Joint Owner on Account
Add a joint owner on your account. Be certain someone who shares your financial responsibilities will be able to access your accounts if necessary. To add a joint owner to an existing share account, complete and sign a new Application for Membership-Add Joint Owner form. Both the member and the new joint owner must sign and the joint owner must provide a copy of their driver's license and social security card.

Power of Attorney (POA)
Have a Power of Attorney on file at the credit union. A Power of Attorney is a legal designation where you grant someone other than the account owner or joint owner the authority to conduct business on your account in your absence. POA forms are provided through your JAG officer or attorney. Be sure the seal on the POA copy you provide the credit union is legible.

Direct Deposit/Payroll Deduction
Sign up for Direct Deposit. Direct Deposit automatically deposits your paycheck into the account of your choice. Payroll deduction lets you designate part of your pay to go to another account or to pay a bill. Air Force FCU allows direct deposit and payroll deduction into your accounts. If you set up direct deposit to your checking account, you'll be able to arrange automatic payments on your AFFCU loans without having to write a check.

CyberMAT On-line Financial Services
Sign up for CyberMAT. It's free and just a click away. Access your account anywhere you have internet access to check your account balances, transfer money between qualifying share and loan accounts or request a withdrawal by check. You can even download your account information to financial management software programs like Quicken® or Microsoft® Money.

Bill Payment
Once your account is set up for CyberMAT access, sign up for Free Bill Pay. Pay your bills quickly and easily online. No envelopes or stamps. Bill Payment gives you the flexibility to schedule payments to your U.S. merchants in advance or as reoccurrences. You can also set up automatic transfers with many merchants, such as your utility providers. This way, funds are automatically deducted from your accounts when the payment is due.

Wire Transfers
Familiarize yourself with Wire Transfer Procedures. You may be in a remote location and need to quickly send money to another part of the world. We will be here to help you. Check out the procedures for wiring funds.

Address Changes
Be sure to let us know of any address changes. There are several easy ways to notify us. You can use our Secure Online Change of Address Form. Or, if you prefer, you can print, complete and sign the Address Change Form. Then, you can mail it, fax it or bring it to the credit union.

Redi-Credit Loan
Set up a line of credit with Redi-Credit. Even if you do not wish to take a loan advance now, signing the initial loan application and credit agreement can save time on future loans. Redi-Credit is an open-ended loan that allows the borrower to take multiple loan advances based on a single loan application and credit agreement.

Visa Debit Card
Get a Visa Debit Card. With the free, no annual fee Debit Card, you can make purchases directly from your share draft checking account anywhere that displays the VISA logo. It can also be used at over 500,000 ATMs worldwide to access your share savings and share draft checking accounts. The Debit Card replaces your ATM card. AFFCU charges no ATM fees when your card is used at any AFFCU-owned ATM. When your card is used at an ATM not owned by AFFCU, we waive our fees on the first three transactions per month. Please be aware that the owner of that ATM may charge you a fee.

Visa Credit Card
Apply for a Visa Credit Card. Having our low interest, no annual fee, no cash advance fee credit card in your pocket will give you peace of mind that you will have emergency cash if needed.

Soldier's and Sailors' Civil Relief Act
Air Force Federal Credit Union complies with The Soldiers' and Sailors' Civil Relief Act (SSCRA) that provides protection for individuals entering or called to active duty in the military service. We will need a copy of your orders on file at the credit union. Contact our Call Center for more information.