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Routing Number: 263181384

Frequently Asked Questions

Here, you’ll find helpful information about our products, services, and digital tools. Whether you're looking for answers about managing your account, understanding our loan services, or making secure payments online, we’ve got you covered.

General Questions

Our routing number is 263181384.

Since you present your card before you pay for gas, the purchase will not automatically be declined at the pump if you don’t have enough funds in your account to cover the entire purchase. Instead, you will be charged the full amount on your card and your account will be overdrawn, resulting in a fee.

To ensure you don’t accidentally overdraw your account, keep track of your balance by logging into online banking or checking our mobile app. It’s a good practice to check your balance before you start to fill up.

First, reach out to the other financial institution to cancel the payment. If they are unable to cancel the payment, stop by a branch or give us a call to complete a Written Statement of Unauthorized/Improper ACH Debit Activity. This form needs to be completed and signed before the funds can be returned to your account.
Collateral Protection (CPI) is a type of protection for lending institutions in the event a borrower is not able to provide proof of insurance. In the event a borrower does not provide proof of insurance, Collateral Protection Insurance will be issued through Addition Financial’s insurance program. This type of insurance is enacted to protect the interests of the credit union and will not satisfy any legal requirements related to insurance, nor will it provide liability coverage.
We offer accounts as special as you are, including Trust accounts, Representative Payee accounts, UTMA accounts, Estate accounts, VA accounts, and Guardianship accounts. To open any of these special purpose accounts, make an appointment to visit your nearest branch. When it comes to providing the services you want and need, you can count us in.
Yes! Visit AdditionFi.com/Appointment to schedule an appointment with an Addition Financial representative at the branch that’s most convenient for you.
Log into digital banking and select the applicable checking account. Select the transaction in question and ‘Inquire.’ You may also call us or come into a branch for assistance.
Log into digital banking and select the applicable credit card account. Select the transaction in question and ‘Dispute.’ To dispute a charge over the phone, call the phone number listed on the back of your credit card.
The easiest way is to log into digital banking. Select ‘Profile’ and update personal details, contact information, and primary address. You may also stop by a branch or call us to update your information.
Addition Financial has contracted with a trusted and secure contact center staffed by trained professionals who can answer calls on our behalf to avoid long wait times. The service also provides our members with after-hours support for some basic services. If the agent is unable to answer your question or complete the service you requested, they will submit a service event/ticket and an Addition Financial representative will respond to you directly.
If your address has changed since your last check order, please give us a call at 800-771-9411 and we will order the checks for you. Only use the check order online if the information has not changed since your last check order. This helps to add an extra layer of fraud protection to your account.

Bill Pay | General

If a payment has not yet processed, deactivate any scheduled payments or transactions.
First validate that the account number you have for that payee is correct by reviewing your most recent billing statement.

Before the Send Date, you can delete the payment.

  1. From the dashboard, under Scheduled Payments, find the payment you want to edit or cancel.
  2. Select the down arrow to the right of the payment amount to see all of the payment details.
  3. Select Delete Payment in red at the bottom of the payment details to cancel it.

Once the Send Date has passed, you will need to contact the payee or merchant directly to discuss how to make any payment changes.

You can place a stop payment on a check payment if the Delivery Date has not passed.

  1. From the dashboard, find the payment history section and select the check payment you want to stop.
  2. Select the down arrow to see the delivery date and confirmed it has passed. Make a note of the check number.
  3. At the very top, select on the Accounts header. Select the checking account where the money was supposed to come from on the right side of the page; there is a Stop Payment option enter the check number, amount and select submit. Note there is a fee to place the stop payment.

An electronic or payment may be edited or deleted any time before the Send Date.

