Frequently Asked Questions

If the question you have is not listed below, you can contact your local branch for more information. Remember, you can always call AVA, our automated access line at 520-459-1860 or 800-752-6394, Option #1 for basic transactions, balance inquiries and other tools.

General Questions

What is the difference between the Credit Union and a bank?

Credit unions are not-for-profit, member-owned and therefore member-oriented. Generally speaking, fees and service charges are lower and interest rates are more competitive at credit unions than at banks.

Will my account be federally insured?

The quick answer is, “Yes, up to $250,000.00 under NCUA (National Credit Union Administration).”

Can I apply for membership online?

Yes! Just click here to fill out a membership application online.

How do I qualify to be a member?

Membership of this credit union shall consist of, and be limited to: All persons, who live, work, worship or attend school in, and their immediate family members, and businesses and other legal entities located within Cochise County, Arizona and Santa Cruz County, Arizona, as well as the following Arizona zip codes: 85602, 85614, 85615, 85622, 85628, 85629, 85641, 85646, 85706, 85707, 85708, 85714, 85730, 85734, 85746, 85747, 85748, and 85757. Membership also includes members of record of this credit union as of March 13, 2000; employees of this credit union; spouses of persons who died while within the field of membership of this credit union; and immediate family members of all aforementioned persons and organizations of such persons

What is the minimum deposit to open a checking or savings account?

$10 – $5 is a one-time membership fee and $5 stays in your account to keep your membership open.

What documentation do I need to open a membership account?

An unexpired government issued ID and Social Security number. We will also need your date of birth along with your address and phone number. If you are using a P.O. Box, we need the physical address as well.

Do you have safety deposit boxes?

Yes, at the Main Office and Sahuarita. We offer four sizes.

Can I apply for a loan online?

Yes! Not only can you apply online, but you can sign for your loan online as well. We strive to make the loan process as quick and easy as possible. You can apply for a variety of loans here.

How do I find loan calculators?

You can click here to see the variety of financial calculators we have to offer

Where do I find interest rates?

Click here for our current interest rates.

What is a Service Center/Partner or Shared Branch?

A Service Center/Partner or Shared Branch means you have more direct, surcharge-free access to your money through other credit unions across the United States that can conduct basic transactions for members of participating credit unions. Contact your ASCU representative or go to http://cusn.com/home to see if another credit union is in our network. ASCU is also part of the Allpoint ATM Network which means you have access to over 55,000 surcharge-free ATMs worldwide.

These partnerships allow you to get your cash where you want, when you want, wherever you are..without the ATM fees. Click here to find the nearest Allpoint ATM near you.

How can I find a Service Center/Partner or Shared Branch location close to me?

Click here to access our locations page.

What are VISA Rewards Points?

These are points that are given for making purchases with our Reward credit cards.

Where do I find my VISA Rewards Point balance?

Click here to login to your rewards account or call 1-888-634-6318.

How can VISA Rewards Points be redeemed?

Click here to visit our CURewards page or call 1-888-634-6318.

Business Account and Lending Questions

What documentation do I need to bring to ASCU to open a business account?

The documentation that you should bring depends on the type of business you own. Every Business must provide a SSN (Social Security Number) or EIN (Employer Identification Number). The chart below lists additional items forms or documentation you may need.

Type of Business Toll free number
Sole Proprietorship Business License; DBA Filing; Business Cards if available
Limited Liability Company (LLC) Articles of Organization files with the state of Arizona; Operating Agreement
Corporations *C* or *S* or *Not for Profit* Articles of Incorporation filed with the state of Arizona; Resolutions if they exist
General Partnership Certificate of Partnership; General Partnership Agreement; DBA Filing; Bank Statements
Limited Liability Partnership Certificate of Partnership filed with the state of Arizona; Limited Partnership Agreement, if it exists
Limited Partnership Certificate of Partnership filed with the state of Arizona; Limited Partnership Agreement, if it exists
Informal Association/Club Meeting minutes with designation of duties

Is there a minimum deposit amount to open the account?

