allU.S. Credit Union | Now PenFed Credit Union

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FAQ

WELCOME TO THE FAMILY

allU.S. Credit Union

Starting October 1st, Create your Online Account

Apply before becoming a member.

After your application, we’ll help you:

1. Discover you’re eligible to become a PenFed member

2. Open a Savings/Share Account and deposit at least $5

YOUR NEW ACCOUNT

See what you need to know about your account starting October 1^st

Direct deposits and automatic transfers will go into your PenFed account(s).

In order to set up future transfers between institutions PenFed’s routing number is: 2560-7844-6.

Begin using your new PenFed accounts, including checking, savings and debit cards.

PENFED AUTO LOANS

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PENFED MORTGAGES

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Life can get complicated. It’s time to find a mortgage that isn’t.

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PENFED CREDIT CARDS

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Build credit. Invest in yourself.

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PENFED PERSONAL LOANS

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Apply for a personal loan to help cover all your major expenses.

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PENFED CERTIFICATES

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Great certificate rates, guaranteed.

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FREQUENTLY ASKED QUESTIONS

When will the merger with PenFed Credit Union be completed?

The merger with PenFed will be official on October 1, 2022. Members will be able to create their PenFed Online Account and begin utilizing their new PenFed Accounts, including PenFed Debit Cards, starting on October 1, 2022.

Why are you doing this merger?

In today’s ever-changing economy, our Board of Directors evaluated strategic possibilities to assure that you, our member, will continue to receive the full range of products and services you deserve. After considering alternatives, we determined that a merger with PenFed is in the best interest of our members. allU.S. Credit Union and PenFed are in very good financial condition.

Will the allU.S. Credit Union branch remain open?

Yes, the allU.S. Credit Union branch will remain open with the same employees you know so well.

Will my accounts stay the same?

allU.S. Credit Union accounts will be mapped to equivalent PenFed accounts.

What if I already have accounts with PenFed?

For dual members, allU.S. Credit Union accounts will transfer to the members’ existing PenFed profiles as separate accounts. If desired, members can ask that the newly transferred accounts be combined with like PenFed accounts that they previously had with PenFed, or they can keep the transferred accounts separate.

Will my account history be available? Can I access my pre-merger statements?

Yes, 60 days of account history for savings and checking accounts will convert and can be viewed online at www.PenFed.org.

Account statements prior to the account conversion date will be available by calling PenFed, but will no longer be available online.

Will my debit card still work?

A new PenFed Debit Card will be sent to replace your allU.S. Credit Union debit card. Your allU.S Credit union debit card will continue to work until the account conversion is completed October 1, 2022. Additional information on when to begin using the card, activation and PIN selection will be included with the new PenFed Debit Card. PenFed cannot update any reoccurring authorizations to the new PenFed card number. Those merchants should be provided with the new PenFed Debit Card number in order to continue any reoccurring authorizations after October 1, 2022.

Can I use my old checks? When will I get new checks?

allU.S. Credit Union members may continue to use their allU.S. Credit Union checks, for up to 6 months after the official merger date (October 1, 2022). Each checking accountholder that ordered checks in the last year will automatically receive one free order of checks from PenFed. If you do not receive an order of checks by the first week of October 2022, please contact PenFed to have a complementary order sent to you. We recommend that members begin using PenFed checks after the account conversion date of October 1, 2022, but in case the PenFed checks haven’t arrived or there are outstanding allU.S. checks, they will continue to be honored for 6 months after the account conversion date. Please discontinue using allU.S. Credit Union checks as soon as possible after your new PenFed checks have been received.

Will my overdraft protection still be available?

The only method of overdraft protection available to PenFed members is via our Overdraft Line of Credit (OLOC) account. When needed, the OLOC advances the exact amount needed to the checking account to cover an overdraft. There are no per-advance fees; the member only pays the amount of finance charge that accrues between the date of the advance and the date it is paid*.

*Actual amount of credit line will be determined in accordance with individual’s credit qualifications.

Do I have to change my direct deposit and allotment?

No. allU.S. Credit Union members' direct deposits, ACH, automated credit and debit entries, transfers, all electronic items including retirement and Social Security will be automatically be redirected to PenFed during the merger process. PenFed will automatically notify your direct deposit/ACH originator of the new PenFed account numbers. In some cases, the direct deposit/ACH originator may contact you to confirm the new account information. If the direct deposit/ACH originator does not update the new account numbers, PenFed will notify you in about 90 days to seek your assistance in correcting the account number directly.

If a new direct deposit or preauthorized debit is setup after October 1, 2022, the new PenFed account number and routing number should be used. PenFed's ABA routing number is 2560-7844-6.

Will I have to reenter my Bill Pay information?

Will my internal transfers remain, or do I need to set them up again?

Reoccurring internal transfers will move to PenFed during the account conversion process. PenFed will contact members if any internal transfers cannot be converted.

If I currently receive electronic statements for my account, will I continue to receive them as electronic or paper from PenFed?

Please login to PenFed Online after October 1, 2022 to enroll in electronic statements. Electronic Statements will be offered when you first register for PenFed Online (PenFed’s online banking system).

What will happen to my share certificates (CD’s)?

All share certificates (CD’s) will transfer to PenFed at the same allU.S. Credit Union dividend rate and maturity date.

What will happen to my allU.S. Credit Union loans?

All fixed-rate and term loans will remain the same with no changes to rate, term, or payment. If you have a fixed or variable rate consumer real estate loans (mortgage, equity or HELOC), these terms will also transfer to PenFed unchanged. Credit Card holders will be provided information regarding their Credit Card prior to the conversion date and will be offered an option to opt-out of any new terms if desired.

