Share Savings & Share Draft Checking

Yes. Share Savings are automatically linked to a Share Draft Checking Account to protect you from overdrawing your account. Upon request we can link other Share sub accounts as a backup. We also offer our members Fast Cash Line of Credit/Overdraft Protection. Transfers from Fast Cash occur automatically to your Share Draft Checking Account to protect you from overdrawing your account. In order to establish Fast Cash, you are required to apply. All Fast Cash applications are subject to credit review.

The easiest way to place a Stop Payment on a check (draft) is through APCI eBanking. On a personal computer, select the three dots on your dashboard to bring up more options, then choose "Stop Payment." On a mobile device, select "Menu," "More," then choose "Stop Payment." When placing a Stop Payment authorization through APCI eBanking, there is NO fee! You may also call the Credit Union at 800-821-5104 to place a Stop Payment; however, you will be assessed a $20 fee.

No. Since the Credit Union does not offer business accounts, checks made payable to a business that a member owns, or those from a business made payable to the business, cannot be deposited into a personal account at the Credit Union.

No. There are no minimum balance requirements, unlimited check writing, and no monthly service charges. We provide your first 40 checks for free and offer APCI ePAY.

The simplest way to order checks is through APCI eBanking, which pre-fills your starting check number and current check style. You can also reorder checks online or call the Credit Union at 800-821-5104, option 5 for assistance.

There are several ways you can make a deposit to your Credit Union account. 

  • APCI eDeposit allows you to take a picture of a check and deposit it using your mobile device. You can access APCI eDeposit through the APCI eBanking Mobile App.
  • If you live near the Credit Union, you can deposit cash or checks over the counter or at the deposit taking ATM in the vestibule.
  • If you have an ATM or Visa® Debit Card, you can locate a deposit taking ATM using our ATM Locator and deposit cash or checks to your Credit Union account using your card. 
  • You can also mail checks to APCI Federal Credit Union at: PO Box 20147 Lehigh Valley, PA 18002-0147 (checks only – do not send cash). 

Our Informal Trust Accounts (ITF) allow for a beneficiary designation for both a Share Savings Account and a Share Draft Checking Account. Please call Member Services at 800-821-5104 for assistance.

A PAUTMA (Pennsylvania Uniform Transfer to Minor Act) Custodial Share Savings Account is a Share Savings Account that is opened by a custodian (adult) for minors under the age of 18.

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