The minimum deposit to open a business account is the same as our general membership requirement. $10 – $5 is a one-time membership fee and $5 stays in your account to keep your membership open. The minimum deposit for a Business Checking account is $100. All types of businesses are subject to monthly maintenance fees. To avoid service fees, you must maintain a balance depending on the type of account you choose.

Can I have someone who is not an owner sign on the account?

Yes, the owner, member, or officer of the business can authorize a non-owner to sign on the account.

Who needs to be present to open the account?

In general, anyone who will sign on the account should be present to open the account.

  • Sole Proprietorship – The owner
  • Limited Liability Company (LLC) – the Managing Member or all members will need to sign to open the account
  • Partnerships – All Partners will need to sigh
  • Corporations – The designated Secretary should be present, unless it is a one-officer corporation
  • Informal Association/Club – The designated signers, specifically those that are named in the meeting minutes

How much time should I set aside to open the account?

It takes approximately one hour to open an account.

How do I apply for a small business loan?

Call to make an appointment with the Branch Manager at your local ASCU branch. Click on Hours & Locations at the bottom of this page to find your local branch information.

What do I need to apply to a business loan?

Three years complete tax returns, business and personal, along with the Business Loan Application and Personal Financial Statement.

Should I choose a loan or a line of credit?

Your decision all depends on your individual circumstances.A term loan provides financing for capital expenditures such as fixed assets and other equipment needs which are regularly amortized over a period of years (for example, 1 to 5 years).

A line of credit gives you the flexibility and convenience of easily accessing funds whenever you need them for short-term financing needs.

The purpose for which you intend to utilize the funds will also help you decide which to choose. For example, a line of credit is the perfect solution for funding short-term operating capital needs. On the other hand, a term loan is a much better financing solution than a line of credit for acquiring business equipment or vehicles.

What will my interest rate be?

The product type and other factors are considered in determining the interest rate for your credit request. You will be notified of your rate once approved.

What will my monthly payment be?

Your monthly payment depends on the type of credit you request and whether you are seeking a fixed or variable interest rate.

What are the terms?

Terms vary depending on the product you request. You will be notified of your terms once your application has been completed and processed.

Will I need to personally guarantee the credit request?

Yes, a personal guarantee of the business owner’s is required in all cases.

How can I receive information on the various credit products?

To learn more about a credit product, schedule an appointment with a Branch Manager by calling (520) 459-1860 or 800-752-6394 or by visiting your local branch.

Once approved, how do I access my funds?

Methods to access your funds vary by credit product. ASCU will inform you of the different methods of accessing your funds after loan documents are signed.

What will my closing costs be?

Closing costs will vary depending on the type and size of your credit request.

Can I have my payment automatically debited from by checking account?

Yes, you can set up your payment option during the loan closing process.

Will I pay any interest on my line of credit with a zero balance?

No, interest only accrues on outstanding balances.

International Prepaid Card & EMV Questions

How does the International Prepaid Card work?

The International Prepaid Card is a reloadable prepaid Visa debit card, which means you can spend up to the value placed on the card anywhere Visa debit cards are accepted. You can shop in stores, online, over the phone, and by mail order. You can get cash at Visa ATMs worldwide. Each time you make a purchase, the amount of that purchase is automatically deducted from the card. When used in international markets where merchants authorize with the Chip & PIN on the front of the card instead of the magnetic stripe on the back of the card, the International Prepaid Card avoids unnecessary declines.

How do I know the balance on my International Prepaid Card?

You can check your balance at this website, by calling your local branch, or by calling customer support at (855) 657-8588. Since a merchant may not be able to tell how much money is on the card, keeping track of your balance is a sure way to know how much you have to spend.

Where can my International Prepaid Card be used?

Your card can be used to make purchases at millions of Visa debit locations worldwide and to obtain cash at any Visa ATM worldwide. Even merchants in countries who only accept cards with a Chip will be able to approve your transaction. However, note that some unattended kiosk terminals outside the U.S. such as luggage cart rentals, parking garages, even transit terminals may decline your International Prepaid Card due to the way the authorization is sent.

