Share Savings & Share Draft Checking

We 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. Overdraft protection is also available by an automated transfer from your Share Savings Account (subject to 6 regulated transfers per month).

No. There are no minimum balance requirements, unlimited check writing, and no monthly service charges. We provide your first 50 checks for free and offer APCI PAY Online Bill Paying Service®.

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 eMobile app.
  • If you live near the Credit Union, you can deposit cash or checks over the counter.
  • 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). 



If you are an Air Products employee, you can arrange to have your paycheck directly deposited to your Credit Union account by completing a Direct Deposit and Payroll Authorization Form. If you are not an Air Products employee, talk with your employer to see if they offer electronic payroll. If so, you can elect to have your paycheck directly deposited to your Credit Union Account by completing a Direct Deposit Authorization Form.     

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.

Yes. By calling or stopping by the Credit Union, you can specify a dollar amount that should be deducted from your paycheck and deposited to any of your Credit Union accounts. We can even set-up a payroll deduction to repay a loan. The payroll deduction will not interfere with any direct deposit instructions you have in place. The Air Products Payroll Department will simply deduct the amount you specify and send it to us before your remaining pay goes to your direct deposit financial institution.

You can reorder checks online or call the Credit Union at 800-821-5104 for assistance.

A PAUTMA (Pennsylvania Uniform Transfer to Minor Act) Account is a Share Savings Account that is opened by a custodian (adult) for minors under the age of 21.

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