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

Simple, Convenient, Secure

Our Services



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.

Enroll Now


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. To learn more about how to simplify your life with bill pay, view our demo:

View Demo


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, pay bills and more. It's safe, convenient, and available wherever you are.

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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. Allegany First FCU’s members can always find the nearest participating surcharge-free ATMs using the Allpoint ATM locator online at allpointnetwork.com or by downloading the free Allpoint mobile app.



Visa Purchase Trigger Alerts

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



e–Statements

Go paperless and simplify your life.


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.



Senior Benefits

Free checks are now availble 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.



Visa Gift Cards

Visa Gift Cards are a convenient and simple. You choose any amount between $10 and $500 to be applied to the gift card and it can be used almost anywhere Visa is accepted. Gift cards are $3.00 each.



Cash Advances

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



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.



Notary Service

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

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.

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 allpointnetwork.com 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.

Financial Resource Center


Allegany First Investigate First!

Protect Your Accounts Against Phishing!

There is a lot to consider before investing your hard-earned money. Ask yourself these questions first!



Allegany First Investigate First!

Investigate Before You Invest

There is a lot to consider before investing your hard-earned money. Ask yourself these questions first!

Learn about investing


Avoid ID Theft

Options if You Owe the IRS

The IRS wants taxpayers to know that it’s easier than ever to pay their taxes electronically.

Learn about the IRS


Avoid ID Theft

Tips to Save on a New Car

Thinking of buying a new car? These these tips can help you get the best deal.

Learn about saving on a new car


Avoid ID Theft

Check Your Credit After Vacation

No matter how fun a vacation is, it's always nice to come home. Learn why checking your credit when you get back is important!

Check your credit

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:


Online: www.annualcreditreport.com

Telephone: 1-877-322-8228

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

Visa Purchase Alert Triggers


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

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 Purchasealerts.visa.com 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 www.allpointnetwork.com or by downloading the free Allpoint mobile app. And once at the store hosting an Allpoint ATM, look for the green Allpoint logo.

Phishing Alert!


AFFCU is continually working to make sure our member accounts are as secure as possible. Some members have reported phishing attempts recently. IF you are enabled to receive text and/or email alerts from AFFCU, text messages will display a sender number of 328-74 or a email sender that displays FraudServiceCenter@AlleganyFirstFCU.com. We will ONLY ask you to verify if you did make the purchase(s) or not, we will not ask for account or personal information.

Keeping you protected is important to us! If you receive any communication from a sender not listed below, indicating you have fraudulent charges or anything claiming to be related to your account, it a phishing scam and not from us!

If you are not yet enabled to receive text and/or email alerts from AFFCU regarding your debit card and would like to utilize this feature, please contact our office: (585) 567-4103, info@alleganyfirstfcu.com or stop in and see us!



Sample Communicate Text and Email Alerts

Below are samples of the verbiage you can expect to receive via SMS text and email. Both text and email alerts will display Allegany First FCU as the sender.

Text messages will display a sender number of 328-74. It will accept some variations of response, but if for some reason you reply with a response that is not acknowledged, then you will receive the HELP response.



SecurLOCK Communicate Text Alerts

SecurLOCK Communicate SMS Alert FreeMsg: (Allegany FIrst FCU) Fraud Dept: Suspicious txn on acct 1111: $201.99 WALMART. If authorized reply YES, otherwise reply NO. To Opt Out reply STOP.

SMS Response to “YES” FreeMsg: (Allegany First FCU) Fraud Dept: Thank you for confirming this activity. Your account is safe for continued use. To Opt Out reply STOP.

SMS Response to “NO” FreeMsg: (Allegany First FCU) Fraud Dept: Thank you. We will call you or you can call us anytime at 800-369- 4887. To Opt Out reply STOP.

SMS Response to “HELP” FreeMsg: (Allegany First FCU) Fraud Dept: received your msg. It is important we talk to you. Please call 800-369- 4887 ASAP. To Opt Out reply STOP.

