A2A Transfers

A2A is a new feature that AHCU offers. It allows you to make transfers between your accounts from one bank to another. To set up this feature, simply complete an A2A Authorization form and submit to your AHCU representative.

The A2A authorization form can be found in our Forms & Resources tab.

Please send all A2A requests ATTN: Denise Kennedy. You may send via:
Fax– (407) 303-0923
Mail– AdventHealth Credit Union
115 Boston Ave, Suite 2400
Altamonte Springs, FL 32701

Or hand it to one our Member Service Representative at any of our branch locations.

No, generally, it may take 2 – 3 days before the deposit shows in your account.

Limits are set n an individual basis. Contact us for details.

Account Status

Accounts are flagged as inactive when the account has no member activity for one year.

Accounts are flagged as inactive when the account has no member activity for one year. Inactive accounts with a balance less than $1000 are subject to a service charge at the end of each month.

ACH/Direct Deposit

Simply complete the ACH Dispute form and submit. You may send as follows.
Fax- (407) 303-0923
Mail- AdventHealth Credit Union
601 E Rollins Street
Box 104
Orlando, FL 32803

Simply provide the following information to your employer to set up your Direct Deposit. Print a fillable Direct Deposit form.

Direct Deposit can take up to 2-3 pay periods. The advantage of Direct Deposit is that you can change this with your employer at anytime.

Yes. Automatic Fund Transfers (AFT) can be set up online when you log in to your account or you may contact us.

  • Electronic deposits sent will not be received or posted to your account on days not considered a “business day” (i.e. Saturday, Sunday, Federal Holiday).
  • Typically, the employer processing your electronic deposit will provide an “effective date” that your deposit will be received and posted. Please contact your employer to determine the effective date used.

It is a common myth that direct deposits “hit your account at midnight”. Direct deposits are actually posted to your account by 9 am the morning the funds are expected, except in situations beyond our control.

ACH withdrawals can post at any time throughout the day so it is important to have the funds available in your account before authorizing an ACH payment.

  • Regulation D (Reg-D) is defined as a transaction that is done when a member is not present at a branch or ATM location. This regulation limits you to six Reg-D transactions per month per MEMBERSHIP SAVINGS account. There are no limits for in person transfers, withdrawals, ATM withdrawals.
  • Reg-D transactions include:
    CuTalk transfers and withdrawals,
    Online transfers through ITSME247 (ONLINE BANKING)
    Overdraft protection transfers
    Phone transfers
    ACH withdrawals (Preauthorized debits).

The routing and transit number (or ABA) is 263181287. This number can be used for all electronic transactions including direct deposit and automatic withdrawals.

As our financial lives move faster than ever before, individuals, corporations and businesses want payments faster. To that end the financial services industry has been working to modernize the systems that allow deposits and payments to move at a faster pace. As one part of this improvement, beginning on Friday, Sept. 15, certain electronic payments may post to your accounts the same day they are made.

As part of an effort to improve and modernize the U.S. payments system, some electronic payments may be debited from your account earlier than usual. Beginning on Friday, Sept. 15, 2017, electronic debit payments may be deducted from your account the same day you purchase items online using your debit card or your account number, schedule online bill pay, or make a payment by phone.

Many merchants and billing companies may offer you the option to make a same-day electronic payment, such as to pay a bill or to transfer funds. If you agree, then the funds might be debited from your account as soon as that very same day. For example, if you have a bill due on the 25th of the month, the billing company might allow you to call or use its website on the morning of the 25th to make an on-time payment, and have the funds debited from your account on the 25th (the same day). Payments may be debited from your account on the day of the transaction even if billing companies and merchants didn’t inform you.

1. When you authorize a merchant or biller to debit your account at AHCU, your account may be debited the same-day.
2. If you have pre-authorized an electronic payment, such as a recurring mortgage or insurance payment, then it’s likely there will be no change to the time these payments are posted to your account.
3. You should always have sufficient funds in your account at the time transactions are being made, authorized, or initiated.
4. You should review your account frequently.


The maximum amount you may withdraw from an ATM using a AdventHealth Credit Union Visa Debit Card is $600 within a 24-hour period.

To report a lost or stolen Visa Debit Card please call 800 528-2273.

Members can withdraw from any AdventHealth Credit Union, Publix Presto, WAWA, CU24 or CU Here ATMs without a fee. Locate a surcharge free ATM.

