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Courtesy Pay
ASFCU Extends "Courtesy" to Members
Courtesy Pay is a service that allows ASFCU to pay on a check presented against your checking account even if it causes the account to become overdrawn. Courtesy Pay may allow account holders in good standing to overdraw their checking account up to $500. The Courtesy Pay limit includes any overdraft fees assessed.
If the account has been opened at least 90 days and maintained in good standing, we may, at our discretion, pay overdrafts created by checks or ACH transactions up to the limits mentioned above, including Courtesy Pay charge(s). Whether we pay or return an item, your account will be assessed a fee, either as a Courtesy Pay charge or a Non-Sufficient Funds charge. You will not be charged both fees. With the Courtesy Pay option, you avoid both the embarrassment of a returned item and any fees assessed by the merchant. Our current charge per check is $30, which may be changed with prior notice to you.
The following transactions are NOT covered - Teller transactions (including Service Centers), Home Banking, Internal wires, ATM withdrawals, POS transactions, and Debit card transactions.
This non-contractual courtesy of paying overdrafts requires no account holder action. If your account is set up to overdraft from savings, money market, or from an overdraft loan, the Courtesy Pay will not activate unless these accounts are either exhausted or the number of transactions has exceeded the regulation limits. No additional agreements need to be signed, and it costs nothing unless the privilege is used - by your writing checks for more than is on deposit in the account. Although you are not charged for using Courtesy Pay unless you have an overdraft, you may opt-out of Courtesy Pay at any time. If you do not want us to pay your overdrafts you must tell us ("opt-out").
Courtesy Pay allows Aurora Schools Federal Credit Union to provide a higher level of service to our members by helping you to protect your account and reputation when an inadvertent overdraft occurs.
For more information, please read our Courtesy Pay Policy (effective September 1, 2008).
Beginning July 1, 2010 you will be required to Opt-in for Courtesy Pay protection on your account. Please read our Courtesy Pay Policy (effective July 1, 2010).
If you have further questions, do not hesitate to call us at 303-360-0987 or 1-877-208-2979.
Direct Deposit
Your credit union will transfer funds to and accept transfers from any financial source through electronic funds transfer. Direct Deposit is safe, easy and convenient! Call the credit union today to find out how you can sign up for Direct Deposit of your payroll or government check.
Payroll Deduction
You can deposit all, or a portion of, your paycheck directly to your credit union accounts as a convenient way to accumulate savings or make loan payments.
Wire Transfers
We offer both local and international wire transfers at competitive rates. Call or email a member services representative for details.
Wire Instructions:
Please send funds to:
SunCorp
ABA: 307087399
Arvada CO
Further Credit:
Aurora Schools Federal Credit Union
ABA: 307074467
Aurora CO
Beneficiary: Your Name and Account Number
Notary Service
For your convenience we have several credit union employees available to notarize documents for members during business hours.
Scholarships
This year Aurora Schools Federal Credit Union awarded four $1000 scholarships to one graduate from each of the four major APS high schools for students heading for college in the fall. Awards are based on a combination of scholastic achievement, extra curricular activities and an essay. We also offer one $500 scholarship to one graduate from William Smith High School, and one $500 scholarship to one student at Pickens Technical College.
In 2009 our winners are:
Cameron White of Gateway High School - $1,000 Scholarship
Ervin VonSeggern of Rangeview High School - $1,000 Scholarship
Yesena Acevedo of Aurora Central High School - $1,000 Scholarship
Kimbrella Dotson of Hinkley High School - $1,000 Scholarship
Ashley Wendt of William Smith High School - $500 Scholarship
Sierra Morales of Pickens Technical College - $500 Scholarship
Congratulations winners!
Applications for the 2010-2011 school year will be available in January 2010.
Financial Planning
Financial planning is now offered to Aurora Schools Federal Credit Union members through Linsco/Private Ledger in the Investment Planning Center. Steve Van Sky is available to meet with you at the credit union to discuss your personal goals and help you plan for a secure financial future. Call Steve for a free, no obligation personal consultation.
