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. 

ACT 1st FCU ROUTING NUMBER: 252176889
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)
-IRA’s

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: Debit Cards and UChoose Rewards

UChoose Rewards is a rewards program where you earn points for shopping and using your ACT 1st Federal Credit Union debit card. Then redeem your points for anything of your choice from a huge online rewards catalog.

How do I earn points?

∙ You earn 1 point for every $2 spent on Signature Debit Card Transactions.
∙ You earn 1 point for every $4 spent on PIN Transactions.

Where can I earn points?

You earn points everywhere your card is accepted.

When can I redeem my points?

It can take up to 40 days for your points to be credited to your account. You must accumulate 1,500 points before you can redeem your points. After that, you can redeem for any number of amazing items. Simply look for your “Total Points” at the top of any page to see how many points you have available for redemption.

Can I share points with family members?

Yes, all cards within an account automatically earn points together. In addition, if you have multiple credit accounts with ACT 1st Federal Credit Union you can link them together to earn rewards faster. Visit the Profile page to link more accounts to your program.

What can I redeem my points for?

The power is in your hands! You have a wide array of choices at your disposal, ranging from products, travel experiences, activities, event tickets, or more! All you need to do is visit the Redeem Points page and select the category that aligns with your interests. We meticulously keep track of every point you earn, ensuring that we can assist you in finding exactly what you desire when the time comes to redeem them.

Where can I view my point activity?

You can access the history of your point activity on the Point Details page.

What if I shopped at a participating retailer, but my points aren’t showing up?

It can take up to 30 days for transactions to appear on the Point Details page. If points from a qualified transaction do not appear after 30 days, contact us for assistance.

How much does it cost to participate?

There’s no cost! Membership in UChoose Rewards is absolutely free for ACT 1st Federal Credit Union cardholders, so start shopping and earning today!

What if I have another question?

If you have other questions not answered here, you can contact your UChoose Specialist at 855-559-6528 or at service@uchooserewards.com.

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.

All ACT 1st FCU offices will be closed Thursday and Friday, November 28th AND 29th for Thanksgiving. We will reopen on Saturday, November 30th. Access your account with our online banking! Learn more