Monday – Thursday: 9am – 4pm. Friday: 9am – 6pm   585-567-4103

Simple, Convenient, Secure

Share Draft (Checking) Accounts

This account offers special features to make it easy and convenient to manage your finances:

  • No minimum balance required
  • No per check fee
  • No monthly service charge
  • No per transaction charge
  • Overdraft protection available
  • Debit card available with surcharge-free access at 55,000 Allpoint ATMs

Overdraft Protection

When you have Overdraft Protection you can be confident that your checks and Automated Clearing House (ACH) items will be protected in the event of insufficient funds. Apply now for overdraft protection.

Visa Debit Card with EMV chip

Visa debit cards are the most convenient way to access your money. Use it to make purchases or to get cash from an ATM machine. Your Visa debit card is accepted worldwide. EMV chip cards will be issued upon expiration of your current debit card. Allegany First cardholders also enjoy unlimited surcharge FREE access to Allpoint ATMs. Visit or download the free Allpoint app to find the nearest ATM. Apply now for your Visa Debit card!

Direct Deposit

Conveniently deposit your entire paycheck or just a portion of your paycheck into your credit union account. As an added convenience, once the funds are deposited we can automatically make transfers to your regular shares, club accounts, or even make loan payments.

Reorder Checks

You can order your checks directly through the Check Printing Solution’s website. Use this convenient, secure check ordering method to save time!

For security reasons, Check Printing Solutions has restricted this service to orders that do not have any name or address changes. If you do have name or address changes, simply contact us at (585) 567-4103 for information on how to make those changes to your account.

Share (Savings) Accounts

Regular savings accounts may be started with as little as $5.00. This is the initial account you open to become a member. Regular savings accounts begin earning interest at $200.00 and require a $5.00 balance.

Club Accounts

We offer Christmas, Summer, and January club accounts. Each club earns the same interest as a regular share account and there is no penalty for early withdrawal. Club accounts begin earning interest at $50.00 and require no minimum balance.

Youth Account

Youth accounts are a great way to help young people learn to manage money and introduce them to the many benefits of credit union membership. Youth accounts are for members age 18 and under. Youth accounts begin earning interest at $20.00 and require no minimum balance.

Education Account

An Education account will allow you to save for your child's (or your own) college expenses a little at a time. Education accounts begin earning interest at $200.00 and require no minimum balance.

Share Certificates

Share Certificates are simple, safe investments that provide multiple terms to meet your needs. Enjoy competitive rates and a low minimum opening deposit of $500.00.


Online Banking

Our free online banking service is designed to provide you and your family with secure and easy access to your accounts over the internet.

Bill Pay

Still paying bills the hard way? When it comes to keeping track of when your bills are due, you need a simple solution. Allegany First's bill pay service allows you to pay your bills online with no monthly fees, no limit on the number of payees and no per-transaction fees. Giving you greater convenience and greater control. Because sometimes the simple solution is the best solution.

Mobile App

Download the FREE Allegany First Mobile Banking app for iPhone or Android and easily access your accounts from your mobile device. Check your balances, history, funds, make deposits, pay bills and more. It's safe, convenient, and available wherever you are.


E-statements give you convenient and secure access to your monthly and quarterly account statements. E-statements are delivered to you electronically via our home banking program within the first few days of each month. There's no fee for e-statements, and it's easy to sign up. Just log in to your home banking account, click “Statements”, agree to the terms, and verify your email address. It’s that simple.

Mobile Deposit

Mobile deposit provides you with the ability to deposit a check into your checking or savings account, right from your smart phone and on your schedule. It’s free, secure and as easy to use as your phones camera.

Telephone Banking

All you need to start using our telephone banking is your one to four digit account number and your access code (which is the last four digits of the primary account holder’s social security number). Give it a try. Call (585) 567-4450 or (866) 240-8008.

Surcharge Free ATMs

Allpoint Network ATMs are conveniently placed in premier retailer locations – are within Allegany First FCU’s footprint as well as nationwide and beyond. Allpoint Network ATMs make cash access quick, easy and surcharge-free for Allegany First’s members. Find the nearest participating surcharge-free ATMs using the Allpoint ATM locator online at or by downloading the free Allpoint mobile app.

Visa Purchase Alerts

You'll get real-time alerts via text or email whenever your purchase meets the criteria you select during enrollment. Sign up today.

Calculate your savings and loans

Loan Calculator

Savings Calculator

Free Annual Credit Report

Ideally, you should check your credit report with each of the three credit bureaus, Equifax, Trans Union, and Experian, once a year or more. Thanks to the Fair and Accurate Credit Transactions Act (FACT Act), one free copy of your credit report is available annually from each of the three credit bureaus. We strongly encourage you to take advantage of this opportunity. You should check it carefully for any errors and for signs of fraudulent activity.

Your free credit report may be requested by any of the following methods:


Telephone: 1-877-322-8228

Mail: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281

summer skip a pay is here!

Relax! Skip-A-Pay is here!

Allegany First wants to help alleviate your financial stress this summer by offering a Skip-a-Pay program. You now have the opportunity to skip your July and/or August payment on any qualified loan.


  • Eligible months you can skip: July and/or August.
  • You can skip a payment once every 12 months, up to a maximum of 3 times during the term of your loan.
  • If you have more than one loan, you may request to skip-a-pay on each loan.
  • A processing fee of $10 will be charged for each loan you request to skip.
  • All loans must be current and have at least six months of on-time payments.
  • Interest and insurance premiums will continue to accrue during the skip period which will result in the term of the loan be extended.

