Account Services

Direct Deposit

Direct Deposit lets you authorize your employer or federal agency, like the Social Security Administration, to deposit your check directly into your AFCU account.

With Direct Deposit you can access your funds without visiting one of our branches. You can arrange with the credit union to have your funds distributed into your accounts as you wish.

Your payroll is immediately available. You can quickly transfer funds, keep track of checks processed and check your balances through the 24-hour phone Access Line.

Direct Deposit eliminates:

• The risk of stolen or misplaced checks;
• Delayed deposits. Your funds are deposited regularly and on time. You get paid even if you’re not at work on a payday or can’t make it to AFCU during business hours;
• Losing potential dividends. With direct deposit you earn dividends on funds as soon as possible; and
• Forfeiting lunch hours.

Stop at your payroll office to set up direct deposit to AFCU and take advantage of the convenience and security.

Advantage’s Routing and Transit Number/ABA Number: 222382292

Overdraft Protection

If a transaction exceeds the available funds in your checking account, we will take the following actions to ensure your payments and purchases are successful:

Overdraft Line of Credit

If you do not have enough available funds in your Checking Account when a transaction occurs, Advantage will take the funds from your Overdraft Line of Credit to cover the transaction. Instead of being charged a service fee for each transaction, you are only paying a minimal amount of interest. You must apply and be approved for an Overdraft Line of Credit.

Savings Transfer

When a transaction occurs and you do not have available funds in your Checking Account or have an Overdraft Line of Credit, Advantage will transfer the funds from your Savings Account to cover the transaction.

There is a $7.00 per transfer service charge and you must have money in savings in order for the transfer to occur.

*Fee amount subject to change.

Shared Branching

Can’t get to an Advantage branch?

We have you covered with 27 branches locally and over 5,600 shared branches nationwide!

Visiting a shared branch is easy!

What you can do:

• Make deposits / withdrawals
• Transfer funds between accounts
• Make loan payments

What you will need:

• Our name: Advantage Federal Credit Union
• Your account number
• A valid government-issued photo I.D., such as a U.S. Passport or State Driver’s License

Participating Local Credit Unions include:

• Advantage FCU*
• Family First FCU
• Reliant Community FCU
• St Pius FCU
• The Summit FCU
• Visions FCU
• Kinecta

*Please note: Our RIT, URMC, and RRH branches DO NOT offer Shared Branching services.

To find a shared branch near you, please use the map tool at the top of this page or look for the CO-OP Shared Branching sign in the window of participating credit unions.

Click here for locations and more information.

Phone Banking

When you’re away from your computer and Online Banking isn’t available, you can still access your accounts with telephone access.

Although Online Banking provides the greatest flexibility in managing your finances, Telephone Access provides convenient 24-hour availability to your account information at Advantage FCU.

Through Access Line you can:

• Transfer to another account number in your name (call your Telephone Service Representatives to set this up; they will link your accounts for you)
• Determine if checks have already cleared and withdrawals and deposits made
• Make loan payments (through transfer option)
• Stop payment on a check

How to Access

A personal identification number (PIN) is required to access your accounts.

To reach Access Line, use a touch-tone phone, dial (585) 454-5900 (ext. 2), or toll-free, (888) 454-AFCU (ext. 2).

It’s Safe

Telephone Access Line has numerous security features so that you can be assured your accounts are safe and secure.

• The computer issues your PIN. You are the only person who knows what that number is so be sure to keep it in a safe, convenient place. If you lose or forget your personal identification number, it can be reissued.
• To access your account you must use both your member number and your PIN. You may customize your PIN by pressing 5 at the main menu.
• All withdrawals are issued by check, must be made payable only to the owner of the account, and must be mailed only to the address on file. Any change of address must be requested by a signed authorization by the owner of the account.

A Few Tips

Skip Ahead — With telephone Access Line you can skip past the opening message by pressing 1. Just enter your account number and you’re ready to conduct business.

Go Back — Anytime you want to return to the previous menu, press*.