There is no limit for AdventHealth Credit Union ATMs. However, if you are using a NON-AHCU ATM, there may be a deposit limit.

Yes, all deposits made via the ATM are subjected to AHCU’s standard hold policy.

Auto Loans

Rates on new or used auto loans are determined by a number of factors. This includes credit worthiness, length of employment and income.

The method of computing interest on a principle sum where the interest rate is applied only to the original amount. When a loan payment is made on a loan, the interest due since the last payment will be paid first. The difference will go directly towards principle. On a Simple Interest loan there are no pre-payment penalties.

You may login to your account via online banking, or call our 24hr audio response system (ITSME247) twenty four hours a day, seven days a week and view your account. If you prefer to speak with a representative, call us at (407) 303-1527.

CuTalk (Automated Telephone Access)

  • AHCU’s automated telephone banking system is called ITSME247- CU Talk. It is a free service, which lets you access to your account 24 Hours A Day via your phone at your convenience!
  • All you need to use CU*Talk is a touch-tone phone and your Personal Identification Number (PIN)
  • You can get the current account balance of any of your AHCU Accounts
  • Transfer funds from one account to another or make a loan payment
  • Find out if checks written against your account have cleared
  • Get a list of recent transactions
  • Obtain current dividend and rate information

To use our ITSME247 free telephone banking service just call 1-866-303-9596

Visa Debit Cards

You are able to use your card anywhere a VISA symbol is posted, including all Publix Presto! WAWA or CU24/CU Here ATMs

Yes. As long as you never give out your PIN, your card will be secure.

You’ll save money by reducing the amount of checks you have to purchase.

No, AHCU does not charge an annual fee for our VISA DEBIT card.

Not all transactions post immediately, so keep good records of all transactions. You can also access your accounts 24/7 via online banking, CuTalk, Member Services at (407) 303-1527, or visit any branch location.

Holds are placed for up to 72 hours (3 days.)

Yes, AdventHealth Credit Union will only hold a DEBIT item up to 72 hours. If a merchant does not send the DEBIT item in within those 3 days AdventHealth Credit Union must release the funds. Once received, AdventHealth Credit Union pays the item regardless of the balance at the time the item is paid.

No, stop payments can not be placed on DEBIT items.

To report a lost or stolen Visa Debit Card please call 800-528-2273.

To dispute a debit card transaction, simple call us at 1-800-808-6402.

The maximum amount you may withdraw from an ATM using a AdventHealth Credit Union Visa Debit Card is $600 within a 24-hour period.

Yes. To request an increase in your card limit, call: (407) 303-1527 option 2, or download the fillable DEBIT CARD LIMIT INCREASE form, and send via email: FH.CREDIT.UNION@ADVENTHEALTH.COM or fax: (407) 303-0923.

Yes. Visa signature authorizations will be limited to $1,000 in transaction authorizations per calendar day. This applies to all signature-based transactions only. Our PIN based transaction limit remains at $600 daily.

A new card will automatically be sent to the mailing address listed on your account. Your existing card will be valid until the last day of the expiration month.

Your new card will arrive within 5-7 business days.

Yes. You may re-order a new card via email:, call: 407-303-1527 Option 2 or visit a Branch. A reorder fee may apply.

To obtain a new PIN, or to reset your existing PIN, call 877-267-6914.

If your card is locked due to incorrect PIN tries, call 866-664-6848 for assistance.

Yes! After the checking account is added we will make the update internally so you can begin accessing both accounts with the same card almost immediately!

Yes! You may use your Savings-Debit card for purchases using your PIN. Signature purchases are not permitted on this account. Keep in mind that REG D stipulations apply to all saving accounts transactions.

The most important reason to have a checking account to make purchases in lieu of a savings account is REG D. Regulation D (Reg-D) can be defined as any withdrawal or transfer that is not done at a teller station or ATM. Savings account withdrawals are limited to six Reg-D transactions per month, per MEMBERSHIP SAVINGS account.

Certificates of Deposit

If the certificate dividends are added to the balance of the CD each month, at the end of one year you will receive the higher APY. If the certificate is shorter than one year, you will earn a portion of the APY. The APY is automatically calculated.