Are there transactions or reload limits?

Purchase transactions are unlimited, up to the balance remaining on your card. However, for the protection of our cardholders, there are limits to the number and dollar amount of reloads, ATM withdrawals and cash advances performed within a certain time period. Cash-back from a Visa merchant is allowed at US Visa merchants only. To learn more about the current limits, please reference your terms and conditions.

Who can order or use the Card?

Our International Prepaid Card can be purchased by any member in branch or online by anyone that has a valid debit or credit card registered in his or her name. The individual purchasing the card is defined as the primary cardholder. The address listed for the primary cardholder must match the billing address for the debit/credit card used to purchase the International Prepaid Card. Primary cardholders can order online up to 4 personalized secondary cards for family members or companions. When purchasing a secondary card for a young person with no card experience, be sure to go over all of the terms and conditions that accompany the card.

Can I purchase an International Prepaid Card as a gift?

No, International Prepaid Cards cannot be given as a gift. You purchase the International Prepaid Card for your own personal use.

How do I get an International Prepaid Card?

You can order International Prepaid Cards by visiting a local branch.

Does the cardholder need to sign an agreement?

Each card is distributed with Terms & Conditions. This document fully explains the terms and conditions regarding the use of the card. This document can also be viewed online. The cardholder accepts the terms and conditions by signing the back of the card, using the card, or receiving the card by request.

How do I activate my International Prepaid Card or obtain my PIN?

By calling the toll free customer support number at (855) 657-8588 and a PIN is assigned during the activation call. You will have the option to select a new PIN should you desire.

What happens if I need to return an item?

Each merchant location has its own return policies and will handle the returns in the same manner as any other Visa transaction and may take up to 7 business days to be credited to your International Prepaid Card. The merchant may credit your International Prepaid Card, provide a cash refund or issue a store credit.

What if the purchase is denied?

If a decline occurs, the card’s available balance is probably less than the purchase amount. You may inform the merchant of the remaining balance on the card and use another form of payment to pay the difference, subject to the policy of the merchant. Also, please be aware that some merchants – for example, restaurants, car rental agencies, salons, mail-order companies, and cruise lines – preauthorize for an amount slightly higher than your actual transaction to ensure sufficient funds for tips or incidental expenses. This amount is “held” until the transaction settles to your International Prepaid Card. Only the amount you sign for will ultimately be deducted from your card. Use of the card at automated fuel dispensers requires that a specific minimum balance be available on the card, which is determined by the issuer of the International Prepaid Card, in order to complete the transaction. For example, the issuer may require that there is a minimum balance of $100 on the card in order to utilize the card at an automated fuel dispenser. Again, only the actual amount spent will ultimately be deducted from the card..

Can I use the International Prepaid Card to make a purchase that is larger than the balance on the card?

Yes, simply pay a portion of the purchase with the available balance on your International Prepaid Card and then request to pay the balance of the purchase with cash, check, or another credit/debit card.

Can I reload the International Prepaid Card?

Yes, to reload using the funding account(s) registered online, cardholders can visit this website, call the number listed on the back of their card, or visit their local branch. Any applicable fee for reloading via the website or by phone will be charged to their funding source, along with the value being added to their card. Some issuers also allow the ability to have direct deposits set up from an employer, refer to your terms and conditions to confirm this option is available.

Why might my initial load or reload be declined?

Possible reasons your initial load or reload might be declined are: you have not registered any funding accounts on the website; the name/address on file with the debit/credit card issuer does not match the primary cardholder profile on the International Prepaid Card website; the debit/credit card expiration date or 3-digit code listed on the website is incorrect; or the load limit or other applicable limits have been exceeded. First, verify your funding account information and the total number of reloads performed to date. If this does not resolve the issue, call the toll free number on the back of your card to discuss other limits that may have been exceeded.

Can the card ever have a negative balance?

Any authorization request that is greater than the card’s available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder can dispute the transaction if it was not legitimate, otherwise you will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount.

