offer Online Banking and Bill Pay?

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.

Q: How do I sign up for Online Banking and Bill Pay?

A: Register for online banking by clicking on the Register link at the top of the page. Once you are enrolled, you can set up your Bill Pay from there.

Q: Do you offer Overdraft Protection and Overdraft Privilege?

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.

Q: What is the Difference between Overdraft Protection and Overdraft Privilege?

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.

Q: How do I Opt-In to Overdraft Privilege?

1. Click Here for the Overdraft Privilege Opt-In Form

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.

Q: What is the Automated Teller System?

A: With the Automated Teller System you can perform transactions on your Credit Union accounts from any telephone – all at your convenience 24 hours a day, seven days a week. Plus, it’s free– there’s no cost to sign up for the Automated Teller System and no charge to use it.

Q: What is the Holiday Schedule?

The 2024 Holiday Closing Schedule is as follows:

  • New Years (January 1)
  • M.L. King, Jr. Birthday
  • Memorial Day
  • Independence Day
  • Labor Day
  • Veteran’s Day
  • Thanksgiving Holidays (Thanksgiving Day and day after Thanksgiving)
  • Christmas Holidays (December 24 & 25)

Q: How do I change my address?

A: Simply fill out and sign the address change form here and mail it to our Main Office.

Q: What internet browsers are supported?

A: Web browsers such as Edge, Chrome, Safari, or Firefox will provide the best experience browsing out website or utilizing our Online Banking platform.

Online Banking FAQs

Q: I would like to access my APCO account online. How do I get signed up?

A: Click “Register” at the top of this page and follow the instructions for setup. 

To learn more about our Digital Banking platform, which includes Online Banking and our Mobile Banking App, click here.

For a step-by-step guide to enrolling in Digital Banking, review our guide.


Q: Does my password ever expire?

A:  No, your password will never expire.  If you have any questions or need assistance, please contact us Monday-Friday during regular business hours at 205-226-6800.

Q: I forgot my PASSWORD! What do I do?

A: Click on “Forgot Password?” at the top of this page or contact Member Services during regular business hours Monday-Friday at 205-226-6800.

Q: What is the security feature?

A: Multi-factor Authentication (MFA) is an authentication method that requires the user to provide two or more verification factors to gain access to a resource such as an application, online account, or a VPN. MFA is a core component of a strong identity and access management (IAM) policy.

Q: Can I pay my bills online?

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.

Q: How far back can I go on my History?

A: You will have access to the past 7 months of account history.

Q: How can I display a full screen of transactions when viewing my accounts online?

A: Click on the “Click Here to print this page” button.  This will open a new window and display your transactions.

Q: Why can’t I see all my accounts and/or loan history and balances?

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.

Q: Can I access all of my accounts from just ONE UserID?

A: Yes, by using QuickLogin on the Account Summary page of Online Banking. 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. Follow the simple instructions and you’re done.

Q: Why can’t I view my most recent check images?

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 FAQs

Q: Who can I pay with Online Bill Pay?

A: You can pay almost anyone in the United States: national bank card companies, mortgage or auto loan companies, department stores, your landscaper or the babysitter.

However, individual or businesses outside the United States and its territories are not eligible for Bill Pay services. Tax payments and court-ordered payments can be made with Bill Pay, but they are not covered by the CheckFree Guarantee.

Q: How do I add and pay a bill?

A: Have your paper bill handy and sign into your Online Banking Account and navigate to the Payment Center. Then, find a biller. Click on the Add Company or Person button. Search for your biller. If you don’t find your biller, you’ll need to enter their information. Enter the Account Number from your bill then fill in the address you’d mail your payment to. Next, give it a nickname that helps you identify the bill. Finally, schedule a payment. Select a payee, enter the payment amount, select the date you want the payee to receive the payment and click Send Money.

Q: What are the different payment types?

A: The payment type is determined automatically by our system. One of the main factors is the way companies prefer to get paid. If a payment can be issued electronically, we attempt to do so because it is the most efficient method.

Payment types include:
Electronic: Payment is sent electronically prior to the Deliver By date. The funds for payment are deducted from your account on the Deliver By date.

Corporate Check: This is a check drawn on our account and is mailed to your company or individual a few days before the Deliver By date. The funds to cover the payment are deducted from your account on the Deliver By date.

