Frequently Asked Question's - Banking

Q. What is AOD Federal Credit Union’s Routing & Transit Number?
A. 262286170

Q. Are my deposits insured?
A. Yes. All savings accounts are insured up to at least $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government. AODFCU also provides an additional $250,000 of coverage to qualifying accounts through American Share Insurance, the nation’s largest private credit union deposit insurer. This insurance is provided free of charge to AODFCU members.

Q. Can I get information about my accounts by phone?
A. Yes. Account information is available through any Credit Union representative during business hours at any of our offices or you may access automated account information by using Voicelink or E-link along with your member number and password. Automated information is available 24 hours a day, 7 days a week. To speak to a Credit Union representative, please call (256) 237-9494 or (800) 637-0299.

Q. Can I do all of my banking with you?
A. Yes, absolutely! We’d love to have y our business! Thanks to the convenience of direct deposit and ATM’s, your standard, everyday banking activities can be performed on your own time, day or night. Contact us with questions about your banking needs.

Q. Can I look at all of my transaction at any time?
A. Yes. With access to our Internet Banking system, you have access to your account information 24 hours a day, 7 days a week.

Q. Does the credit union facilitate and process wire transfer requests?
A. Yes. We process both incoming and outgoing wire transfers. Fees do apply for use of this service.

Q. How do I make a deposit to my account from a remote location?
A. You can do most of your banking by using direct deposit, ATM’s or ACH (Automated Clearing House) transactions. We also offer bank-by-mail service, which allows you to mail non-recurring deposits and loan payments. AODFCU also participates in the Shared Branching network. There are service centers all over the United States that can handle simple transactions, such as a deposits or withdrawals, balance inquires and more. Contact us for more information.

Q. Who can join a credit union?
A. A credit union exists to serve a specific group of people, such as a group of employees or the members of a professional or religious group. This is called a “field of membership.” The field of membership may include where they live, where they work, or their membership in a social or economic group. If you are a company owner or manager and would like for your company to become a Select Employer Group, please complete a company letter/application and return it to the credit union.

Q. How do I set up direct deposit of my payroll check?
A. If your employer participates in a direct deposit program, simply provide your Human Resource Department or Payroll Department with your 13 digit AODFCU account number and AODFCU’s routing/transit number (referenced above). Your direct deposit will usually begin within thirty (30) days. If you are an employee of the Anniston Army Depot, you can sign a direct deposit form at the credit union instead of contacting your employer.

Q. How do I set up direct deposit of my Social Security benefits or check?
A. You can contact the Social Security Administration at (800) 772-1213 or online at www.ssa.gov/deposit. You will need to provide your Social Security Number, account information and AODFCU’s routing/transit number (referenced above). You can also visit any branch location and see a member service representative. We can fax a direct deposit sign up form to the local Social Security office.

Q. Are credit unions really no different than banks?
A. The defining characteristic of credit unions remains unchanged. Credit unions are not-for-profit cooperatives that serve defined fields of membership, generally have volunteer boards of directors and cannot issue capital stock. They are restricted in where they can invest their members’ deposits. The key difference between credit unions and banks is that a credit union’s shareholders are its members (and each member has one vote), while a bank is owned by its stockholders. A bank earns profits and distributes them to its stockholders; a credit union’s “earnings” are returned to its members in the form of lower fees, higher dividends, better rates, and more services.

Q. Why should I bank with AOD Federal Credit Union instead of another financial institution?
A. AODFCU offers free savings and checking accounts with no monthly service fees. Our checking accounts include free ATM access at all AODFCU ATM locations, no per check fee and no minimum balance. We even offer a free VISA check card. In addition, we do not charge for internet banking or online bill payment. Please give us a call for more information about the plethora of services we have to offer you!

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