Answers To Your Personal Banking Questions
AdelFi is here to serve as a resource for our members. Below, you'll find the most common questions we encounter from our personal banking members.
What to expect?
First-Time Sign-In
Expect a new, user-friendly interface.
Update your user info and create a new password.
Receive a one-time alpha code for mobile device registration.
Account and User Information
Changing Username/ID: Instructions will be sent via email.
Familiar Features: Remote deposit capture and financial tools are still available with improved functionality.
New Features and Tools
Account Aggregation: Add accounts from other financial institutions for a complete overview.
Enhanced Notifications: More options for alerts.
Faster Remote Deposit Capture: Enjoy improved responsiveness.
Digital ID: Streamlined verification for quicker access.
Account Management
Opening and Closing Accounts
How do I open an account?
Apply for membership and open an account through our online application.
Existing members: Call 800-634-3228 to add accounts.
How do I close my AdelFi account?
Contact Member Services at 800-634-3228 or visit a local branch to close your account.
What happens if my account becomes inactive?
Accounts with no activity for 12 months may be classified as dormant.
To avoid dormancy fees, ensure you make at least one transaction annually.
Direct Deposits and Transfers
How do I set up direct deposit?
Provide your employer with:
Our name: AdelFi
Routing number: 322273379
Your account number
How do I transfer funds between banks?
Use the transfer function in online banking to move funds between your AdelFi and external accounts.
How long does it take for direct deposit to post?
Direct deposits are usually posted the same day they are received, often by 9 AM (PT).
ACH transfers from external accounts typically take 1-3 business days to process.
Can I link external accounts to view in my AdelFi dashboard?
Yes, use the Financial Tools in online banking to securely link and monitor external accounts.
Will I need to re-link external accounts after the digital banking upgrade?
Yes, all external accounts will need to be re-linked after the upgrade. You will be able to pull in 90 days of history once they are linked.
Digital Banking
Access and Registration
How do I register for online banking?
Call the Member Activation Line at 714-671-5763 to register.
How do I reset my online banking login ID or password?
Click Forgot Password on the login page.
Follow the email instructions to reset your password.
How do I change my contact information?
Log in to online banking, go to Settings, and click Edit Profile to update your information.
Bill Pay and Account Management
How do I enroll in Bill Pay?
Log in and select Pay & Transfer and followed by Pay a Bill/Person to enroll.
How can I view my tax forms online?
Log in, select Account Services, and click View Tax Forms.
How do I access my account statements?
Log into online banking, select Account Services, and click View Statements.
You can view, download, or print statements.
Can I receive paper statements?
Yes, you can opt to receive paper statements by updating your preferences in Settings or contacting Member Services.
Note: Fees may apply for paper statements.
How long are my online statements available?
Statements are available for up to 7 years in online banking.
Digital Banking Features
How do I download the AdelFi mobile app?
Download the app from the Apple or Google Play Store.
Can I deposit checks with my phone?
Yes, you can deposit up to $10,000 per day using mobile check deposit.
Do I use the same login for the mobile app?
Yes, use the same Login ID and password as online banking.
Is dark mode or high contrast available on your new platform?
Currently, dark mode or high contrast settings are not available on our new platform. However, some browsers provide extensions that can help you quickly switch your screen (browser) to dark mode for nighttime viewing.
Security and Fraud Protection
Account Security
How do I protect my online banking account?
Use a strong, unique password.
Enable two-factor authentication.
Log out after each session.
Avoid using public Wi-Fi for sensitive transactions.
How do I report a lost or stolen debit card?
Call 888-241-2510 (U.S.) or 909-941-1398 (international) immediately.
You can also send a secure message through online banking to block the card.
Alerts and Suspicious Activity
How do I set up security alerts for unusual account activity?
In online banking, go to Settings > Manage Alerts > Security Alerts.
You can set alerts for password changes, new devices, or unusual login activity.
What should I do if I receive a suspicious alert?
Immediately change your password and review recent transactions.
Contact Member Services if you notice any unauthorized activity.
What should I do if I suspect fraud on my account?
Immediately contact Member Services at 800-634-3228.
Review recent transactions in online banking for any unauthorized activity.
Change your online banking password and enable additional security alerts.
Transactions and Transfers
Check and Funds Management
How do I deposit a check?
Endorse the check, write "For mobile deposit only."
Follow the instructions in the app to take a picture of both sides of the check.
When will my money be available?
Deposits made before 5:00 PM (PT) are usually available within 3-4 hours.
How do I set up an external account for transfer?
Add the external account:
Enter the institution’s routing number and your account number.
Verify:
Enter the amounts of two "micro" deposits sent to the external account.
How long does an external transfer take?
Transfers submitted by 2:00 PM (PT) will post the next business day.
What are the transfer limits?
Daily limit: $25,000
Monthly limit: $50,000
Payments and Scheduling
Can I schedule recurring international wire transfers?
No, recurring wire transfers are not available for international accounts. Each transfer must be initiated manually.
What should I do if my payment fails?
Ensure you have sufficient funds in your account.
Verify that the recipient's information (account or email) is correct.
Check if your daily transfer limit has been exceeded.
Can I stop or cancel a scheduled payment?
