Frequently Asked Questions

FAQ: Getting Started

How do I contact ACT 1st Federal Credit Union?
We have three branches to serve our members as well as our 24/7 online banking. Our main number is 301-729-8015. You can also contact us via text message at 301-729-8015.

What is your routing number?
Our ABA/Routing Number is 252176889.

Can I move my accounts from another institution?
We have a Switch Kit, which helps you switch your accounts from other financial institutions, transfer Bill Pay settings, and automatically switch direct deposits. If you need sent a Switch Kit please contact us at 301-729-8015.

How do I set up direct deposit?
Having your paycheck, Social Security, or annuity checks deposited automatically saves you time. With direct deposit, your funds will be available on a consistent and timely schedule, delivered securely to your checking or savings account. 
PAYCHECK DIRECT DEPOSIT: Start by filling out your employer’s Direct Deposit Form, or use our form (PDF) and return it to your employer’s payroll department.

How do I order checks?
Call us to place your first order 301-729-8015 or stop by any branch.

FAQ: Savings & Checking Accounts

Your ACT 1st FCU membership started with a minimum of $5 deposited into a savings account. From there, you can add additional accounts and services you may need. Please contact us if you need to set up other accounts.

Account options include:
– Savings/Share Account ($5 minimum deposit)
– Checking Account
– Youth Account (0 – 17)
-Special Savings (such as Christmas Savings Club)
-Shared Certificates (CDs)

How do I set up a youth savings account?

We offer Youth Savings Accounts for children age 0-17. With a $5 deposit, you can get them started on the road to savings! Youth accounts require a parent or guardian as a joint owner. To enroll your youth as a member, stop by any of our branches or call us at 301-729-8015 for assistance.

FAQ: Online and Digital Tools

I have questions about online banking / mobile app:

Please see our online banking guide.

Can I use Apple Pay / Samsung Pay / Google Pay?

Yes! You can add your ACT 1st FCU Debit Card to Apple Pay, Google Pay, or Samsung Pay to securely pay for purchases. Just save your card information to the digital wallet of your choice, and you’re ready to go!

FAQ: Loans

We offer Auto Loans, Personal Loans, Mortgage Loans, Home Equity Loans and Student Loans. We’re here to help! Loans are approved based on creditworthiness.

Auto and Personal Loans feature no application fees

GAP, Debt Protection, MSR and more is available

Apply Online

How do I apply for a loan?

You can apply through our online banking portal, via our mobile app, by calling us at 301-729-8015, by texting APPLY to 301-882-8269. You can apply here.

How do I make a loan payment?

You can set up automatic payments or transfer funds between accounts to make loan payments via online banking or our mobile app. For help, please call us at 301-729-8015.

How do I apply for a Credit Card?

You can apply online, via phone, or in person. Click here to apply.

Android Users: An app update is rolling out in the Google Play Store. Please update your app to the newest version to correct the app crashing issue.