Laser Draft Check: This is a check drawn on your account and mailed to your company or individual a few days before the Deliver By date. The funds for the payment are deducted from your account when the check is cashed, just as if you wrote the check yourself.

You can see how your payment was sent by clicking on the “Activity” link. Under Recent Payments select the payment link to see method of disbursement. You can also contact Online Bill Pay Support at 844-596-1615 and we can provide the payment information to you.

Q: How long does it take for a company I am paying to receive payment?

A: If your payee accepts electronic payments, in most cases the payment is made the next business day. If the payee only accepts checks, your payment will be sent out 3-5 days prior to your selected deliver date. This is the typical time it takes for the payee to receive the payment. When you enter an amount, Bill Pay automatically displays the earliest date you can select for the payee to receive the payment. You can either accept this date or change it to a later one.

Some companies may offer an expedited service for payments that need to be received as soon as possible. For these payments, the calendar will allow an earlier date to be selected and add a small fee to the bill amount. If you see this fee and did not mean to make an expedited payment, choose a later payment date.

Q: Do you guarantee my bill will be paid on time?

A: Thanks to the CheckFree Guarantee, you can be assured that your payments are safe and will be done on time. You are covered for any payment-related charges (up to $50), as long as you scheduled the payment according to the service’s terms and conditions. This means that the payment must be scheduled with a delivery date on or before the actual due date (excluding grace periods), with the correct address and account number

Payments made for taxes, court orders, or as part of an investment are not covered by the CheckFree Guarantee.

Q: Will I be able to see my payment history?

A: Yes, your payment history is available to view for up to 2 years. You can locate your history by selecting the “Activity” tab in the Payment Center.

Q: How will I know if a payment is made electronically or by check?

A: We attempt to make all payments electronically, but some payees require paper checks. On the right side of the Payment Center screen, in pending Payments or Recent Payments, you can click on the amount to see the method of payment.

Q: How will I know if my bill was paid through Online Bill Pay?

A: To see if payments have been paid, select the “Activity” tab. You can also view the bill details by clicking on a payee in the Payment Center which will let you know the type of payment sent and if the payment has been received. If you need assistance, call Online Bill Pay Support at 844-596-1615.

Q: Can I be notified about a scheduled payment?

A: You can set up “Reminders” on billers and have the option to receive email notifications when a bill is due, if a bill has not been paid by the due date, and when a payment has been sent.

Q: How is canceling an automatic payment (recurring payment) different than just canceling a payment?

A: To cancel automatic payments, also referred to as recurring payments, sign into the Payment Center, select the payee, click on the “AutoPay” link and select “Stop AutoPay.”

To cancel a payment, sign into the Payment Center. On the right side of the screen you will see Pending Payments, choose a payee, and click on the “Cancel” link. If the cancel link is not showing in the pending payment, the payment may already be in process. Call Online Bill Pay Support at 844-596-1615 for assistance.

Q: How do I set up reminders?

A: Click the “Reminders” button for the payee you want to set up reminders for and click “Set Up Reminders”. Answer all the questions and choose all the options that fit your needs.

Q: Can I customize my reminders?

A: Yes, you can choose how many days before the due date you want to receive them, when the bill is received, how much is due, and which e-mail reminders you want (when payment is due, when payment starts processing, and if payment is not paid by the due date).

Q: How do I stop getting reminders?

A: Click on the “Reminders” button for the payee you want to stop getting reminders for. At the bottom of the new box that appears, choose “Stop Reminders”. You can also change reminders on this page.

Q: How do I find my payment history?

A: You can view payment history through the “Activity” tab from the Payment Center, or by clicking on the “Activity” link of a company or individual.

*Your payment history will be available going forward from June 15, 2016. If you have questions regarding transactions made before this date, please reference your monthly statement.

Q: Can I get a copy of a payment I made through Online Bill Pay?

A: This varies by the type of disbursement. Check images are available online when you view your checking or savings account details. If you cannot locate payment information, please call Online Bill Pay Support at 844-596-1615, and we’ll provide you with a check copy or proof of payment for electronic payments. If a payee is stating that they have not received your payment, contact us and we will handle it for you!

Q: Can I be notified about a scheduled payment once it is paid?

A: You can set up “Reminders” and have the option to receive email notifications when a bill is due, if a bill has not been paid by the due date, and when a payment has been sent. Click here for a step-by-step process on how to set up reminders.