Yes, a penalty will be imposed for the certificate withdrawals made prior to maturity. This penalty will result in reduction of principal, if the accrued interest is not sufficient to cover the penalty. If you request us to pay a Certificate of Deposit before any maturity date, and we consent to such early withdrawal for any reason, other than death or mental incompetence, you will pay an early withdrawal penalty equal to:

Terms of 12 months or less 30 days’ interest

Terms of 24 months or less 60 days’ interest

Terms of 36 months or less 90 days’ interest

You may request us to pay a Certificate within ten (10) days of any renewal date without penalty. We may at our option, either transfer all funds represented by the Certificate to any regular share account of yours, or pay all funds represented by the Certificate directly to you.

Interest is calculated by applying a daily period rate to the balance in the account each day. Interest begins to accrue from the date of deposit. Interest is compounded daily and credited monthly. All interest credited may be withdrawn at any time without penalty; however, withdrawals may reduce earnings. The Annual Percentage Yield disclosed on the Truth-In-Savings Disclosure assumes interest remains on deposit until maturity.

Check Holds

There are many reasons why a hold might be placed on a deposit. Holds are often placed on unusual checks, deposits for large amounts, and any deposit that could be a risk to the member and/or the credit union. Check holds are left to the discretion of the employee accepting the deposit and their supervisors. Our standard check deposit hold is 2 business days (this includes ATM deposits). Checks over $3000.00 may be held up to 5 business days.

Credit Card

The grace period for purchases is 25 days.

If you are ten (10) or more days late in making a payment you will be assessed a $25 late charge.  

The minimum payment is 2% of your total new balance or $20, whichever is greater, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit.

The due date is the last day of each month on all AHCU credit cards.

You may request an increase by calling us at (407) 303-1527 Option 2 or simply submit your Visa Credit Card Limit Increase form via email or fax: FH.CREDIT.UNION@ADVENTHEALTH.COM or fax to (407) 303-0923.

It depends on the new limit that you qualify for. Upgrades from Classic to Platinum will result in a new card issue.

Within 24-48 business hours. If you have a card upgrade, you will be able to access the new limit within that time with the card you currently have, while waiting on your new card.

To report your card lost/stolen call (800) 528-2273

To activate your card call (866) 619-0245

Yes. Once the minimum monthly amount is taken the remainder goes to the principal (which reduces the balance). The minimum balance is still due the following month.

AdventHealth Credit Union- 601 E. Rollins St. Box 104 Orlando, FL 32803

Call (800) 808-6402 for credit card disputes.

Unfortunately, you must request a new card at the time of reporting the fraud. Your new card will have a new number. Previous charges prior to the fraud will be transferred to the new card.

It varies. For instance, charges that are contested by the merchant usually take a longer time to be resolved.

Credit Disputes

You can dispute a report through a credit reporting agency or submit a signed letter in writing to the credit union stating what you are disputing. Below are the agency that you may dispute through:

Decedent Procedures

Yes. In addition the copy must be certified.

No, the account can remain open as long as a personal representative is working with the account.

Anytime, although it is recommended to leave the name on the account for at least 1 year, for tax reporting purposes, and to negotiate any other checks that may come in.

You will need to contact each company sending in a deposit to notify the originating companies.

AdventHealth Credit Union does not notify anyone in this instance. The credit union must wait for the Payable on Death representative to come forward.

None. Once the credit union receives the Death Certificate, proof of beneficiaries and/or a Letter of Administration, changes can be made to the account.

Certified copy of Death Certificate and documentation from the party closing the account indicating they have the right to take such action.

Yes. This is why the credit union advises leaving the name on the account for 1 year after death.

The credit union will need a certified copy of the Death Certificate with the cause of death showing. If no insurance is on the loan account, you may still send the death certificate to the Credit Union to file a statement of claim to the estate.

Please contact the IRS to request a reissue of the check for the benefit of the children. You may need to have (court) documentation that you are the temporary guardian of the children. If you call the local IRS Office, they should provide some assistance.

Gift Cards

  • Yes, the minimum amount that can be purchased is $10.00, and the maximum is $1000.00
  • Yes, our gift cards are $3.00 each. See below for other fees that may apply.
  • Unfortunately, our gift cards are not reloadable.
  • To report your gift card lost call customer service at 1-866-833-2370.

It’s Me 247 (Bill Pay)

For Bill Pay inquiries, contact our member service department at 407-303-1527or stop by your local branch. 

We have two ways of communication with our enhanced system.

We have two ways of communication with our enhanced system.

