At ACT 1st Federal Credit Union, we are doing our part to slow the spread of the coronavirus by closing our lobbies, effective November 20, 2020, at 5:00 pm, until further notice. Our office located at 204 South Lee Street, Cumberland, MD, will remain closed.  We will continue to serve our members through the drive-thru lanes (regular drive-thru hours will be in effect), ATMs, and through our various online services, including Web Banking and our Mobile App allowing you to deposit your checks remotely.

Please note that if you need to come into the lobby, you may contact a representative via telephone at 301-729-8015 or via email at,, or to schedule an appointment.

The health and safety of the credit union team, our members, and our communities is our highest priority.  As we recognize the situation is evolving daily, we are committed to continuing an open channel of communication with our members as new information becomes available.  Thank you for your understanding as we work through these unprecedented circumstances together. On behalf of the Board of Directors, Volunteers and our Credit Union team, we thank you for your continual support and membership as we remain committed to the credit union movement; People Helping People”.

ATTENTION: MoneyPak offers important advice on reporting fraud, preventing fraud and spotting scams. View advice (new window).

ATTENTION: Many scams materialize when catastrophe occurs. Recent violence and natural disaster have increased opportunity for scammers to scam. Stay up to date with Federal Trade Commission scam alerts! View FTC scam alerts (new window).

ATTENTION: Beware of fake online payday lenders that ask you to enroll in online or mobile banking and then request your login credentials. Also, beware of fake lenders that ask you to send money.

ATTENTION: If you receive a phone message stating that your debit card has been shut down and are later prompted to enter your 16-digit card number, please DO NOT comply.

ATTENTION: View useful information offered by NCUA (new window) about preventing or reporting identity theft that may be perpetrated using fake contacts that appear to be IRS requests for taxpayer information.

ATTENTION: Under normal circumstances, collection calls come directly from an ACT 1st FCU employee or a SWBC representative.

ATTENTION: For your protection, all international debit card transactions are blocked. If you plan to travel outside the US, we can temporarily exempt your debit card from the rule. Thank you.

ATTENTION: If you are making purchases at grocery stores or gas stations in the states of California, Nevada or Indiana, you will be required to use your PIN NUMBER. If you have any questions or concerns, please contact a credit union representative at 301-729-8015. Thank you!!

ATTENTION: Beware of criminals claiming to be representatives of the U.S. Treasury and Internal Revenue Service. Read more (new window).

ATTENTION: Under normal circumstances, Microsoft does not return telephone calls. Be very cautious when releasing account information to a company claiming to be an affiliate of Microsoft.