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Banking FAQs

Q: Are my deposit accounts insured?
A: Deposits are federally insured up to $250,000 by the National Credit Union Administration, a government agency. The NCUA's insurance fund is the healthiest of all federal deposit insurance funds.
Q: What is Allegacy's routing number?
A: Our Routing Number is 253177887.
Q: How do I set up Direct Deposit of my payroll check?
A: After your checking application has been approved, you will receive our routing number as well as your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company.
Q: How do I set up Direct Deposit of my Social Security check?
A: After your checking application has been approved, you will receive our routing number as well as your account number. Please visit your local financial center and a member representative will assist you.
Q: Is interest paid on my checking account?
A: Our checking accounts do earn dividends. View our rates for more information.
Q: Do you offer IRAs?
A: We offer a variety of Individual Retirement Accounts (IRAs), each with its own unique tax benefits, growth strategies and timelines.
Q: Can I do all of my banking with you?
A: Yes! Thanks to the convenience of WebBanking, Direct Deposit and ATMs, everyday banking activities can be performed on your own time. Contact us with questions about your banking needs.
Q: Can I get information about my account by phone?
A: Yes! We offer PhoneBanking, a free service that provides Member Information Access 24 hours a day so you can check balances, verify deposits/withdrawals, transfer money among your accounts and much more.
Q: Can I look at all of my transactions at any time?
A: Yes! With WebBanking, you have access to your account information 24 hours a day, 7 days a week!
Q: Are wire transfers possible to and from my checking account?
A: Yes! Funds can be transferred to and from accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Contact us for details.
Q: How do I make a deposit to my account from a remote location?
A: You can do most of your banking by using direct deposit, ATMs or ACH (Automated Clearing House) transactions. We also offer a WebDeposits service, which allows you to mail non-recurring deposits. Contact us for details on a method that's best for you.
Q: What is a cycle?
A: A cycle is approximately one calendar month. However, it will vary depending upon when the last business day of the month falls. A cycle is from the last business day of the previous month to the second to the last business day of the current month.

2014 Cycle Begins Cycle Ends
  Dec 31 Jan 30
Jan 31 Feb 27
Feb 28 Mar 29
Mar 30 Apr 29
Apr 30 May 30
May 31 Jun 28
Jun 29 Jul 30
Jul 31 Aug 29
Aug 30 Sep 29
Sep 30 Oct 30
Oct 31 Nov 28
Nov 29 Dec 30
 
© 2014 Allegacy Federal Credit Union
Allegacy is federally insured by the NCUA
Equal Housing Lender NCUA
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