Can I have my employer paycheck deposited onto my International Prepaid Card?

Yes, if your credit union offers this service. Simply log into your account on this website and download the direct deposit form with your International Prepaid Card’s specific routing transit and account number and give it to your employer’s HR/payroll department.

How do I find an ATM when I travel – particularly overseas?

Visit the ATM locator found at this website or at www.visa.com for participating Visa ATMs both domestic and abroad.

What is the exchange rate when I get to another country?

The exchange rate is determined by the rate of exchange on the date of purchase. Using your International Prepaid Card at an ATM can be less expensive than using a currency exchange to get foreign currency.

When I travel, are my receipts in U.S. dollars or the local currency?

Your receipt will reflect the local currency. It is always good to plan ahead and have a general idea of the local exchange rates before you travel. This helps you to understand what goods and services are actually costing you.

What happens if my International Prepaid Card is lost or stolen?

We provide 24-hour toll-free support. Immediately report any problems or a lost or stolen card by calling (855) 657-8588. A replacement card can be issued and any available balance transferred to a new card less applicable fees that will be deducted from the card’s available balance. Replacement cards are generally received in 7-10 business days domestically or within two weeks or more internationally. Emergency card replacement can also be requested with guaranteed delivery within two business days domestically or within three business days internationally. See the Terms & Conditions for fees that apply to lost or stolen cards and emergency card replacement. As long as the lost or stolen card is reported immediately, you will not be responsible for any unauthorized merchant charges. If traveling internationally or far from home, a secondary card should be considered. That way, if the primary card is lost or stolen, the secondary card can immediately be used to access the funds without having to wait for a replacement card as delivery times will be longer than domestically.

How do I call for customer support from overseas?

We provide 24/7 toll-free support from the following countries:

Belgium, Canada, France, Germany, Ireland, Italy, Spain, Switzerland and the UK. The toll free numbers in those countries are the following:

Country toll free number
Belgium 0800-78373
Canada (855) 657-8588
France 0800-916588
Germany 0800-5894572
Ireland 800-760839
Italy 800-788938
Spain

Spain (from mobile phone)

95-034-4016

9009-41895

Switzerland 0800-563184
United Kingdom 08-082340879

Otherwise, the number (954) 835-2345 can be used if you need to call from another country. Keep in mind that you may incur additional charges from your mobile phone service provider whether calling within the US or from outside the US.

What is a Global Chip & PIN (also known as EMV) bank card and authentication?

Chip & PIN, also known as EMV, is an international standard replacing the magnetic stripe on bank cards used for payment transactions. The card can be used with a magnetic stripe or the chip, ensuring that both US and non-US merchants will be capable of accepting the card. EMV PIN transactions are more secure than those requiring a signature, and protect you against fraud.

Are any countries blocked from using the International Prepaid Card to make purchases?

For security purposes and fraud prevention, your International Prepaid Card will decline if attempts are made to use it at merchants in the countries sanctioned under the US Treasury Department’s Office of Foreign Asset Control (OFAC). You can obtain the most recent list of those countries by calling customer support at (855) 657-8588.

What recommendations are there for ensuring hassle free use of my International Prepaid Card?

  • Notify the Credit Union of extensive domestic and/or international travels.
  • Inquire about potential international fraud blocks before you travel.
  • Test your card to confirm that you have the valid PIN.
  • Verify that your card will not expire while traveling.
  • Carry alternative payment methods (i.e. additional debit/credit cards).
  • Do not pack all payment methods together (i.e. put one in a suitcase, another in a purse or wallet).
  • Remain observant for pick pockets.
  • Photocopy all cards front and back and keep separate copies on hand.
  • Save all receipts and verify against your statement.
  • Never leave valuables such as prepaid cards in the car, not even in the glove compartment or trunk.
  • Report lost or stolen cards and unauthorized transactions immediately.
  • Be aware of your surroundings when entering your PIN at an ATM or checkout counter.
  • Keep our customer support phone number on hand as it is available 24/7/365 for assistance.

Student Prepaid Card Questions

How does our Student Prepaid Card work?

