Alternate Transactions Guide
How to Bank Remotely with APGFCU®
Save time and a trip to the branch with these step-by-step instructions. To get started, be sure to enroll in Online Banking.
Want to know all the ways you can bank remotely with APGFCU? Click below for our "54 Ways to Bank without Visiting a Branch" brochure.
Withdrawals and Cash Advances
ATM Withdrawal
Insert Debit or ATM Card.
Select language preference – English or Spanish.
Type PIN and press Enter.
Select Withdraw.
Select an account.
Select an amount and press Enter.
Confirm.
Select with receipt or without a receipt.
Select Return Card.
Please take your card and receipt.
ATM instructions provided are for APGFCU-owned ATMs.
Funds may be withdrawn up to $800 a day from an ATM.
Cash Advance
Log in to Online Banking or the
Mobile App.
Select Transfers & Payments, and then Transfer Money.
Select your Visa card or Easy Cash line of credit.
Select the option from the From Account drop-down menu.
Select the deposit account.
Choose checking, savings, or special from the To Account
drop-down menu.
Enter the dollar amount to transfer as a cash
advance.
Select when the transfer should occur.
Enter a memo, if desired.
Confirm all information is correct and click Transfer Funds.
Your cash advance will be completed on the date you selected.
Deposit Transactions
Mobile Deposit
Access the APGFCU Mobile app.
Log in using credentials.
Select Deposit Check icon.
Select the account to deposit to.
Enter check amount.
Select Front of Check.
Place check on dark surface, align to fit within the box presented.
Select Back of Check.
Place check on dark surface, align to fit within the box presented. Be sure to endorse your check and write “For mobile deposit only” under the endorsement. This should be within the section below for the back of the check.
Select Submit Deposit.
Select Deposit Check History to review the status of deposits.
NOTE: Deposits can take up to an hour to post to an account. Deposits made after 10 p.m. may post the following business day, excluding holidays.
ATM Deposit
Insert Debit or ATM Card.
Select language preference – English or Spanish. Type PIN and press Enter.
Select Deposit.
Review the “Funds Availability Disclosure” and then press Continue.
Select an account.
Select which item(s) you are depositing: Cash or Check(s). Review the instructions and align your deposit of cash or checks as described and then press Continue.
Insert cash or checks.
Select Finish Deposit or another option.
Select Yes or No for a receipt.
Select Return Card.
Please take your card and receipt.
Cash and Check Deposits
For cash deposits, funds from the cash deposit, are immediately available in the account. For check deposits, the first $500 is available for withdraw.
ATM instructions provided are for APGFCU-owned ATMs.
Night Depository Cash or Check Deposit
Available at most branch
locations.
Except Amyclae and Havre de Grace branches.
Fill out night drop envelope and secure deposit inside.
APGFCU envelopes are provided at the Night Depository. Provide the member name, member number, and account suffix to which funds will be deposited.
Place your envelope in the secure Night Depository chute.
Deposits are processed on the next business day.
NOTE: If you do not have a night drop envelope, you may use a plain envelope and insert a note with deposit instructions.
Transfer Transactions
Online Banking Transfers
Log in to Online Banking or the
Mobile App.
In Online Banking, select Transfers & Payments, and then Transfer Money. In Mobile Banking, select Transfer.
Select From Account.
Select To Account.
Enter the dollar amount to transfer.
Select the transfer frequency and when the transfer should occur. Here is an example of the available frequency options for a transfer or payment.
Enter a transfer memo, if desired.
Confirm all information is correct and click Transfer Funds.
Your transfer will be completed on the date you selected.
NOTE: For online banking external transfers, please refer to the instructions under Online Banking External Transfer.
ATM Transfer
Insert Debit or ATM Card.
Select language preference – English or Spanish. Type PIN and press Enter.
Select Transfer.
Select From account.
Select To account.
Type in the amount you wish to transfer, then press Enter. Select Continue with or without receipt.
Select Return Card.
Please take your card and receipt.
ATM instructions provided are for APGFCU-owned ATMs.
Loan Payments
Online Banking External Transfer
Log in to Online Banking or the
Mobile App.
In Online Banking, select Transfers & Payments. In the Mobile Banking App, select Menu then Transfers & Payments.
Click Manage External Accounts.