SecurLOCK Communicate Email Alert

From: FraudServiceCenter@AlleganyFirstFCU.com Subject: URGENT: Your Card Has Been Suspended Due To Recent Account Activity

Your Credit Card Ending in 0000

Dear (Cardholder’s Name):

As part of our commitment to protecting the security of your account, we continuously monitor for possible fraudulent activity. We need to verify that you, or someone authorized to use your account, attempted the following transaction(s) on your account ending in (0000):

Merchant Amount Date Time Location
TRIGGER $440.01 04/01/2016 08:01 AM MILWAUKEE, WI
WALMART $504.95 04/01/2016 10:02 AM MILWAUKEE, WI
WALMART $104.95 04/01/2016 09:31 AM MILWAUKEE, WI
WALMART $54.95 04/01/2016 09:01 AM MILWAUKEE, WI
WALMART $304.95 04/01/2016 08:01 AM MILWAUKEE, WI

If the dollar amount is not identical to what is shown on a transaction receipt, this may be due to a preauthorization which has not yet posted to your account.

The merchant location for internet transactions may be different than you expect as they are often cleared through a centralized billing location.

If you have already spoken with us about these transactions, then no further action is required.

Please click on one of the two statements below that best represents the transactions above:

All Transaction(s) Authorized One or More Transaction(s) NOT Authorized

NOTE:

Your satisfaction is very important to us and we appreciate your prompt attention to this matter. If you have any questions about the content of this email, please don't hesitate to contact us at 800-369-4887 from the U.S. and Canada. If you prefer, use the phone number on the back of your card. Internationally, you can reach us collect at 727-227-2447 and we will accept the international collect call charges. For your convenience, we are available to take your call 24 hours a day, 7 days a week.

Thank you for being a valued customer.

Sincerely,

(AlleganyFirst FCU) Fraud Service Center

Please do not respond to this email, this mailbox is not monitored. It is only used for sending Fraud Alert Email notifications.



What is Phishing?

Phishing is the practice of sending messages that appear to be from financial institutions with the goal of persuading individuals to provide sensitive information that can be used to commit fraud or identity theft. 

Some individuals have received phone calls at all hours, day and night, falsely informing them that their credit card has been deactivated due to fraudulent activity. Some of the messages make reference to a specific credit union and others do not. Some people have received emails indicating that a member has fraudulent transactions on their account. Please remember that your financial institution will NEVER ask for your personal non-public information unless you initiated the original contact.  

Allegany First Federal Credit Union takes the security of our member information seriously. Please be assured that the information you have on file with Allegany First FCU is secure. The criminals that are phishing for your account information are able to get email addresses and phone numbers in a number different ways. Here are a few examples: Job Boards or other message boards, White pages, or random Generating email/number software (Email / Spam Bots).

Although we are unaware of these phishing attempts until our members inform us of them, we are making efforts every day to better inform our members of possible scams. Additionally, we urge our members to sign up for Online Banking and provide us with a valid cell/text enabled phone and/or email address so that we can notify you via email regarding current scams.

 

How to Avoid being Hooked by a Phishing Scam: 


The number and sophistication of phishing scams sent out to consumers is continuing to increase dramatically. While online banking and e-commerce is very safe, as a general rule you should be careful about giving out your personal financial information over the Internet. The Anti-Phishing Working Group has compiled a list of recommendations below that you can use to avoid becoming a victim of these scams.

  • Be suspicious of any email with urgent requests for personal financial information!
    • Phishers typically include upsetting or exciting (but false) statements in their emails to get people to react immediately.
    • They typically ask for information such as usernames, passwords, account numbers, credit card numbers, social security numbers, etc.
    • Phisher emails are typically NOT personalized, while valid messages from your credit union or e-commerce company generally are.
  • Don’t use the links in an email to get to any web page if you suspect the message might not be authentic. Instead, call the company on the telephone, or log onto the website directly by typing in the web address in your browser.
  • Avoid filling out forms in email messages that ask for personal financial information. You should only communicate personal information (such as credit card numbers, PIN number, social security numbers, or account information) over the telephone or via a secure website. When submitting credit card or other sensitive information via your web browser, always ensure that you’re using a secure website.
  • Log into your online accounts daily or weekly to review account activity.
  • Regularly check your credit union, credit and debit card statements to ensure that all transactions are legitimate. If anything is suspicious, contact your financial institution and all card issuers.
  • Always report ‘phishing’ or ‘spoofed’ e-mails to the following groups:
    • Forward the email to the Federal Trade Commission at spam@uce.gov.
    • Forward the email to the "abuse” email address at the company that is being spoofed (e.g. "info@alleganyfirstfcu.com”).
    • When forwarding spoofed messages, always include the entire original email with its original header information intact.

    If you believe your card has been compromised or to report a lost or stolen card please call our office immediately: (585) 567-4103. After hours call the VISA Debit Card Lost, Stolen or Report Fraud Line: (800) 543-5073