Arkansas federal credit union mobile deposit funds availability

Q: Does Arkansas Federal Credit Union have Zelle?

We have partnered with Zelle® to bring you a fast, safe and easy way to send and receive money with friends, family and other people you trust. Zelle® is available right from online and mobile banking so you dont need to download anything new to start sending and receiving money!

Want to earn more on your checking account? You could with Arkansas Federal Credit Union’s Premium Checking account! Experience the difference and earn a competitive rate on your checking account.

Table of Contents Show

What’s New
Ratings and Reviews
My Account
Tough to read and understand
All good except for the check deposit feature.
App Privacy
Data Linked to You
Data Not Linked to You
Information
More By This Developer
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Are mobile deposit funds available immediately?
Does Arkansas Federal Credit Union have Zelle?
How long will my mobile deposit be on hold?
Do mobile deposits clear same day?

Plus, you can enjoy getting your direct deposit up to two days early,1 have access to 24/7 card control, digital banking and so much more.

Account holders can also take advantage of Arkansas Federal’s Cents to Savings program, which rounds up your debit card purchases to the nearest dollar and sends the difference to your savings.

Premium Checking Also Includes:

Access to online and mobile banking to check your balances, transfer funds and more
Turn your card on and off, set spending limits, and receive alerts with Card Defend
View your credit score, monitor activity, and learn what impacts your score with Credit IQ
Online bill pay

Access to e-Statements, e-Notices, and e-Alerts
Get your pay safely and conveniently using Direct Deposit

Direct deposit and earlier availability of funds in your Arkansas Federal account are subject to your employer/payer, or benefit providers’ funding. Actual payment dates may vary.

Federally insured by NCUA. Membership with Arkansas Federal is required.

Bank securely from anywhere with the Arkansas Federal Credit Union app. Manage all of your accounts: monitor your credit score, budget and track spending, send and receive money, deposit checks, apply for loans, and more!

Fast Account Access
-Log in quickly using biometrics or your password
-Enable Snapshot to view your account balances without logging in

Manage Accounts
-Review activity in all of your accounts: checking, savings, home, auto, and more
-Deposit checks with ease using your phone/tablet camera*
-View account balances, summary, and transaction history
-Decide when, where and how your debit or credit card is used with Card Defend

Make Transfers and Payments
-Send and receive money with Zelle®*
-Schedule and edit bill payments
-Transfer money between your accounts and other financial institutions
-Securely send money to other member accounts

Credit IQ
-Access your daily credit score and monthly credit report for free
-Help shield yourself from identity fraud with credit monitoring
-Explore ways to save money by refinancing loans with us
-Use the interactive score simulator to simulate how your score may change with new credit inquiries, pay-offs, on-time payments, and more

Disclosure
*Availability is subject to phone carrier restrictions. Data rates may apply. Availability is subject to phone carrier restrictions. Deposits are subject to verification and may not be available for immediate withdrawal. Data rates may apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Any time you view your balance, keep in mind it may not reflect all transactions, including recent debit card transactions and/or checks you have written.

To learn how we protect your privacy, please visit afcu.org. Federally insured by NCUA.

What’s New

Sep 7, 2022

Version 4002.1.2

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.

Ratings and Reviews

My Account

Tellers need to be more mindful when pulling up “family” accounts. In a 5 month period, when I have deposited or withdrew money from my account, they mistakenly added or took the money from my husbands account. Please tell me how this could happen when our account numbers are different? I refuse to argue with the tellers which I almost did one time because I told her she needed to look closer and find MY account number. She insisted that she did the proper research and yet still took the W/D from my husbands account. Short of the computers being down, I can’t accept any excuse.
Other than that, I’m happy with the credit union for now.

Tough to read and understand

Overall, I do not like the new mobile banking app and will attempt to explain the confusion I have trying to navigate the program. I do muddle my way through and make the most of the program, but it is never easy or without some sort of complication.
First, I find the font and format difficult to read and navigate. Thankfully, being able to enlarge the screen helps. Also, the slim blocks of color along the side do little to guide me to a category, but take more space from the field of vision.
Second, The menu is ok and fairly straight forward, but trying to access or even find my recurring payments is extremely confusing especially through the transfer funds link. I have set up duplicate recurring payments more than once and had to struggle to find the way to cancel the duplicate without cancelling the initial payment. I have had some difficulty with recurring payments in bill pay too and e-bills are a continuous nightmare. I have constant messages telling me to update or contact payee at their website or it is continuously “in progress”, but never fixed or working properly. Using e-bills is not a viable choice for me. I don’t know what the benefit is or why it is offered.
I hope this review explains some of my difficulties and can help you understand my frustrations.

All good except for the check deposit feature.

The app is generally good, functional and dependable except for the glaring failure of the worthless check deposit function. You can attempt to deposit a check, and the app will tell you that it deposited the check successfully. You go on about your business, writing checks as though you have the deposit in there, only to find out it really did not deposit successfully. I have often tried to deposit checks when the app would refuse to deposit the check up to a dozen times, giving a variety of up to four different reasons/excuses; then in a mad fit I try one more time and it deposits successfully whereas nothing had changed— same check, same lighting, etc. this is particularly frustrating when I’ve had multiple checks to deposit. The online deposit function is important since no branches have been opened up near me

App Privacy

The developer, Arkansas Federal Credit Union, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

Financial Info
Location
Contact Info
Contacts
User Content
Identifiers
Usage Data
Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Information

Seller

Arkansas Federal Credit Union

Size

82.2 MB

More By This Developer

Are mobile deposit funds available immediately?

Unless a hold is placed, deposits on a business day before cutoff time will be processed that night and are generally available the next business day.

Does Arkansas Federal Credit Union have Zelle?

We have partnered with Zelle^® to bring you a fast, safe and easy way to send and receive money with friends, family and other people you trust. Zelle^® is available right from online and mobile banking so you don't need to download anything new to start sending and receiving money!

How long will my mobile deposit be on hold?

When will funds be available with mobile deposit? While your funds can be withheld anywhere from one to 11 days, most banks will make your funds from your mobile deposit available to you by the next business day.

Do mobile deposits clear same day?

Mobile Check Deposit Funds deposited before 9:00 p.m. ET on a business day will generally be available the next business day. Funds deposited before 8:00 p.m. PT on a business day will generally be available the next business day. You will be notified if a hold is placed on any deposited funds.

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