Simple, Convenient, Secure.



Our Services


Real Time Home 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. To learn more about how to simplify your life with bill pay, view our 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.




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 Accounts


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.

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.

Checking Accounts


Share Draft Account


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


Investigate Before You Invest

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



Options if You Owe the IRS

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



Tips to Save on a New Car

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



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!

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




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.