AP Member Services

ATM Card

Enjoy the convenience of 24-hour access to your accounts with an AP Automated Teller Machine (ATM) card. You can make withdrawals, transfer funds, and check balances at thousands of ATMs worldwide. Your AP ATM card is accepted at Jeanie, Plus and Pulse network ATMs. We are also part of the Alliance One ATM network, giving you access to hundreds of ATMs nationwide, including many in our area, with no surcharge. AP also has an agreement with Fifth Third Bank so our card holders can make cash withdrawals surcharge-free.

Click here to search for an Alliance One ATM near you.

AP has a 24 hour ATM located at both our locations, 3907 N. Detroit and 405 N. Reynolds. These ATMs are surcharge-free to Alliance One Network and Fifth Third Bank card holders for cash withdrawals only.

MasterMoney Debit Card

The MasterMoney Debit card is used like a credit card, but the amount of your purchase is deducted from your Share Draft Checking account. It also serves as your ATM card, allowing you to access your accounts through a wide network of ATMs.

Lost or Stolen Cards:
ATM or Master Money Card – 1-800-528-2273
VISA – 1-800-808-7230

Fraud or Disputes:
Debit Master Card Fraud Disputes – 1-800-808-6402
VISA – 1-800-600-5249

Sign up for your Prewards from Master Money Card  https://afcu.myprewards.com

Reloadable Debit Card
For a small fee of $5, you can get a Reloadable Debit Card to use at retail stores, online merchants, ATM, and phone orders. Because it’s a prepaid card, spending is limited to the initial amount of money placed on the card up to $3,000.  Additional reloads are $3 with a maximum load of $2,000.

To sign up for a PIN to access your Reloadable Debit Card, go to www.innovativecardservices.com

If you need to re-order a reloadable debit card or have lost your card, call 1-866-304-8680

Shared Branching

AP is a part of Shared Branching which means that our members can go to any credit union that is a part of Shared Branching and conduct transactions.  Conversely, other credit union members can come to AP if their credit union is part of Shared Branching.  You just need ID and your account number for deposits, withdrawals, and loan payments. The video below will give you all the details!

Shared Branching Video

AP Press Express

You can access your accounts 24 hours a day, seven days a week using a touch tone phone and AP’s Press Express service. Check balances, make loan payments, transfer funds and more with this free service.

Direct Deposit

If your employer offers direct deposit or if you are the recipient of a regular government or pension check, you can have all or part of your check directly deposited to your AP account.

Payroll Deduction

As a benefit to our members, AP Credit Union offers payroll deduction service to make automatic deposits to your accounts.

Other Services

Overdraft Protection
The share draft checking account (X) pulls from your savings account as it’s own overdraft protection.  The free checking (2) has Advance Advantage overdraft protection after the first 90 days.

ACH Origination

We now have the ability to pull funds from other institutions into your AP account.  We need your signature on a request along with the other institution’s routing number and your account number.  This could be a one-time transfer or monthly transfer.  Talk to an AP Rep for more information.

Gap Protection

Our Gap Protection Program protects you for a deficiency balance (between loan balance and insurance payoff) on your vehicle loan for theft, collision, fire, plus much more. All this for a one-time cost of $399.

Home Financial Services Online
On-Line Banking, E-Statements, and AP E-Z Bill Pay Electronic Bill Payment
Access your accounts 24 hours a day, 7 days a week from the internet with Home Financial Services. Check account balances, make loan payments, transfer funds, and more, anytime it is convenient. Save shredding and the environment with E-Statements through your Online Account.  You can also pay all your bills online using AP E-Z Bill Pay. All of these services are free and offer the latest online security protection. Save time and money, click on “Go to online banking” to the left to sign up.


Be sure to check with us for discounts on various other services and attractions such as amusement park tickets, Toledo Zoo tickets, movie tickets, Entertainment Books and many more.


AP provides the primary account holder with a $1,000 Accidental Death and Dismemberment insurance policy at no charge. True Stage also has Life, Auto, Home and higher amounts of Accidental Death and Dismemberment insurance at discounted prices for credit union members.

To Apply For AD&D, click here!

Click below for more information!