EMAIL NOTIFICATION: You will receive an email notification from our bill pay system. The communication will be sent by We encourage that you add this email address to your address book to ensure that it is correctly delivered to your inbox.

ONLINE BANKING NOTIFICATION: It’sMe247 will display the same communication within the bill pay message center.

If you have been thinking about enrolling in AHCU’s Bill Pay service (ITSME247 BILL PAY) we recommend enrolling as soon as possible, so you can enjoy our upgraded system.

ELECTRONIC PAYEE: Merchant allows payments to be processed electronically.
(Processing Time: 1-2 Business Days) 

PAPER CHECK PAYEE: Merchant will receive a physical check in the mail delivered by the United States Postal System (USPS). 
(Processing Time: 7 Business Days) 

MANAGED PAYEE: The bill pay vendor and the payee have established a relationship to better deliver payments on behalf of the member. The payment address is not displayed to member because the information is considered proprietary information to the vendor. 

RECURRING PAYMENTS: User-defined request for automatic payments for a specific payee. The member will define the payment amount, frequency, start date, and end date. 

EBILL: Payment (bill) information will display within your Bill pay Dashboard. This information will provide you with the important items such as Payment Date, Amount Due, and Available Balance (if applicable). 

If you have been thinking about enrolling in ITSME247 BILL PAY we recommend enrolling as soon as possible, so you can enjoy our upgraded system.

If you are getting an error message like the one shown below, you most likely do not have a checking account. Remember, our FREE Bill Pay service is only available with a AHCU checking account. What are you waiting for? Open one now!

It’s Me 247 (Online Banking)

The Loan “Rate Board” shows current rate and product information for your credit union’s loan accounts.

To view more information about a particular loan, click on the description in the first column. A page will appear with important details about the benefits of this account and miscellaneous instructions from the credit union. (To return to the Rate Board, click the Back button at the bottom of that page.)

To apply for a loan, click the Apply Online link for that loan product.

If you do not see the Apply Online link for the loan in which you are interested, an application cannot be submitted on line for that particular loan. Click the description to find out more details and instructions from the credit union on how to apply for that type of loan.

You might also want to use Contact Us to ask a credit union lending representative to contact you directly.

Enjoy the benefits of ownership! If you aren’t a member of the credit union yet, you can click the “Apply for Membership” button on the login page and complete a membership application online. The application will be submitted directly to the credit union’s computer system for prompt consideration.

While working on these pages, remember always to use the “Move to Next Step” and “Go Back to Previous Step” buttons at the bottom of the page to navigate. Do NOT use your browser’s Back or Forward buttons.

Membership applications will be unavailable for a brief period overnight while routine daily maintenance is done.
Step 1: Applicant’s Information
Use this first page to enter information about yourself, including your name, Social Security number, address and other details. Notice that items marked with an asterisk (*) are required.

Once that is completed, click “Move on To the Next Step” at the bottom of the page. At this point a drop-down list will allow you to select the Number of Joint Applicants drop-down.

If you would like your spouse, family member, or other individual to be listed as a joint owner on your membership, be sure to choose either 1 or 2 in “Number of Joint Applicants.” When you click “Move on To the Next Step,” the setting in this box will cause online banking to display either one or two additional application pages for information about each joint owner.

The credit union uses your Mother’s Maiden Name as a security feature to help control access to your account.

When all details are complete, click “Move on To the Next Step” at the bottom of the page to proceed.
Step 2: Joint Owner 1 Information
If you selected 1 in “Number of Joint Applicants,” a second page will be displayed to allow you to enter name, SSN, and address information about the first joint owner. (If you did not select any joint owners, you will proceed directly to Step 4: Verify Membership Information instead.)

When all details are complete, click “Move on To the Next Step” at the bottom of the page to proceed.
Step 3: Joint Owner 2 Information
If you selected 2 in “Number of Joint Applicants,” another page will be displayed to allow you to enter name, SSN, and address information about the second joint owner. (If you selected only one joint owner, you will proceed directly to Step 4: Verify Membership Information instead.)

When all details are complete, click “Move on To the Next Step” at the bottom of the page to proceed.
Step 4: Verify Membership Information
This page displays all of the information that was entered on the previous application pages. Be sure to review every detail carefully. Use “Go Back to Previous Step” at the bottom of the screen (not your browser’s Back button) if you need to make any changes or corrections. Then click “Move on To the Next Step” to return to this confirmation page.)