- Click Here to email Steve for more information***
- Call 303-226-8584 ***
***Products offered through Linsco/Private Ledger are not federally insured, are not obligations of the credit union, and are not guaranteed by the credit union or any affiliated entity. Products offered involve investment risks, including the possible loss of principal.
Horace Mann Insurance
Horace Mann Insurance Company is now offering many discounts to credit union members to cover all your insurance needs. Call or send an email to Dennis Markman to receive a free quote for auto, life, homeowners, renter insurance, and long term care.
- Click here to email Dennis for more information
- Call 303-773-2172
Shared Branching
Aurora Schools Federal Credit Union participates in shared branching to offer you, our members, the most convenient access to your CU accounts. With locations around the country, you can now do basic teller transactions at over 2900 locations. Just look for the swirl!
Transactions allowed at CU Service Centers include:
- Deposits
- Withdraw funds
- Transfer funds between accounts
- Balance inquiries
- Process loan payments and advances
- Purchase traveler’s checks, official checks, and money orders at select locations (availability/fees vary)
Frequently Asked Questions about Shared Branching
What is shared branching and what is a CU Service Center?
A CU Service Center is a credit union location that is part of a national network of linked or shared branches, which are identified by a common swirl logo. Members of participating credit unions may conduct transactions at any of the shared facilities as though they were at their home credit union.
How does the shared branching network benefit me?
Members benefit from access to many branch offices throughout the United States. This means our members who travel or move out-of-state can now remain members of the credit union and still have a friendly branch office just down the street.
Who can use this service?
Credit union members may conduct business at any participating shared facility. Some restrictions may apply. Contact us before conducting your first shared branching transaction to be sure you’re set up to use this service.
Note: For security reasons there are limitations to the amount of cash that members may withdraw daily.
Funds Availability Policy: Availability of funds deposited to your account will depend on your credit union’s policy. Funds may not be immediately available.
Where do I go inside the branch to process my transaction?
In most locations, all tellers’ process shared branching transactions. However, some shared branches may have special tellers designated to handle shared branching business. You will just need to look for the swirl in the teller windows. When in doubt, please check with a member service representative on your first visit. Guest members will receive courteous and friendly attention at all shared branching locations.
Do I have to show identification to process my transaction?
Identification is necessary for each transaction to eliminate the possibility of fraud. We ask that members be prepared to present their photo ID on each visit, even if they have been coming to a common location for an extended period of time.
Do I need to know my account number?
YES. Members must present their account number and home credit union name to the teller for each transaction. Shared branches do not have access to inquiry screens from the member’s home credit union. This means that tellers at shared branches are not able to look up a member’s account number by doing a social security search.
Will fees be charged for this service?
Some fees and limitations may apply. Please call the credit union or visit the CU Service Centers website for more information before conducting your first shared branching transaction. Any fees for conducting a shared branching transaction will be assessed by your home credit union. However, a shared branch location may assess fees for services like traveler’s checks, money orders, cashier’s checks, stop payments, and notary service.
Can I use an ATM at a shared branch free-of-charge?
An ATM located or associated with a shared branch is subject to the fees and rules that govern that machine and its operation. However, free ATM transactions are still available at all CO-OP Network locations.
How will my privacy be protected when I use a shared branch?
A member’s right to privacy as enacted by federal regulations will be upheld to the fullest extent of the law. Members are encouraged to direct specific questions to their home credit union.
Where do I go for shared branching?
To take advantage of shared branching you must go to a branch designated as a CU Service Center by the swirl logo. Not all credit unions participate in shared branching.
Click here for a directory of Colorado & Nationwide Locations
Who should I contact if I have additional questions?
Members should direct questions regarding transactions, products and/or services to their home credit union. Shared branches will not have access to all the account information available at the home credit union.
The use of a shared branch does not entitle the individual to become a member of the processing shared branch. All requests for additional products and services should be handled by the member’s home credit union.