  1. From the dashboard, under Scheduled Payments, find the payment you want to edit or cancel.
  2. Select the down arrow to the right of the payment amount to see all of the payment details.
  3. Edit any of the fields and select update or select Delete Payment in red at the bottom of the payment details to completely cancel the payment.
Automated Clearing House (ACH) is an electronic network for financial transactions in the United States. ACH processes large volumes of credit and debit transactions in batches. Think of it as the engine behind direct deposits and direct payments.
Check payments are debited with the payee deposits the check and the check clears.  Funds are not debited from your account when the check is sent to the payee.
Electronic payments are debited via ACH. 
No. Bill Pay only allows you to select valid Send Dates when you schedule payments.
Tax payments (such as federal income tax), payments to government entities and court-directed payments (such as alimony and child support) should not be processed through Bill Pay. We cannot research these types of payments or take any action to assist with payments to government or court agencies. In the event of an issue, the member would have no recourse or support, so we strongly discourage using Bill Pay in these cases.
Payments to anyone in the United States and its territories can be made through Bill Pay. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service, friend, or relative.

Digital Banking

Addition Financial has updated all debit card images added to a digital wallet to be the standard debit card design. You can identify the debit card in your digital wallet by the last 4 digits.
Visit your Apple or Google Play store to get it downloaded or click the icons below.

Download on the App Store

Get It On Google Play

iOS 17.5 or Android 14.0 are recommended
If you need to make a transfer, or accept a transfer, from another member that isn't on your account, you will need to establish a Member to Member transfer.  Follow these steps or watch our how-to video to get your transfer set up.

Steps to Accept a Transfer FROM Another Member
  • Select ‘Make a Transfer’ from the main menu.
  • Then, select the ‘Member to Member Accounts’ option.
  • Next, select ‘Create Code’ – you’ll provide this code to the member whose account you want to accept a transfer from.
  • Share the M2M code with the member so they can make transfers to your account.
  • Once accepted, the member will see your account as available for transfers.
Steps to Make a Transfer TO Another Member
  • Select ‘Make a Transfer’ from the main menu.
  • Then, select the ‘Member to Member Accounts’ option.
  • Next, select ‘Add Account’ and enter the M2M Code the member has provided to you and give their account a nickname.
  • Congratulations - you can transfer money to another member’s account!

Please note: You will only be able to transfer funds to the accounts of members that you’ve added in Digital Banking. Funds withdrawals, balance information and full account number information from another member’s account/s will not be available.

No.  If you have a loan payment at another financial institution, you will need to set up a Bill Pay payment or Instant Transfer (if the receiving financial institution participates in Instant Transfers). 
Business accounts have many of the same features. The only differences are that Business accounts do not have access to Skip-a-Pay, Instant Transfers or Financial Tools.
No! If you are primary or joint on a retail account and business account, you will be able to access all accounts with one log in. 
There sure is! Click here for the Business User Guide.
At this time, 'My Offers' are only available to primary account owners; therefore, joint members will not see 'My Offers' when they log into Digital Banking.

We’ve expanded our financial resources to include some new and improved tools, available from your dashboard and integrated with your account history: 

  • Savings Goal. By creating a savings goal, you can allocate funds from one account to another (i.e., checking to savings) to reach your goal by a target date. The tool measures your goal by tracking incoming and outgoing funds from that savings account.

  • Financial Health Checkup. This tool assesses your spending, debt, credit score, planning behaviors, and savings and even offers personalized recommendations.

  • Spend Forecast. This tool forecasts your spending and income obligations based on transaction history, giving you a good idea of how much money you’ll have at a certain point in the future.

  • Spending Analysis. A breakdown of your spending habits by category in a graphical format (recategorize your transactions at any time for a more refined view). This tool also compares your spending habits in the displayed time span with the previous period. You can even customize the analysis to include all of your accounts or just select ones.

  • Aggregate External Accounts. Link external accounts you own to your Digital Banking dashboard, creating a one-stop hub.