When you are sure everything is correct, click “Move on To the Next Step” at the bottom of the page to proceed.

Step 5: Submit Your Application
To authorize the information is correct and to submit your application, click ” Accept.” This will submit your application directly to your credit union’s computer system.

Step 6: You’re Done!
After the application has been successfully transmitted to the credit union, the final page will appear. Use your browser’s Print button to print a copy of the complete application for your records.

To exit, click Finish. You will be returned to the online banking Login screen. You may close your browser.

How to Download account details to Intuit Quicken?

The Account Downloads feature lets you select a batch of account transactions and create a special file that can be read by popular personal financial management software or a spreadsheet application such as Microsoft Excel. Choose an account from the drop-down list, select a range of dates and a file format, then click the Download selected file format button to proceed.

You can choose to launch the application and begin importing immediately, or save the file and import it manually later on in your chosen software application.
Supported File Formats:
Microsoft Money 99 (creates a *.OFX file)
Intuit Quicken version 2010 and 2013 (creates a *.QIF file)

Quicken version 2006 and higher (.QFX format) and QuickBooks (.QBO format) require special license fees to use a proprietary file format. Contact the credit union if you are interested in having this feature activated

This procedure simply creates a file using a special format that can be read by the Money software. You must have either MS Money or Intuit Quicken in order to use the file created by this procedure.

You can also download you account data to a comma separated value format for use with a spreadsheet application such as Microsoft Excel.

Have questions about your money management software? Check out the helpful links at the bottom of the page. Note: Clicking on any of these links will log you out of It’s Me 247 and close your online banking session.

The “Stop Payment” feature will place a stop payment order on a specific check or range of check numbers (such as if your checkbook was lost or stolen). There may be a fee for this service. Refer to your credit union’s fee schedule for details.

If you do not see the Check Stop Payment option, contact your credit union and ask for it to be enabled. (Remember you can use Contact Us to ask a credit union member service representative to contact you!)

Start by choosing the checking account from the drop-down list. Then enter the starting and ending check number for the check(s) to be stopped. If you only need to stop payment on one check, enter the same number in both boxes. (It is not necessary to enter leading zeros; 123 is the same as 0123.) Then click the Stop the payment button.

If one or more of the checks has already been cleared, you will see the following message: The requested check has already cleared.

A confirmation page will appear showing the account suffix and the range of check numbers entered. To complete the stop payment order, click the Looks good, continue button. A confirmation message will appear showing the check number(s) you entered.

This feature is designed to allow you to view the personal information the credit union currently has on file about you, and to notify the credit union when your address, phone number, fax number, or email address needs to be changed. You can also change your code word (that is used ONLY by the credit union to verify your identity at the teller line) in this location.

Use these steps to update your personal information:

On the first page, you will see the information the credit union has about you currently on file. If changes are needed, click the Edit My Information button at the bottom of the page.

The second page lets you make changes to address information, phone or fax numbers, and email address. (Click here for tips on making corrections.)

If your new address is not a U.S. address (Puerto Rico and the U.S. Virgin Islands are considered U.S. addresses), click Foreign Addrss. The field labels will change slightly so that you can see how to enter the address properly. Abbreviate as needed to make everything fit. Because foreign phone numbers use so many different formats, you may not be able to enter your foreign phone number on this screen. Contact the credit union for help.

When the necessary changes have been made, click the Update My Information button at the bottom of the page.

You will then see a final “Personal Information Change Complete” message.

Remember that if the message reads “Changes will be made after being reviewed by a credit union employee,” you will not see the change if you click the Your Personal Information button again right away. Please wait a day or two before checking to see if the change was made. Contact the credit union directly if you have any concerns.

Tips for making corrections:
Click the mouse “i-beam” to place the cursor within one of the boxed fields. Type new text, or use the Delete or Backspace keys to delete individual characters.

To delete or replace a block of text, click and drag the mouse across the text to highlight it, then type new text or use the Delete key to clear the text.

To quickly access the Account Summary from any page, click at the top of the page.

Click on any account suffix to view information about that account. For a savings or checking account, you’ll see the Account Details page showing transactions. For a certificate or loan, you’ll see some information about the account first (such as maturity date for a certificate, or amount due for a loan), then you can click a link to proceed to the Account Details transaction list.

To return to this page from other areas in online banking, click the It’s Me 247 logo in the upper left corner of the screen.

