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Account FAQs

  • What documentation do I need to open an account?

    We will need a photo ID, SS card, and proof of residence.

  • Why do I need to open a savings account if I want another product?

    Your savings account establishes your membership with the credit union. Once your savings account is opened, you may apply for any other service or loan product we offer.

  • Do deposits post the same day they are made?

    Yes, all deposits are effective immediately unless the teller informs you that there will be a hold placed on the check. Immediate credit does not apply to ATM deposits.

  • What is the difference between my balance and available balance?

    All of our members maintain a share in the credit union of $25. This stays in your savings throughout the life of your account. The balance represents the amount in your account that may include shares, check holds, debit card authorizations, and loan pledges. The available amount is the actual amount you may withdraw from your account.

  • Do I have to come in to make an account transfer?

    No, Online Banking and Telephone Teller are available 24 hours a day for no charge. You may also call one of our Call Center Specialists at 406.651.AFCU (2328) M-F, 9AM – 5PM. However, certain accounts may limit your amount of telephone and electronic transfers, please ask for details.

  • How do I sign up for Direct Deposit?

    Establishing Direct Deposit of your paycheck requires you to go through your employer, who will have the necessary paperwork to set it up. They will need Altana's routing number (292977666) and your account number. If your employer needs something further, please contact us at 406-651-AFCU.

  • How do I add/remove joint owners from my account?

    A new signature card will need to be signed. Depending on the agreement at the time the account was opened, all persons concerned may need to come to the credit union and sign the appropriate documentation. This may be done by mail if need be.

    New account owners will need to bring photo identification.

  • How do I add/remove an account beneficiary?

    A new signature card will need to be signed. Please visit one of our 7 locations or we can mail a new card to you.

  • I have a Power of Attorney for a member. How do I handle transactions for the member?

    Please bring in or mail a copy of the POA to one of our 7 locations. We may or may not accept a POA, at our own discretion, and may wish to contact the issuer before conducting any transactions.

  • Are my savings insured?

    Yes, your savings accounts are insured up to $250,000 and IRA accounts are insured an additional $250,000, depending on account ownership, by the National Credit Union Administration (NCUA). NCUA is an agency of the federal government.