You can even customize your dashboard to prioritize which tools you’d like to use on a regular basis. Just select the pencil icon next to Dashboard and you are on your way.
Great news, all Addition Financial debit and credit cardholders are automatically enrolled for fraud text/email/call alerts.
Absolutely. You can set alerts for activity on your accounts and cards as well as notifications of suspicious activity. Get alerted when your balances dip below or go above a certain amount, when checks clear, when your loans are due, and much more. These alerts can be sent via email, text, or push notification. 
Log in to Digital Banking. Select ‘Travel Notice’ from the ellipsis more link option and follow the prompts.
Thanks for wanting to go green. Log into Digital Banking. Select ‘Documents and Statements’ from the ellipsis more link option (or the Menu option in the app). Once in ‘Documents and Statements’ toggle to ‘Online Statements only.’ You’ll now have electronic access to your account and credit card statements, tax forms, and notices, and can download or print them any time you’d like.
Log into Digital Banking. Select the applicable account, select ‘Details’ to Member Number, Routing Number 263181384, and account MICR number. 
¡Sí! Select ‘User/Profile Settings’ and select ‘Espanol.’
Glad you asked! Clicking “New” will allow you to open a new savings or certificate account. The “Connect” button allows you to connect external accounts from other financial institutions so that you can get a holistic view of your financial wellness, all within your Addition Financial Digital Banking experience.  It’s part of our new Financial Wellness Tool available in Digital Banking.

New and Connect buttons image

Please note: Connecting external accounts for the purposes of transferring money is done through the ‘Make a Transfer’ section – not through the “Connect” button on the dashboard.
That is a push notification that is sent to verify your identity when using Digital Banking on your mobile device. 

When you’re on your mobile device and logged in, you can control whether you want to use push notifications by going to Profile → Security → Authentication → Push Authentication.

Authorized Required screenshot
Yes, you can edit your dashboard to categorize, rearrange or hide your accounts from view. Click here for the “how-to” video on this simple process.
Funds deposited via remote deposit service may not be immediately available. For additional information, please refer to our Deposit Availability Policy. To view a complete list of your remote deposit status(es) and history, log in to your account, click on the Deposit option and review the History tab. Please retain all deposited checks for 60 days and then securely destroy them.
Yes. To get started with your own login, register using any member number where you’re an account holder on all the deposits and loans. Once logged in, you’ll see a personalized view of all your deposits and loans at Addition Financial across any other membership accounts you hold.
Very little, actually. The navigation is slightly different because of the different screen sizes. Otherwise, the only differences will be:

  • The ability to deposit checks from the app using your phone’s camera.
  • Facial and/or fingerprint recognition to log in on the app.
  • A quick view of your account balances without having to log in to the app.
You can take your pick between the two versions to view your accounts, transaction history, and check images, as well as schedule bill payments, transfer funds, open an account, apply for a loan, sign up for and view online statements, and even schedule in-person branch appointments.
Nope! If you have multiple Addition Financial accounts, you can easily access all of them by switching account profiles while logged in. To do this, tap or click your profile picture, then select which account you’d like to view. That's all there is to it.
Windows and Mac: Current stable versions of internet browsers (Google, Microsoft, Apple, Mozilla, etc.) Mobile App: iOS or Android version capable of supporting the newest version of our app.
No. You will need to provide an individual email address to access your profile and account information in Digital Banking.

 Yes. If you do not have an email address currently listed on your account, please contact us at 800-771-9411 to have one added. A valid email address is required to access Digital Banking.

Additionally, you will not be able to use the same email address as another member.

Yep! Visit the log in screen for Digital Banking. Select ‘Forgot your username or password?’ option and follow the prompts. Still need some help, contact us at 800-771-9411.
The Digital Banking log in box is on the homepage of the Addition Financial website, if you’re on a desktop. If you’re on a mobile device, download the Addition Financial app to log in or register as a new user.

Below is a list of required criteria to help keep your account safe and sound.

Username must:

  • Have 8–32 characters
  • Only contain letters, numbers, and the following special characters: !@#$%^&*()`~=+[]{};’:”,/?<>_\-

Password must:

  • Have 8-32 characters
  • Contain at least one letter
  • Contain at least one number
  • Only contain letters, numbers, and the following special characters: !@#$%^&*()`~=+[]{};’:”,/?<>_\-

NOTE: Usernames, first/middle/last names, common words/phrases and Addition Financial member numbers are not allowed in usernames or passwords; the Digital Banking system will reject them if any of those identifiers are attempted to be included.