Will my allU.S. Credit Union Mortgage or Equity Loan be converted to PenFed?

Yes, all mortgages, equity loans, and HELOCs will convert to PenFed at their existing rates and terms. Additional correspondence will be sent to members affected by this change.

What will happen to my allU.S. Credit Union credit card?

allU.S. Credit Union credit cards will convert to an award winning PenFed Credit Card. Additional correspondence will be sent to members affected by this change. Your allU.S. Credit Union credit card will continue to work during the transition period.

How can I deposit funds to my account or make payments to my loan?

After October 1, 2022 the following options are available for members to make deposits or loan payments to their accounts:

Electronic Funds Transfer - You can initiate an electronic funds transfer at PenFed to deposit funds from an external bank account. All you need is the ABA routing number and account number of the other institution. PenFed’s routing number is 256078446. Log in online to setup any electronic funds transferred starting October 1, 2022
Mobile Deposit – You can download our mobile app and use the Deposit Checks feature. Click here for more information about the PenFed Mobile App
Internal Transfer from your PenFed account. Schedule one time or reoccurring transfers
Mail - You can mail in a check (with your account number written on the check) to: PenFed, Box 247009, Omaha, NE, 68124-7009.
Branch- allU.S. Credit Union branches will be converted to PenFed branches and can accept payments or deposits for members wishing to visit these offices in person.

What ATM’s can I use?

Enjoy access to nationwide network of over 85,000 fee-free Allpoint and Co-op ATMs conveniently located near you
For a complete listing of PenFed ATMs, visit PenFed.org/Locations or download the mobile app today.

For any other questions, please contact us.

CHECK OUT OUR GREAT FEATURES

NEVER STOP MOVING.

FIND A MOBILE APP THAT MOVES WITH YOU.

ATM/BRANCH LOCATOR

Step into our office. Use our mobile app to find a Penfed branch near you.

CONVENIENCE

We go where you go. Access your account and make a deposit, no matter where you are.

SAFE & SECURE

Your account is safe with us. Our mobile app offers a safe and secure way to pay from your phone.

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YOUR NEW ACCOUNT

MAKE YOUR NEXT CAR YOUR DREAM CAR

MAKE MORTGAGES SIMPLE.

FIND THE RIGHT CARD FOR YOU

LIFE HAPPENS. BE PREPARED FOR IT.

INVEST IN YOUR FUTURE

FREQUENTLY ASKED QUESTIONS

When will the merger with PenFed Credit Union be completed?

Why are you doing this merger?

Will the allU.S. Credit Union branch remain open?

Will my accounts stay the same?

What if I already have accounts with PenFed?

Will my account history be available? Can I access my pre-merger statements?

Will my debit card still work?

Can I use my old checks? When will I get new checks?

Will my overdraft protection still be available?

Do I have to change my direct deposit and allotment?

Will I have to reenter my Bill Pay information?

Will my internal transfers remain, or do I need to set them up again?

If I currently receive electronic statements for my account, will I continue to receive them as electronic or paper from PenFed?

What will happen to my share certificates (CD’s)?

What will happen to my allU.S. Credit Union loans?

Will my allU.S. Credit Union Mortgage or Equity Loan be converted to PenFed?

What will happen to my allU.S. Credit Union credit card?

How can I deposit funds to my account or make payments to my loan?

What ATM’s can I use?

NEVER STOP MOVING.

FIND A MOBILE APP THAT MOVES WITH YOU.

ATM/BRANCH LOCATOR

CONVENIENCE

SAFE & SECURE

You are leaving PenFed.org and entering a third party Website that is not a part of Pentagon Federal Credit Union.

You are leaving PenFed.org and entering a third party site. PenFed Realty, LLC is wholly owned by PenFed and this referral may provide PenFed a financial or other benefit.

You are leaving PenFed.org and entering a third party Website.

You are leaving PenFed.org and entering a third party site. PenFed Title, LLC is wholly owned by PenFed and this referral may provide PenFed a financial or other benefit.

YOUR NEW ACCOUNT

MAKE YOUR NEXT CAR YOUR DREAM CAR

MAKE MORTGAGES SIMPLE.

FIND THE RIGHT CARD FOR YOU

LIFE HAPPENS. BE PREPARED FOR IT.

INVEST IN YOUR FUTURE

FREQUENTLY ASKED QUESTIONS

When will the merger with PenFed Credit Union be completed?

Why are you doing this merger?

Will the allU.S. Credit Union branch remain open?

Will my accounts stay the same?

What if I already have accounts with PenFed?

Will my account history be available? Can I access my pre-merger statements?

Will my debit card still work?

Can I use my old checks? When will I get new checks?

Will my overdraft protection still be available?

Do I have to change my direct deposit and allotment?

Will I have to reenter my Bill Pay information?

Will my internal transfers remain, or do I need to set them up again?

If I currently receive electronic statements for my account, will I continue to receive them as electronic or paper from PenFed?

What will happen to my share certificates (CD’s)?

What will happen to my allU.S. Credit Union loans?

Will my allU.S. Credit Union Mortgage or Equity Loan be converted to PenFed?

What will happen to my allU.S. Credit Union credit card?

How can I deposit funds to my account or make payments to my loan?

What ATM’s can I use?

NEVER STOP MOVING.

FIND A MOBILE APP THAT MOVES WITH YOU.

ATM/BRANCH LOCATOR

CONVENIENCE

SAFE & SECURE

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