Available Balance vs. Actual Balance
For savings, checking and certificate accounts, the “Available Balance” is the amount currently available for withdrawal from the account. The “Actual Balance” is the total amount on deposit in the account. These amounts could be different under certain circumstances, such as:

If a temporary hold was placed on a check you recently deposited;
If withdrawals are not allowed from the account until a maturity date (such as for a certificate), or due to other restrictions;
If funds have been secured as collateral on a loan;
If you have made a purchase with your debit card and funds are being held until the transaction is posted (remember that some merchants hold funds in an amount different from the actual purchase amount)
Or for another reason according to your credit union’s policies and account servicing procedures. Please contact the credit union if you have any questions about the availability of funds from your accounts.

Special note regarding credit card accounts: If you have paid extra money into your credit card account in order to temporarily increase the credit limit, then the summary will show your Balance as if it were a negative amount, like this: ($500.00). When you click on the account description to see more details about the account then you’ll be able to see how this overpayment affects the funds that are available on your account.

Remember, you can use Contact Us to request a credit union representative to call or email you!

Regular Payment vs. Amount Due
For loan accounts, the “Regular Payment” is your normal scheduled payment amount. The “Amount Due” is the amount that is owed on or before the “Date Due” shown. This amount may be different from the regular payment if your payment is past due, or if you have already paid part of your next payment (where allowed).

The “Balance” represents the total balance owed on the loan as of today.

For a current payoff amount, including all outstanding interest due as of today, click the account name to view the Loan Information page. Remember that if you want to mail a check to the credit union to pay off the loan, you should contact the credit union directly for the exact payoff amount taking into account any additional days of interest as appropriate.

The top section of this page (Active Accounts) shows all of the accounts that are currently open under this membership, with the amount of dividends or interest paid for the current year as well as last year.

If you closed an account at some point last year, dividends or interest paid for that account will be included in the bottom section (Accounts Closed). This section shows dividends or interest information for accounts closed during the previous year.

Remember that if you have more than one membership, the Dividends/Interest figures in these two sections include data for only for the membership you are currently viewing in online banking.

Previous Year IRS Info
The bottom section of the page shows the total amount of dividends, mortgage interest, and redeemed savings bond interest reportable to the IRS for the previous tax year.

IMPORTANT: Because tax information is reported according to Social Security number, this will include all of the accounts under your SSN, even if you have more than one membership.

If you opened your account during the current year, there will be no previous-year tax information on file for your SSN.

Use this page to sign up to receive your credit union account statements electronically through online banking. E-Statements give you access to up to 12 months’ worth of account statements, so that you can view, print, or even save them to your local computer if you wish.

Choose the enrollment option you wish from the list at the bottom of the page (if availlable). Enter your email address, then click Accept. You can immediately view your statements now, or return to online banking at a later time and click My Documents, the Continue to eStatements.

Your eStatement will be viewed in the online banking software. You can still view your eStatement in a separate window, if you want to view it while viewing their transaction history, for example. Just select “My Documents” and then “eStatements.” On the subsequent window where you select to “Continue to eStatements”, use your Internet browser software to open that link in a new window, usually by right-clicking and choosing that option from the pop-up menu

A notification email will be sent to you each month or quarter (depending on when you would normally receive your account statement). For security reasons, the statement itself will not be attached to the email; you must log in to online banking using your account number and password to view statements from our secure server.

If you have already signed up for e-Statements, use Info Center and then eStatement Options to change the enrollment option you’ve selected (if available), or to un-enroll completely so that you will begin receiving your statement via the regular mail again as before.

Interest & Dividend Calculation

Dividend rates on your Main Share account are set by our Board of Directors. Certificate of Deposits (CD) and Money Market rates may change at any point. All other share account rates may change monthly.

The government’s Truth-In-Savings Regulations requires financial institutions to disclose information on rate, APR and APY on interest-bearing accounts: Rate provides a calculation of how much dividends will be earned if the principal amount does not increase (i.e. dividends are not added to the initial principal). Annual percentage yield (APY) is a rate that reflects the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365-day period.

The amount of interest you earned for the past year can be found on your December statement.

If you earned less than $10 in interest for the year it is not reported to the IRS and therefore you will not receive Tax Form 1099.

