Questions? We Have Answers
Do you want to know more about membership, or a product or service? Please select from the categories below to find answers to many commonly asked questions.
Today, there is a growing need for speed and convenience that is generally not available with traditional payment services. Instant payments allow consumers and businesses to send and receive funds from their accounts at credit unions in real time, any time of day, any day of the year, with immediate funds available to receiver. Currently, your APCI FCU account can only accept payments.
The FedNow Service is a new service for instant payments built by the Federal Reserve to help make everyday payments fast and convenient for American households and businesses. Credit unions of all sizes can sign up for the FedNow Service and offer new instant payment services to their members.
We offer easy ways for you to apply.
- Apply Online
- Current APCI eBanking users, log in to APCI eBanking > Apply for a Loan
- Non-APCI eBanking users, visit our APCI eLoan Online Applications Center > Apply for a Loan
- Make loan payments from other financial institutions through Loan ePay
To activate your card and set up a PIN, please call 800-631-3197 or 1-727-540-9434 when outside the US. Be prepared with the primary cardholder's date of birth (mm/yy), zip code, and 3-digit security code (same for each cardholder) from the back signature panel of the card. We encourage you to change the PIN to something easy to remember but difficult for others to identify.
Yes, all cardholders can select their own PIN. The primary cardholder's information is used to authenticate the caller. You will identify which cardholder you are by entering your first name into the telephone keypad. You will then be prompted to select your unique PIN. If you do not know the primary cardholder's date of birth (mm/yy), zip code or 3-digit security code (same for each cardholder), the system will be unable to authenticate the caller and will not transfer you to a representative due to security reasons. You will need to call back once you have the required information in hand.
ATM Card cash withdrawal limit is $600 per day. Point of sale limit is $300 per day. Visa Debit Card cash withdrawal limit is $1,000 per day. Point of sale limit is $2,000 per day.
The Credit Union offers several ways to transfer funds. One option is to sign up for APCI ePay, our online bill paying service, to initiate payments to other financial institutions. You can also log in to APCI eBanking and initiate a Domestic Wire Transfer.
To activate your card and set up a PIN, please call 800-631-3197 or 1-727-540-9434 when outside the US. Be prepared with the primary cardholder's date of birth (mm/yy), zip code, and 3-digit security code (same for each cardholder) from the back signature panel of the card. We encourage you to change the PIN to something easy to remember but difficult for others to identify.
If your deposit item is declined, you should call our Member Services Representatives during normal business hours at 800-821-5104. Reasons that deposit items may be declined include ineligible or non-negotiable checks, missing signature or missing endorsement, a stale or post-dated check, poor image quality, daily or monthly deposit dollar amount exceeded, or an unacceptable item.
Our ABA Routing Number is 231379034.
- APCI eLearning
- ATM/Visa® Debit Card
- Certificates
- Digital Banking - APCI eBanking
- Electronic Notifications - APCI eAlerts
- Electronic Statements - APCI eStatements
- FedNow® FAQs
- IRA
- Loan - General
- Loan - Purchase/First Mortgage
- Loan - Real Estate
- Loan - Vehicle FAQs
- Loans - Student Loans
- Mastercard®
- Member Service
- Membership
- Mobile Banking - APCI eBanking App
- Mobile Check Deposit - APCI eDeposit
- Money Market
- Online Applications Center
- Online Bill Pay Service - APCI ePay
- Referral Program - APCI eReferral
- Savings & Checking
- Telephone Banking Service - APCI eTalk