Which loans can be skipped?

  • Auto loans
  • Personal loans
  • Overdraft loans
  • Recreational vehicle loans (including campers, boats, snowmobiles, and tractors)

Ready to apply?

Simply contact us at 567-4103 or stop by our office to get more information on how to apply.

Allegany first mobile deposit

Allegany First Mobile Deposit is here!

Banking on the go is now even easier.

apple app store google play store

Mobile deposit provides you with the ability to deposit a check into your checking or savings account, right from your smartphone and on your schedule. It’s free, secure, and as easy to use as your phone's camera.

To access mobile deposit be sure you have the latest app (Version 2.1) for iPhone or Android.

Frequently Asked Questions

What is Mobile Deposit?

This is a feature in the Allegany First app that allows members to deposit checks to their savings or checking account remotely by taking a photo of their check via their mobile device.

How should I endorse my check?

Before taking a photo of your check, it MUST be endorsed “For Mobile Deposit Only” and signed by all payees.

Is there a cut-off time for deposits?

Deposit cut-off times are 8:30 a.m. and 3:00 p.m., Monday through Friday. Checks that are received before the cutoff times will be credited to the member’s account the same day. If you submit after 3:00 p.m., or on a non-business day or holiday, your deposit will be processed and credited the next business day.

How do I access Mobile Deposit?

Make sure you have the most recent version of our mobile banking app (2.1). Once logged in to the app simply follow these steps:

  1. On the bottom menu bar select “Mobile Deposit”
  2. Enter the amount of the check
  3. Select the checking or savings account you would like to deposit the check to
  4. Capture a photo of the front and back of the check
  5. Once you have captured a clear image, select “Next”
  6. Review the information displayed, select “Submit”

How do I know if my deposit was accepted?

You will receive a confirmation message for each successful deposit. If there is a problem with your deposit, you will be notified by telephone and/or mail.

Are there deposit limits?

Yes, deposit limits are set as follows and are subject to review and may change at any time:

  • Maximum per check limit amount: $5,000.
  • Maximum daily deposit limit amount: $5,000.
  • You can deposit a maximum of 10 checks daily up to your daily deposit limit of $5,000. However, you can only deposit one check at a time.

What type of checks are eligible for Mobile Deposit?

Checks payable to the primary and/or joint member only in U.S. dollars and from U.S. financial institutions including, but not limited to:

  • Personal Checks
  • Payroll Checks
  • U.S. Treasury Checks

What type of checks are NOT eligible for Mobile Deposit?

  • Checks without the “For Mobile Deposit Only” endorsement
  • Third party checks
  • Checks older than 6 months
  • Postdated checks
  • Checks drawn on financial institutions outside of the U.S.
  • Checks that are not payable in U.S. currency
  • Savings bonds and travelers checks
  • Altered checks

How long should I keep the original check?

You should securely store original checks for a 30 day period. The original check should be marked “VOID” after verification that it has been correctly credited to your account. Please note that you are solely responsible and liable for the security and storage of the original checks. Upon the expiration of the 30 day period, you should destroy/shred any items deposited via mobile deposit.

What devices support mobile deposit?

Mobile deposit is supported by Apple and Android devices with an operable camera.

Still have questions?

Please contact our office at (585) 567-4103 or email at

Visa Purchase Alert Triggers

You'll get real-time alerts whenever your purchase meets the criteria you select during enrollment here:

Using VISA Purchase Alerts you can set notifications that are right for you:

  • Reaching a purchase amount threshold
  • International purchases
  • Purchases made on the internet or over the phone

Benefit to having purchase alerts:

  • Security- Get alerts in real-time and immediately identify potentially fraudulent activity will allow you to keep your account secure.
  • Control- Take an active role by tracking spending and staying on top of account balances.
  • Convenience- Adjust your alerts to what makes sense for you and receive them via SMS text message or email.

Start receiving alerts today:

  • Go to to enter your VISA Debit account number.
  • Register your mobile device and email to receive VISA Purchase Alerts.
  • Choose the notification triggers

allpoint atm network

Allegany First Federal Credit Union Partners with Allpoint to Extend ATM Network

Allegany First FCU now offers its members access to 55,000 surcharge-free ATMs nationwide as part of a new partnership with Allpoint Network, the largest surcharge-free network in the United States and worldwide.

Allpoint Network ATMs are conveniently placed in premier retailer locations – are within Allegany First FCU’s footprint as well as nationwide and beyond. Allpoint Network ATMs make cash access quick, easy and surcharge-free for Allegany First’s members.

How to find the Allpoint Network

The Allpoint Network offers members access to 55,000 ATMs across the United States, Canada, and Mexico, as well as the United Kingdom and Australia.

Allegany First FCU’s members can always find the nearest participating surcharge-free ATMs using the Allpoint ATM locator online at or by downloading the free Allpoint mobile app. And once at the store hosting an Allpoint ATM, look for the green Allpoint logo.

Additional Services

Visa Gift Cards

Visa Gift Cards are a convenient and simple. You choose any amount between $10 and $1000 to be applied to the gift card and it can be used almost anywhere Visa is accepted. Gift cards are $5.00 each.

Senior Benefits

Free checks are now available to our members age 65 and over. Just let an Allegany First employee know that you qualify for this benefit the next time you order your checks with us.

Cash Advances

A quick and easy way to get cash using your debit or credit card.

Notary Services

We have a Notary on staff to provide a no fee Notary service to our members.

Other Miscellaneous Services

  • Money orders
  • Cashier's Checks
  • Wire Transfers (Domestic and international)
  • Account Reconciliation