  • Sign into your Online Banking Account
  • Navigate to the Payment Center
  • Select the bill you want to set up
  • Select the Reminders link
  • Enter a typical due date and amount for the bill
  • Choose how often you receive the bill
  • Enter when you want to be reminded
  • Enter your email address
  • Choose when to be notified
  • Click on Send Reminders
  • Scheduling Payments

Q: Can I schedule a bill to be paid on a weekend or holiday?

A: No. In Online Bill Pay, only business days will show as available pay dates. If you have an automatic payment that falls on a weekend or federal holiday that payment will automatically be adjusted to the closest business day. For example, if your automatic payment is scheduled for Saturday, it will automatically be rescheduled for the Friday before.

How many days in advance do I have to set up a payment before the day I want my bill paid?
You will need to schedule your payment at least 1 business day before the payment due date for electronic payments and at least 3 business days prior to the payment due date for paper check payments. The Bill Pay system will automatically tell you the earliest delivery date that your payment can be received. You can select any valid payment date between the earliest day, and up to 365 days in the future.

Q: Can I stop, cancel or edit a payment?

A: To stop a payment before you deliver by date, sign into your Online Bill Pay account, go to the Payment Center. On the right hand side under Pending Payments, click on the “Change” link for the payment you’d like to change to edit.

If you’d like to stop your payment after the delivery date please call Online Bill Pay Support at 844-596-1615 with your payment details. An agent will advise if it is possible to stop or cancel your payment and if a fee applies for the stop payment request.

Q: How do I change an automatic payment?

A: From the Payment Center, locate the Company or Person for whom you want to create a change, click on the “AutoPay” link and select “Change AutoPay Options.” You may also click on “Stop AutoPay” to cancel the automatic payment.

Q: How do I delete a bill?

A: Deleting a bill is simple. Sign into your Online Bill Pay, navigate to Bill Pay and go to the Payment Center. Select the Company or Person and click on the “Details” link. Select the “Remove” option and save.

Q: What are eBills and how do they work?

A: eBills are electronic versions of your paper bills (Where available) delivered directly to your Online Bill Pay account. You will no longer have to wait to receive your bills in the mail or sign into a company’s site.

With most companies, you can choose to receive electronic bills or paper bills. If you want to receive both, you will need to request this directly from the company. Another option is to print your bills from you Online Bill Pay account.

Q: What is the difference between an eBill automatic payment and recurring payment?

A: If you are receiving an electronic version of your paper statement in your Online Bill Pay account, you can set up an eBill initiated automatic payment. This means Online Bill Pay will automatically pay your electronic bill when it is delivered. Remember, any changes made to an eBill automatic payment will take effect on the next eBill received.

  • Sign into your Online Banking Account
  • Navigate to the Payment Center
  • From the Send Money tab, select the bill you want to set up
  • Click on AutoPay
  • Then click on Set Up AutoPay
  • Choose Pay From account
  • Enter payment amount
  • Select first payment date
  • Choose the frequency and stop dates
  • Enter your email address for your reminders
  • Click Start Sending Payments

Q: How do I request an eBill?

A: Billers offering eBills will appear in the Payment Center with a “Get Bill” icon to the left hand side of the Biller name. Click on that icon, and it will ask you to answer a few simple questions, and your request will be sent.

Q: How do I file an eBill?

A: If you pay an eBill through any payment channel outside of the eBill option, you will need to file the current eBill so that the status will read Paid.

To file an eBill:

  • Access your Online Bill Pay account
  • Click the Activity tab from the top menu bar
  • Locate the payment that shows the status as Unpaid
  • Click on the View Details under the “Action” Sections
  • Click File Bill
  • Select how the payment was made, and then click “File Bill”
  • Click “Save Changes”

Q: How do I review an eBill?

A: You can review by going to Payment Center and click on the “Activity” link associated with the company.

Q: How do I view and pay my eBill?

A: A company offering eBills will appear in the Payment Center with a “Get Bill” icon to the left hand side of the company name. To pay an eBill, click on the icon and follow the on screen instructions to view/pay your eBill.

Q: How do I set up an automatic payment for my eBill?

A: Once you start receiving your eBill, you can set up automatic payments. Automatic payments are scheduled once the eBill is received, but you maintain the control to change the payment any time until the payment is sent.

To set up an automatic payment, go to the Payment Center, select the payee, and choose “AutoPay.” Once your automatic payment is set up, an AutoPay and eBill icon will both appear next to the company. You can set it and forget it.