Yes, log into online banking and navigate to Bill Pay. Select the payment and choose Cancel before the payment is processed.
ATM and Debit Card
Activation and Limits
How do I activate my Visa® Gold check card?
Make a withdrawal, call 800-466-0040, or send a secure message via online banking.
How do I change my PIN?
Contact Member Services for a new PIN. It will be mailed to your address.
What are my ATM withdrawal limits?
$1,000 daily ATM withdrawal limit.
$2,500 daily purchase limit.
Fees and Reimbursements
Does AdelFi reimburse ATM fees?
Yes, for certain accounts, AdelFi reimburses ATM fees incurred at non-CO-OP ATMs up to a monthly limit.
Check the Fee Schedule or contact Member Services to see if your account qualifies.
Digital Wallet and Payments
Digital Wallet Management
How do I add my cards to a Digital Wallet?
Apple Pay: Go to Settings > Wallet & Apple Pay, tap Add Credit or Debit Card.
Samsung Pay: Open the Samsung Pay app, tap Add Card.
Google Pay: Open Google Pay and follow the prompts.
How do I remove a card from my digital wallet?
Apple Pay: Go to Settings > Wallet & Apple Pay, tap the card, and select Remove.
Google Pay: Open the Google Pay app, tap Payment, select the card, and click Remove.
Samsung Pay: Go to Samsung Pay, tap Cards, select the card, and click Delete.
Loans and Credit
Applying and Managing Loans
How do I apply for a loan or credit card?
Visit our Loan Application page or call 800-634-3228 for assistance.
You can also apply for a loan or credit card through online banking.
How do I make payments on my loan or credit card?
Use the Transfer function in online banking to make one-time or recurring payments from your AdelFi account or external bank.
Can I pay off my loan early?
Yes, there are no penalties for early repayment of loans at AdelFi.
You can make additional payments or pay off the balance through online banking.
Credit Reporting
Will AdelFi report my loan or credit card to credit bureaus?
Yes, AdelFi reports your loan and credit card activity to the major credit bureaus.
Regular, on-time payments help build your credit score.
Special Services
Services for Minors and Families
Can I open an account for my child?
Yes, you can open a Start Young account for children under 18.
This includes savings and spending accounts with parental controls.
How do I manage my child’s banking limits?
Contact Member Services to adjust your child's spending or ATM limits, or temporarily block their card.
Support for Missionaries and Non-Profits
Does AdelFi offer special services for missionaries or nonprofits?
Yes, we offer specialized banking services, including donor support, online banking tools, and financial wellness resources tailored for missionaries and nonprofits.
Contact Member Services for more information on how we can support your specific needs.
How do I deposit donor checks as a missionary?
Use AdelFi Member-to-Member transfers via online banking if the donor is a member. You can also recommend P2P services like Zelle or Venmo, or send checks using Mobile Deposit.
Investment and Savings
Account Options
What types of savings accounts are available?
AdelFi offers:
Regular Savings
Money Market Accounts
Certificates
IRAs
How do I open an IRA or Certificate?
Log into online banking and select Open New Account, or contact Member Services for assistance.
Does AdelFi offer investment accounts?
Yes, we offer IRAs, money market accounts, and certificates.
Contact Member Services to learn more or open an account.
Notifications and Alerts
Account Alerts
Can I set up alerts for low balance or overdrafts?
Yes, you can set up balance alerts through online banking.
Go to Settings > Manage Alerts, and choose Low Balance Alert or Overdraft Alert.
What kinds of alerts can I set up for my account?
You can set up alerts for:
Low balance
Large transactions
Account login activity
Transfers and deposits
Customize alerts via Settings > Manage Alerts in online or mobile banking.
Tehnical Support and Resources
Login and Access Issues
What should I do if I can't log into online banking?
Ensure you’re entering the correct username and password.
Clear your browser’s cache and cookies or try using a different browser.
If you’re still having trouble, click Forgot Password or contact Member Services.
How do I update my contact information in online banking?
Log in, select Settings, and click Edit Profile to update your address, email, or phone number.
Help and Tutorials
Does AdelFi offer tutorials for using online banking?
Yes, AdelFi offers step-by-step guides in the Help and Support section of online banking.
You can also contact Member Services for assistance.
What is Digital ID, and how do I use it?
Digital ID is a feature that allows quick, secure account verification when contacting AdelFi Member Services.
You can enable Digital ID through the mobile app after the first login to the new platform.
Business Day Cutoff Times
Transfer and Transaction Times
What is the cutoff time for same-day transfers?
Transfers submitted by 2:00 PM (PT) will process the same day.
Transfers after this time will be processed the next business day.
What are the cutoff times for mobile check deposit?
Checks deposited before 5:00 PM (PT) will be processed the same day.
Deposits after 5:00 PM will process the next business day.
Interest and Fees
Accountt Benefits and Cost
Do you offer interest on checking accounts?
Yes, our Interest Checking account offers interest if you maintain a minimum daily balance of $1,000 or more.
Are there any monthly fees for savings accounts?
No, there are no monthly maintenance fees for standard savings accounts.
What fees should I be aware of?
Overdraft fees
Wire transfer fees
International transaction fees
Fees for excessive withdrawals on savings accounts (more than 6 per month)
Consult the Fee Schedule for a complete list.