LoansApply Now

AHCU is your full service Credit Union. We offer the following types of loans.
Automobile loans- This includes Motorcycle, RVs and boats. We offer financing options for New & Used purchases or refinancing.
Personal loans- Anything from home improvement to debt consolidation.
Secured loans- This includes share secured, or a cash out against lien free titles.
HELOC- Home Equity Lines of Credit
Mortgages- This includes purchases and refinances.

To apply for a loan, simply log in to your online banking account and complete an application there or apply for a loan online. You may also download the Loan Application form. Then complete the loan application form and email to or fax to (407) 303-0923.

  • AHCU has many options available to help you make your payments fast and convenient.
  • Set up a recurring Bill Pay, by logging in to your online banking
  • Enroll in our free A2A transfers
  • Mobile Check Deposit
  • Mail payments to: AdventHealth Credit Union
                                     601 E Rollins St. Box #104
                                     Orlando, FL 32803
  • Contact your AHCU representative to set up an (AFT) Automatic Funds Transfer
  • Make a payment online.

Manage My Card

Manage My Cards is a new feature available on our App. It that allows you to take control of your AHCU Visa Debit Card.

Simply download the AdventHealth Credit Union App, tap on MORE and select the Manage My Cards option!

No, at this time only your AHCU Debit card is available on the Manage My Cards feature.

Member Services

We provide our members with a convenient method of obtaining information and credit union services. There are four main methods of serving our members.

  • In person or at any branch
  • Email us at
  • Call us: (407)303-1527
  • Fax: (407) 303-0921
  • Mail: AdventHealth Credit Union
    115 Boston Ave. Ste. 2400
    Altamonte Springs, FL 32701

Login to your account and update your address! You may also, email or fax your address change instructions to us!

Mail payments or deposits to:
AdventHealth Credit Union
601 E Rollins Street
Box 104
Orlando, FL 32803

To facilitate a name change on your account, the credit union will need to obtain copies of all the legal documentation for the name change. In addition, an updated membership application will need to be signed with a contact information form. Please call (407) 303-1527 or visit any branch location for assistance.

Membership Eligibility

  • Yes. Immediate family members are eligible wherever they live.

Yes, you will need to present your SS card or a current pay stub with the correct SSN.

  • So long as you do not close your accounts, you will be able to remain a member of AdventHealth Credit Union. If you close all of your accounts, and wish to open a new one, then you will need to meet the eligibility requirements at that time.

Mobile Check Deposits

Allows you to take a picture of your check (front and back), and deposit it to your AHCU account.

Go to the Google play or ITunes store, search for AdventHealth Credit Union Mobile and download the App.

Typically, your deposit should be posted within a few hours.

The hold period may vary, depending on the dollar amount of the check, and quality of the check image (the picture of the check).

Yes, generally, the limit is $10,000 per day with up to $25,000 per calendar month. Limits will vary for new members.

Yes, only 5 checks per day may be deposited using the App.

Money Orders

$1000.00 – If you need a higher amount an official check will have to be issued or multiple money orders will be needed. There is a fee for each money order or official check issued.

  • The check will be good for 90 days.
  • The cost of processing and maintaining these types of checks is an expense which must be covered by the fee.
  • If you purchase an official check it must be made payable to someone, however, you may purchase a money order and fill it out yourself.
  • If you don’t use the check, you may bring it back and redeposit it to your account.

Opening Accounts

There is no cost to open the account, however, there is a minimum deposit required to open a new account of $5.00. This is deposited into your primary savings account and placed on a permanent hold unless you close your account.

The routing and transit number (or ABA) is 263181287. This number can be used for all electronic transactions including direct deposit and automatic withdrawals.

  • There are many similarities and differences between credit unions and banks. These qualities may not be readily apparent because both types of businesses are part of the financial industry, offer similar products, and are federally insured.

    One of the main differences is that credit unions are democratic cooperatives and are non-profit organizations. The Board of Directors for credit unions are comprised of volunteers. Banks are for-profit organizations. The Board of Directors for banks are generally comprised of the majority shareholders.

    The benefit for members of credit unions is that the more people that participate in a credit union, the more benefits the individual member can receive. This also means that each member must pay their fair share for services. Banks will charge fees to earn a profit. Credit Unions charge fees to cover the expenses of doing business. That’s why, in many cases, there are lower and fewer fees, and better rates at credit unions. AdventHealth Credit Union also does not hide fees or charge them unexpectedly. All of our fees are published and can be found on our website.