Bill Pay Member Service can be reached at 844-596-1615 between the hours of 6:00 AM – 12:00 AM CT, 7 days a week.

Q: How do I cancel an eBill?

A: To cancel and eBill, select the company from the list, and choose the option to cancel electronic version of this bill. The eBill will be immediately canceled an your biller will be notified.

Debit Card FAQs

Q: What is the difference between a credit card and a debit card?

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.

Q: How does the APCOCU debit card work?

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.

Q: How can I use my Debit Card at an ATM?

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. As an APCO Member, you’re provided access to your accounts through the CO-OP Shared Network. That means you have access to more than 30,000 surcharge-free ATMs throughout the country. Find a nearby ATM through to Co-Op Network here.

Q: How much cash can I withdraw at an ATM?

A: You can withdraw up to $1000 per day, provided funds are available in your account.

Q: At which ATMs can I use my card?

A: Your debit card will work at all ATMs. As an APCO Member, you’re provided access to your accounts through the CO-OP Shared Network. That means you have access to more than 30,000 surcharge-free ATMs throughout the country. Search for CO-OP ATMs near you by clicking here


Q: Are there any fees when I use my card for ATM transactions?

A: There are no fees when you use your cards at APCO ATMS or at CO-OP ATMs. However, when you use your cards at ATMs that are not CO-OP, there may be a fee. You may transact six non-network ATM withdrawals, per month. After six, there is a 0.75 charge for each withdrawal.  

Q: How do I keep track of my debit card purchases?

A: You can keep track a few ways:

  • Check your transactions in our Digital Banking platform, which include both Online Banking and our Mobile Banking App.
  • 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 available for viewing in our Digital Banking Platform.

Q: What does it mean when I use my debit card and the clerk asks “debit or credit?”

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 your Personal Identification Number (PIN) after the card has been swiped though a point of sale terminal. With PIN transactions, funds are withdrawn from your 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.

Q: Is there a fee to use my debit card for purchases?

A: There is no fee to use your debit card for purchases.

Q: Does my debit card have spending and/or cash advance limits?

A: Yes. There is a limit of $5000 per day on purchases and $1000 per day on cash advances.

Q: Does Overdraft Protection on my Checking Account work with purchases I make with my debit card?

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.

Q: What if my debit card is lost or stolen?

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.

Q: What if a transaction posts to my Checking Account that I did not authorize?

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.

Mobile Deposit FAQs

Q: What phones and devices are compatible with APCOCU Mobile Deposit?

A: The iPhone, iPad, Android phones and Android Tablets are all compatible.

Q: What types of checks cannot be deposited using Mobile Deposit?

  • Any item that is stamped with a “non-negotiable” watermark
  • Any item that contains evidence of alteration to the information on the check
  • Any items issued by a financial institution in a foreign country
  • Any item that is incomplete
  • Any item that is “stale-dated” or “post-dated”
  • Savings Bonds
  • Any third party check, item made payable to someone other than yourself or other authorized signers on the account
  • Any item with a restrictive endorsement

Q: Are certain account types excluded from the service?

A: APCO Employees Credit Union Mobile Deposit is not designed for Business Accounts. Organization, Partnership and Corporation accounts are not eligible.

Q: Is there a deposit limit for Mobile Deposit?

A: At this time, the deposit limit is $5,000 per item and $6,000 per day.

Q: Should I endorse my check when using Mobile Deposit?

A: Yes! All checks must be endorsed with your signature and the statement, “For Mobile Deposit Only” before you take a picture of it.

Q: Will my Mobile Deposit still be subject to check holds?

A: Yes, these deposits will be subject to check holds, just as if they were made at a branch or ATM.

Q: When will my deposit be processed?

A: Typically, the deposit will be processed within one business day or sooner.

Q: What should I do with my original check once it’s deposited?

A: We recommend that you store your original check for 60 days and then destroy it to ensure it is not re-presented for payment.

Q: I keep getting an image quality error – what should I do?

A: There are several factors that may cause this error, such as insufficient lighting, the background, distance, or faint writing on the check. Please try again:

  • Make sure there is enough light to distinguish the check from the background.
  • Make sure the check is lined up with the horizontal and vertical guides provided on your device.
  • Ensure the image elements are clear and readable.

If you continue to encounter the error, you may always deposit the check at any Credit Union Service Center or APCO Employees Credit Union branch.