Enter External Financial Institution’s details.
Enter the routing number, account number, and account type. Click Submit.
Verify your external account.
APGFCU will send two micro-deposits to your account at the other institution. This may take 1-3 business days to process. Once you see the micro-deposits in your other account, return to this page to verify your external account by entering the deposit amounts.
Once your account is verified, you can make a loan payment using the instructions under Online Banking Loan Payment.
Online Banking Loan Payment
Log in to Online Banking or the
Mobile App.
In Online Banking, select Loan Payments. In the Mobile Banking App, select Menu then Loan Payments.
Select From Account.
Select To Account.
Select the Payment Type.
Enter the dollar amount of the payment, or proceed with the standard payment amount.
Select when the payment should occur.
If desired, you can select the payment as a recurring transaction. Here is an example of the available frequency options for a loan payment. There is also an option to enter a payment memo. After selecting your choices, click Submit.
Confirm all information is correct and click Confirm.
Your payment will be completed on the date you selected.
ATM Loan Payment
Insert Debit or ATM Card.
Select language preference – English or Spanish. Type PIN and press Enter.
Select Transfer.
Select From account.
Select Line of Credit or Installment Loan.
Type in the amount to transfer, then press Enter. Select Continue with or without receipt.
Select Loan Suffix.
Select Return Card.
Please take your card and receipt.
ATM instructions provided are for APGFCU-owned ATMs.
Night Depository Loan Payment
Available at most branch
locations.
Except Amyclae and Havre de Grace branches.
Fill out night drop envelope and secure deposit inside.
APGFCU envelopes are provided at the Night Depository. Provide the member name, member number, and suffix to which the payment will be applied.
Place your envelope in the secure Night Depository chute.
Loan payments are processed on the next business day.
NOTE: If you do not have a night drop envelope, you may use a plain envelope and insert a note with deposit instructions.
Credit and Debit Card Services
Temporarily Lock My Card
Log in to the Mobile App.
Select Menu > Cards. Please note, if you have not previously installed our APGFCU Card Manager app, you will be required to do so to access card controls.
Select the appropriate card.
Swipe to select the appropriate card (the last 4 digits of the card will display).
Turn off the card.
Once the appropriate card is displayed, click on the ON/OFF toggle button below the card. You will be asked to confirm that you would like to turn the card off and decline one-time payments. The card will remain OFF for use until it is turned back on.
NOTE: To permanently BLOCK a lost or stolen card – please contact Card Services by phone:
Monday – Friday, 8:00 a.m. – 5:00 p.m.
Phone: 410-272-4000, press 1
800-225-2555, press 1
After hours, please call 800-472-3272.
Dispute a Transaction
Send a secure email. 
To dispute transactions that are not debit or credit card related — send a secure email through Online or Mobile Banking. In Online Banking, select Messages in the main navigation. In Mobile Banking, select Menu and then Messages.
Click the circle with the pencil in the upper right to Compose a New Message.
Select Recipient.
Select Message Recipient from the drop-down list provided based on the type of transaction.
Provide details.
Enter subject in "Message Subject" field. Provide details regarding your inquiry/dispute in the body of the email message. A representative will correspond with you regarding the next steps to finalize your request.
NOTE: Dispute process through Online and Mobile Banking transaction history is only available for debit or credit card transactions.
Dispute a credit or debit transaction in the transaction history
Log in to Online Banking or theMobile App.
Click on Accounts > Account Activity from the main menu.
In the Desktop version
Use the drop down menu to select the appropriate account/suffix to display the transaction history. Once you have identified the transaction in question, on the right hand side of the screen click Dispute Item link to begin the dispute process.
In the Mobile version
Click the Show Search Options to select the account/suffix to display the transaction history. Once you have identified the transaction in question, click on the transaction to display the transaction details. The Dispute Item button will display at the bottom of the transaction detail summary.
Set Card Alerts and Manager Activity
Log in to Online Banking or theMobile App.
On the home page of online banking, you can use the Cards Tile or Accounts > Cards from the main menu to control preferences and add alerts based on activity:
Control Preferences
- Block international transactions
- Block merchants by type
- Block transactions by type
- Set transaction limits
Alert Preferences
- Add alerts such as:
- Reminders
- Balance
- Transactions