    Credit Unions are also all about “People Helping People.” You’ll find that good service values and a strong sense of ethics is the backbone of most credit unions. When AdventHealth Credit Union offers or sells products to members, the goal isn’t to make a profit, or take advantage of someone. Member Service Representatives at AdventHealth Credit Union are trained to offer products and services that will benefit our members. They do this by listening to the member and focusing on providing the best possible solutions.

    If you are deciding between a joining a bank or AdventHealth Credit Union, it is a good idea to compare the services and qualities of each financial institution that will best suit your needs. An excellent source to do so is to use our website, Advent Health.

P2P (Pay Anyone)

P2P or Pay Anyone, is a free service that allows you to pay anyone almost instantly from your mobile device!

Yes. The current limit is $2,500.00

If you haven’t already done so, go to the Google play or iTunes store, search for AdventHealth Credit Union Mobile and download the App. Once you’re logged in to your AHCU account via the mobile device, tap MY ACCOUNTS then tap the PAY & TRANSFER drop down menu. Select PAY ANYONE from the menu and follow the prompts on your screen. Be sure to give your receiver the code word to successful retrieve his/her funds.

Once the other party accepts receipt of the funds, it’s generally 24-48 hours for the funds to show on his/her account.

Personal Checks

Personal Loans

Qualifications for personal loans are based on a member’s ability to repay, their length on job, as well as past and current credit.

$500 minimum and $20,000 maximum.

Depending on credit the max can be 55%.

Routing #

  • Our routing number is 263181287. Please note that this is not the routing number to be used for outgoing wire transfers.

Share Accounts

A Credit Union is a financial cooperative organized by people who share a common bond. Members pool their assets to assist others in their cooperative. At AdventHealth Credit Union our Board of Directors published rules in our by-laws that every member must have a savings (share) account with at least five shares ($5.00) making you a member of AHCU for life. This $5 deposit gives you the opportunity to have other services with AHCU including Checking accounts, loans, and credit cards.

Fees are dependent upon the services which are used. Many of our products and services are free to members. View our fee schedule.

Share is a Credit Union term. It is a given amount of money a person deposits with a Credit Union to become a member, which confers ownership rights, has a stated par value and pays dividends. Years ago the banking industry prevented Credit Unions from using the terms savings and checking. Credit Unions used the terms “share” for savings and “share draft” for checking. A share account is the basic savings plan of the Credit Union.

No. Any funds above the required $5.00 in savings are available for overdraft protection for items attempting to clear your checking account however the minimum $5.00 will remain on hold.

Stop Payments

  • You may place a stop payment via email, visiting a branch or calling Member Services at 407-303-1527.
  • You may place a stop payment for an ACH item via email, visiting a branch or calling Member Services at 407-303-1527.

Transfer Limits/Regulation D

Regulation D (Reg-D) is defined as a transaction that is done without a member present at a branch or ATM location. The categories of transactions for which a Regulation D Fee may be imposed are: CuTalk transfers and withdrawals, online transfers, overdraft protection transfers, transfers done over the phone with a member service representative, and ACH withdrawals. This regulation limits you to six Reg-D transactions per month from each share savings account. Savings accounts are any interest bearing account including Primary Savings (Share), Money Market and Christmas Club accounts. Transfers exceeding the Regulation D limit is $10 per transfer.

Wire Transfers

  • For all incoming wire transfers, please provide your financial institution with the following instructions to ensure your account is credited correctly and in a timely manner.
    Corporate America Credit Union
    Routing Number: 262090120
    4365 Crescent Road
    Irondale, AL 35210
  • For Further Credit To:
    Routing Number 263181287
    AdventHealth Credit Union
  • For Final Credit to: Account holder name and account number

The amount of time varies on many factors. Wires may take up to 24 hours for domestic (within the U.S.A.) transactions. The receiving institution may not post wires after a particular time. International wires may take days or weeks to reach their destination.

Wire transfers are sent out between 9 a.m. and 12 p.m. Monday through Fridays. Incoming wires are received until the end of the business day. Wires may be delayed till the following business day depending on when it was received. Wires cannot be received or sent on any Federal Holidays because the Federal Reserve is closed.

Depending on the time of receipt AdventHealth Credit Union posts wire transfers the same day of receiving them. Wires may be delayed till the following business day if received to late in the afternoon. Funds are immediately available on wire transfer deposits.

For outgoing wire transfers please complete the Wire Transfer Form and submit to your Credit Union representative.