Escrow Analysis

Insurance premiums are paid annually, based on the insurance carrier’s due date.
If the surplus amount is less than $50.00, the T&I portion of member’s monthly payment will be reduced by 1/12 of the surplus for the upcoming escrow period.
No. While most first-mortgages do have an escrow account, there are some that do not. The analysis is only performed on mortgages that have an escrow account established.
A shortage occurs when there is still a positive balance in the escrow account, but not enough to pay the estimated items that need to be paid during the upcoming period.
The tax & insurance portion of your payment is based solely on the property tax and insurance amounts that were paid over the preceding 12 months. The T&I portion of the payment can never be less than 1/12th of the disbursements that were made during the prior escrow period.
Yes, you may pay all or part of your shortage and/or deficiency prior to February 1st. The T&I portion of your payment will be recalculated at that time.
Property taxes are paid each year in November, prior to November 30th.
Any escrow surplus over $50.00 is refunded to the member by deposit to their savings account. Deposits will be made prior to December 31st. Note: If the mortgage is 30+ days past due, the surplus will be retained in the escrow account, and not refunded to member.
If there is a shortage and/or deficiency in the escrow account, this will be paid back over a 12-month period by increasing the T&I portion of the payment by 1/12 of the shortage and/or deficiency.
Escrow analysis statements will be mailed to members the first week in January. Escrow analysis statements will also be made available to members in online banking close to the first week in January.
An escrow analysis is performed every December (typically on the third Thursday in December).
The escrow period can vary from lender to lender. Addition Financial’s escrow period is March through February.
While all lenders are required to perform an escrow analysis annually, they are not required to collect the shortage and/or deficiency during the upcoming escrow period. Instead, they keep a running total of shortages over the life of the loan, and collect the shortage in a lump sum from your proceeds at the time you pay off the mortgage.
An account that is established to hold funds allocated for the payment of a borrower’s property taxes, insurance premiums, and similar expenses.
A negative balance in the escrow account is known as a deficiency.
The new payment will go into effect with the member’s payment that is due March 1st. 

eStatements

We retain 7 years’ worth of statements for you. That’s nearly a ream of paper that you don’t have to file, store, and dig through to find the information you need.
We truly believe you will love electronic statements. However, if you want to return to paper statements, you simply use the same process to switch back.
Absolutely.

It’s easy to switch to electronic statements.

  1. Log into Digital Banking
  2. Navigate to 'Document and Statements'
  3. Select the 'Paper Statements' toggle
  4. 'Accept & Continue' and estatements will now be made available

Just to name a few:

  • They’re free.
  • eStatements are more secure than paper because they can’t be stolen from your mailbox, or read by nosy Aunt Martha when she comes to visit.
  • They are delivered roughly four times faster than paper statements each month. You’ll usually receive notification that your statement is available for reviewing no later than the 3rd of the month.
  • They’re in color (so they’re prettier than paper) and you can zoom in and out for easy reading.
  • You control the print button.
  • Want to view a cleared check? Just click on the teeny tiny picture beside the item on your statement. You can view both sides and print a copy if needed.
  • Not one tree will be cut down to generate electronic statements.

