Branch Services

Deposit Services

Audio Response
Our Audio Response system allows convenient access to your account and credit union information using a touch-tone phone. There is a nominal fee for this service.

Direct Deposit
Most employers offer direct deposit of your pay to the financial institution of your choice. We accept direct deposits from any employer, as well as from all government agencies and pension/investment companies. When signing up for direct deposit or automatic withdrawals, you need to know our routing and transit or ABA number. Our number is 243380833. You will also need to know your credit union account number which can be found on your credit union statement.

Payroll Deductions
Many of our employer groups offer payroll deduction as a means to transfer payroll funds to the credit union. Payroll deduction forms can be filled out at the credit union office or with your employer. Some employers prefer to offer only direct deposit. Check with the credit union or your employer to see what method of deposit is available to you.

What is the difference between Direct Deposit and Payroll Deduction?
Direct Deposit usually involves depositing all of your paycheck electronically into your account at the credit union. When using payroll deduction, a portion of your pay is automatically deposited into your account.

Night Depository
For your convenience, you can drop your deposit or loan payment in our night drop box located next to the ATM machine. Deosits/payments made after 8:30 a.m. may be credited the next business day.


Debit Cards

Debit Mastercards
Americo FCU’s Debit Mastercard is a convenient, quick and easy way to access your share draft account without a checkbook, to make purchases or obtain cash from an ATM machine. You have access to your account 24-hours a day, 7-days a week through the network of ATM machines. You may also use your debit card at any merchant who accepts Mastercard. Debit Card transactions are automatically deducted from your share draft/checking balance.

For your protection, all international debit card transactions are blocked. If you require international access while traveling, please contact us at (814) 833-0433 ext 209 prior to travel.

What are my Debit Card limits?
The following limitations on the frequency and amount of Debit Mastercard transactions may apply:

* You may make a combined total of twenty (20) Debit Mastercard purchases per day.
* ATM withdrawals cannot exceed nine (9) per day.
* You may purchase up to a maximum of $700 per day. These purchases can be card and signature or card and PIN (POS) or any combination.
* You may withdraw up to a maximum of $300 in any one day from an ATM machine, if there is sufficient funds in your account.
Please refer to your “Electronic Funds Transfer Agreement and Disclosure” which covers your and our rights and responsibilities concerning Electronic Funds Transfer services.

Pin Numbers

You can now select your own PIN for your debit card—or change your existing PIN—with just a simple phone call!
1- To select or change your PIN, call 1-800-992-3808.
2- Have your card handy when you call and be prepared to provide some personal information to verify your identity.
3- Once your identity has been confirmed, just enter the four-digit number you’ve selected for your PIN—it’s that easy!


If you will be traveling and plan to use your Americo FCU Debit and/or Credit Card, we need to put an alert on your card(s).  We do not want your card(s) to become blocked for suspicious activity while you are away from home, putting you in a difficult situation.  Notifying us that you will be traveling will help us monitor your account against fraud.

Please inform us of your travel arrangements, prior to your trip, that includes the dates of travel, what cities, states or countries you will be traveling through, and a phone number (e.g. cell phone number) where you can be reached while traveling, in case the fraud department needs to review transactions.  We also need to be informed of international travel, since all cards are blocked internationally unless the travel form is filled out.

Travel forms are available at both credit union offices and must be filled out for all cards that will be used during your travel.

Wire Transfers

Wire Transfers
For a nominal fee, we can wire money anywhere in the world. You will need to obtain proper wiring instructions from the receiving financial institution before you can initiate a wire transfer. Domestic wires initiated before noon are generally available to the recipient the same business day. International wires are subject to the policies of the receiving institution and country. Wires received at the credit union will be credited to your account on the day of receipt.

How does someone wire funds into my account?
These are the incoming wire instructions for our credit union:
Wire to Vizo Financial Corporate Credit Union, Harrisburg PA – ABA 231387550
For the further credit to the Americo FCU Account – #24338083310100
For the final credit to the account of:

  • Member’s name
  • Member’s account number
  • Designate savings or checking

There is a nominal fee for this service.

How do I wire funds to another institution?
For outgoing wires, you will need to contact the receiving institution and ask for their wire transfer instructions.
They should provide you with their:

  • Institution name
  • City
  • ABA Number

Any other information needed to handle the wire once it reaches their institution
If the funds are being credited to a third party, you should include that person’s name and account number.
We require a signed authorization to wire funds out of your account.
Any fees associated with the wire will also be deducted from your account.


Other Services

Money Orders
Money Orders in any denomination up to $1,000 are available at the credit union for a nominal fee. Visit any teller to purchase these with cash or a withdrawal from your account.

U.S. Savings Bonds
U.S. Savings Bonds are a safe, easy way to save money. Savings bonds are a reliable, low-risk government-backed savings product that you can use towards financing education, for birthday and graduation gifts, and other special events.

There is no time like today to begin saving to provide for a secure tomorrow. Whether you select the
Series EE or the Series I Bond, your money will grow and remain safe into the future.

The U.S. Department of the Treasury has announced it will end over-the-counter purchase of paper savings bonds as of December 31, 2011. This includes sales of savings bonds through financial institutions and applications mailed directly to the Federal Reserve Bank by customers. You can purchase electronic savings bonds online through TreasuryDirect at

You can, however, continue to redeem Series EE and I Savings Bonds at the Credit Union.
Visit for more information.

Proper Identity is required.

VISA Gift Cards
Need a gift but don’t know what to buy?
Gift Cards can be used like cash for everyday purchases.
VISA Gift Cards are accepted at many stores, restaurants and entertainment venues. The VISA Gift Card is an ideal choice for all your gift-giving occasions. VISA Gift Cards can be purchased in denominations from $10 to $500 for a nominal fee per card.