Frequently Asked Questions

Yes. All deposit accounts at ACME Finance are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per ownership category.

Just a government-issued photo ID (driver’s license or passport), your Social Security number, and proof of address (utility bill or lease). The entire process takes about 7 minutes online.

Most home loan applications receive a preliminary decision within 48 hours. Full approval and closing typically take 14–21 days, depending on property appraisal and document verification.

No. We publish every fee openly on our website. Our checking and savings accounts have no monthly fees, no minimum balance fees, and no hidden charges. Period.

Yes. Mobile check deposit is available in our iOS and Android apps. Most deposits post to your account within 1 business day.

APY (Annual Percentage Yield) is what you earn on deposits and includes compound interest. APR (Annual Percentage Rate) is what you pay on loans and credit cards. A higher APY is better for savings; a lower APR is better for borrowing.

We use 256-bit encryption, multi-factor authentication, device binding, and 24/7 fraud monitoring. Every login is reviewed for suspicious patterns. You also get real-time alerts for every transaction and can freeze your card instantly from the app.

Yes, we accept permanent residents and visa holders with valid US addresses and ITINs or SSNs. Additional documentation may be required — our support team can guide you through the specifics.

Yes. You can open joint savings and checking accounts with up to 4 account holders. All holders have equal access and can transact independently.

Use Zelle, ACH transfer, or wire transfer — all available in Net Banking and the mobile app. Zelle is instant and free. ACH is free but takes 1–3 business days. Wires are same-day but have a small fee for external banks.

Click ‘Forgot Password’ on the login screen. You’ll receive a secure reset link via email and a confirmation code via SMS. Your account stays locked until both factors are verified.

You can close your account anytime — no fees, no questions. Submit a request through Net Banking, call 1-800-ACME-CU, or visit any branch. Your remaining balance will be refunded via your chosen method within 3 business days.