Online and Mobile Banking

Online Banking FAQs

• What are the hardware and software requirements for Online Banking?
  

  The current version of internet browser(s) and operating system(s) is required, though some older versions of browsers and operating software may allow access with limited functionality. If you need assistance, call us at 410-272-4000, Monday - Friday, 8 a.m. – 8 p.m., or Saturday, 9 a.m. – 1 p.m. EST.

• How do I sign up for Online Banking?
  

  You will need your member number, SSN, last name, date of birth, email address, and home phone number to enroll online. If you need assistance, please stop in any branch or call us at 410-272-4000, Monday - Friday, 8 a.m. – 8 p.m., or Saturday, 9 a.m. – 1 p.m. EST.

• What does Online Banking cost?
  

  Online Banking is free to members.

• What does it cost to pay my bills online?
  

  Bill Pay is free for Online Banking members. You must have a checking account to use Bill Pay. Some Bill Pay services do have fees. Please see the Consumer Service Charges & Fees List and the Business Service Charges & Fees List for more information.

• How do I pay my bills online?
  

  Once you have set up a Bill Pay account, go to Bill Pay and add your biller information. You can set up one-time payments, recurring payments, and future payments.

• Is it possible to check my account without signing up for Online Banking?
  

  Yes, you can access account information 24/7 through ABBY, your Telephone Teller. To access ABBY, you will need your member number and your e-services PIN. If you do not have an e-services PIN or have forgotten it, please stop in any branch or call us at 410-272-4000, Monday - Friday, 8 a.m. – 8 p.m., or Saturday, 9 a.m. – 1 p.m. EST.

• Can I include special characters in my password?
  

  Yes. You will be required to create a password with:

  • Must be at least 8 and 32 characters long
  • Must contain at least three of the following four items:
    • Lowercase letters(a-z)
    • Uppercase letters (A-Z)
    • Digits (0-9)
    • Symbols `-!@#$%^&*()_+=\{\}|:;?,./)
  • Must not be based on your personal information such as tax identification number, address or telephone number
  • Must be different from any passcode used in the last 6 months
  • Must be different from any of your last 6 passcodes used
  • The password is case sensitive
• What should I do if I have trouble logging in?
  

  Please visit our Online Banking Login FAQ page for more information. 

• How do I access my online statements?
  

  On your PC, place your mouse over “Accounts” and click on “Online Statements.” In the Mobile Banking App, click on “Accounts” in the top-right menu and then “Online Statements.”

• How do I fix a JavaScript error message on Internet Explorer (Browser)?
  

  You need to adjust the Compatibility View Settings before logging in.

  1. Click on “Tools” or the gear icon in upper right of the browser screen.

  2. Click on “Compatibility View Settings” and a pop up appears.

  3. In the pop up, type apgfcu.com, click on “Add,” and close the pop-up.

  4. Visit apgfcu.com and log in to Online Banking with your temporary password. Your temporary password is the first four digits of the member number followed by the last six digits of the primary member's Social Security number.

• Can I access my spouses account on the mobile app?
  

  Yes, if you are authorized for cross-account access, which allows a member to send funds to or receive funds from another member. If you wish to add or change cross-account access, please call us or visit a branch.

Mobile Banking FAQs

• What if I lose my phone or get a new one?
  

  If you lose your phone or get a new one, log in to your Online Banking account. Click on "Mobile" on top right and select the option "Stop using this device for mobile banking" for your lost or old phone. If you need help, please call us at 410-272-4000.

• Is there a cost to use the APGFCU Mobile App?
  

  APGFCU's Mobile Banking is free, but standard data or messaging rates from your mobile provider may apply. Please check with your provider.

• Which account can I view in Mobile Banking?
  

  You can access all the same features available in Online Banking.

• Who can I contact for help?
  

  For assistance with Mobile Banking, call us at 410-272-4000, Monday -Friday, 8 a.m. – 8 p.m., or Saturday, 9 a.m. – 1 p.m. EST.

• What platform is Mobile Banking App available in?
  

  Mobile Banking app is currently available in Apple and Android.

  • Download Mobile Banking App for iPhone.
  • Download Mobile Banking App for Android.
  • Download Mobile Banking App for iPad.

Mobile Deposit FAQs

• Who is eligible for Mobile Deposit?
  

  Most APGFCU members enrolled in Online Banking with Mobile Banking are eligible.

  See if you qualify:

  • You are 18 years of age old or older
  • You’ve been a member for at least 30 days
  • Your accounts are in good standing
  • You’re enrolled in Online Banking with Mobile Banking and have downloaded our app
  • You have a Personal Savings, Money Market or Checking account. Custodial accounts are not eligible.
• What types of APGFCU accounts accept Mobile Deposit?
  

  Personal and Business Banking Accounts such as Savings, Money Market or Checking.

• Is my account secure in APGFCU Mobile Deposit?
  

  Yes. Your access is through the Mobile Banking app. It uses similar encryption to Online Banking, making your personal and financial information safe and secure.

• Is there a fee to use Mobile Deposit?
  

  No, Mobile Deposit is free, but standard data or messaging rates from your mobile provider may apply. Please check with your provider.

• Are there deposit limits?
  

  Yes. We accept up to $5,000 in mobile deposits per day.

• What types of checks are acceptable for Mobile Deposit?
  

  We accept:

  • Personal checks
  • Payroll checks
  • Government checks (federal, state and local)
  • Company non-payroll checks
• What types of checks are not acceptable for Mobile Deposit?
  
  • Third-party checks
  • Postdated and stale dated checks
  • Collection items (Checks drawn on financial institutions outside the U.S.)
  • U.S. Savings Bonds
  • Money orders
  • Travelers checks
  • Cashier and teller checks
  • Starter or counter checks
  • Remotely created checks
  • Substitute checks
  • Altered checks
  • Returned checks (non-sufficient funds)
  • Checks made payable to two parties if both parties are not listed on the suffix: If a check is made payable to A “and” B, both parties must be on the suffix.  If a check is made payable to A “or” B, only one person needs to be on the suffix.
• How long do I need to hold a deposited check?
  

  Safeguard your check for 60 days and then shred it.

• When will the funds from Mobile Deposit become available?
  

  After confirmation, up to $500 will be available. At most, your total funds will be available within three business days.

• How will I know if there is a problem with the check?
  

  We will contact you via Online Banking Secure Message if there is a problem with the check.

• How do I endorse the check for Mobile Deposit?
  

  Sign your name as it appears on the check. Follow it with "For mobile deposit only."  This needs to written on the check, not preprinted or the box checked.

• How do I enroll in Mobile Deposit?
  

  You don’t need to enroll. Once you meet the eligibility criteria listed in question two above, the Deposits icon will automatically appear on your tool bar.

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