Loan Sales & Servicing

The premium for a force-placed policy is paid from the member’s escrow account.
What is a force-placed insurance policy? A force-placed aka lender placed insurance policy covers the lenders interest in the property. It is issued when a member’s homeowners or flood insurance policy is expired or cancelled.
Who sends the force-placed insurance notices? AFR generates and mails the notices to members on our behalf. However, the notices appear as if they are sent from AFCU.
How often are homeowners and flood insurance policies paid? Both homeowners and flood insurance policies are paid annually from the member’s escrow account. (escrowed loans only)
407-893-5737
What is the Addition Financial Mortgagee Clause Addition Financial Credit Union ISAOA, ATIMA Insurance Service Center PO Box 863329 Plano, TX 75086
What is the name of my homeowner's insurance company? In FICS, look in the Tax and Insurance Schedule screen for Hazard Insurance Company. You can also obtain the policy number and expiration date in this screen.
Yes, per RESPA (Reg X), members must receive 2 written notices prior to being charged for a force-placed policy. The timing of these notices is also governed by RESPA.
Check the Expiration Date of the policy in FICS. (Tax and Insurance Schedule) In FICS, click Loan Data > Histories > View History to see when the payment was disbursed (Trans Desc will be Renewal, New Policy, etc. and the Payee will be displayed when the history item is highlighted.
If payment has been sent to the insurance company, and the check is over 30 days old, we must complete a Declaration of Lost Check form and give to Accounting. They will place a stop-pay on the check so that Servicing can re-issue payment. Accounting will place the funds in the member’s savings account in Episys. We will post back to escrow and re-disburse payment.
ISAOA: “Its successors and/or assigns” ATIMA: “As their interest may appear”
American Flood Research, Inc. – this company tracks homeowners and flood insurance policies to ensure our interest in the mortgaged property is adequately covered. When there is a lapse in coverage, they will force a lender-placed policy (aka force-placed insurance)

Locations & Services

You may open an account over the phone, in person at any branch or online.
Nearly all of our branches are open to serve you on Saturdays from 9:00 am until 1:00 pm. For a full list of our branches and hours, please see our locations page for more information.

We offer a lot for your convenience:

  • Coin counting machines
  • Money orders
  • Official checks
  • Starter checks
  • US Savings Bond Redemption
  • Notary services
  • Safe deposit boxes

To see which branches offer the services, please visit our Locations and Hours page.

Addition Financial hosts e-recycling and shredding events periodically throughout the year, so please check our events page for an upcoming shred event.

Security & Privacy

The best advice is to be cautious who you share your financial details with. When using your debit or credit card, when possible, consider using the tap and go feature or use your phone with Apple Pay or Google Pay linked to your card. The advantage to using those solutions is the merchant doesn’t get your actual card number they get an encrypted one time use token for payment keeping your cards secure in case the device itself is compromised.

Another option that is available in digital banking: card controls. These allow you to lock and unlock your Addition Financial cards right from your phone or computer. For extra security, keep your card locked, and simply unlock it temporarily while making a transaction.

For more ways to protect yourself again fraud visit AdditionFi.com/PreventFraud.

Our Digital Banking provides a hardened platform that protects the security and confidentiality of our financial systems data using formal risk, cybersecurity, and vendor management programs coupled with strong policies and procedures aligned to regulatory compliance guidance from FFIEC, GLBA, and Prudential Regulators. Our platform is built using advanced technical controls, including strong encryption for data at rest and in transit, configurable role-based security, and principles of least privilege throughout our application and infrastructure.

Our security controls are aligned to industry best practices such as SOC 2 SysTrust, PCI DSS, and CIS Critical Security Controls and leverage advanced threat intelligence feeds and machine learning technologies to detect and protect against threats. We have built this so it can evolve with the changes that happen, as they happen, to ensure our members safety.

If you call us, we’ll ask for information for verification purposes. However, Addition Financial does not make outbound calls from our 800 number and if we call you, we will never ask you for:

  • Personal Identification Number (PIN).
  • Full SSN (though we may ask for it when you call us).
  • Three-digit code (CVV) on the back of your card.
  • Full Credit or Debit card number
  • Online Banking login or password
  • Texted Code

If you’re ever unsure you’re speaking with an Addition Financial representative, hang up and call us directly at 800-771-9411.

Sure, in addition to our Multi Factor Authentication option we also give our members the option to link their account to a random code authenticator that they install on their device. We Utilize the Google Authenticator and walk members how to add this option within the security option of the profile.

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