It’s a reloadable prepaid Visa debit card, which means you can spend up to the value placed on the card anywhere Visa debit cards are accepted. You can shop in stores, online, over the phone, and by mail order. You can get cash at ATMs worldwide. Each time you make a purchase, the amount of that purchase is automatically deducted from the card.

How do I know the balance on my Student Prepaid Card?

You can check your balance by contacting your local branch, or by calling customer support at (866) 901-8090. Since a merchant may not be able to tell how much money is on the card, keeping track of your balance is a sure way to know how much you have to spend.

Where can my Student Prepaid Card be used?

Your card can be used to make purchases at millions of Visa debit locations worldwide and to obtain cash at ATMs worldwide.

Are there transactions or reload limits?

Purchase transactions are unlimited, up to the balance remaining on your card. However, for the protection of our cardholders, there may be limits to the number and dollar amount of reloads, ATM withdrawals and cash advances performed within a certain time period. To learn more about the current limits, please reference your terms and conditions.

Who can order or use these Cards?

Our Student Prepaid Card can be purchased by anyone that has a valid debit or credit card registered in his or her name. The individual purchasing the card is defined as the primary account holder. The address listed for the primary account holder must match the billing address for the debit/credit card used to purchase the Student Prepaid Card. Primary account holders can order online multiple Student Prepaid cards for different children. When purchasing for a young person with no card experience, be sure to go over all of the materials that accompany the card.

Can I purchase a Student Prepaid Card as a gift?

No, Student Prepaid Cards cannot be given as a gift. You purchase the Student Prepaid Card for your child’s general purpose use.

How do I get a Student Prepaid Card?

You can order personalized Student Prepaid Cards directly at this site http://ascu.org or by coming into any Credit Union branch.

Does the cardholder need to sign an agreement?

Each card is distributed with Terms & Conditions. This document explains the terms and conditions regarding the use of the card. The full terms and conditions can also be viewed online. The cardholder accepts the terms and conditions by signing the back of the card, using the card, or receiving the card by request.

How do I activate my Student Prepaid Card or obtain my PIN?

Your Student cards can be activated by logging into this site http://ascu.org and clicking on the Activate Card button, or by calling the customer support number listed on the back of your card. A PIN will be automatically assigned after your card is activated and you’ll be given the opportunity to select a new PIN if you choose.

What happens if I need to return an item?

Each merchant location has its own return policies and will handle the returns in the same manner as any other Visa transaction and may take up to 7 business days to be credited to your Prepaid Card. They may credit your Prepaid Card, provide a cash refund, or a store credit.

What if the purchase is denied?

If a decline occurs, the card’s available balance is probably less than the purchase amount. You may inform the merchant of the remaining balance on the card and use another form of payment to pay the difference, subject to the policy of the merchant. Also, please be aware that some merchants – for example, restaurants, car rental agencies, salons, mail-order companies, and cruise lines – preauthorize for an amount slightly higher than your actual transaction to ensure sufficient funds for tips or incidental expenses. This amount is “held” until the transaction settles to your Prepaid Card. Only the amount you sign for will ultimately be deducted from your card. Use of the card at automated fuel dispensers may require that a minimum balance of $99 be available on the card in order to complete the transaction. Again, only the actual amount spent will ultimately be deducted from the card.

Can I use a Student Prepaid Card to make a purchase that is larger than the balance on the card?

Yes, subject to the ability of the merchant, simply pay a portion of the purchase with the available balance on your prepaid card and then request to pay the balance of the purchase with cash, check, or a credit/debit card.

Can I reload the Student Prepaid Card?

Yes. To reload using the funding account registered during enrollment, Accountholders can visit the website, call the number listed on the back of their card, or visit your local branch. Any applicable fee for reloading via the website or by phone will be charged to your funding source, along with the value being added to your card.

Why might my initial load or reload be declined?

Possible reasons your initial load or reload might be declined are: the name/address on file with the debit/credit card issuer does not match the primary cardholder profile on the Visa Prepaid Card website, the debit/credit card expiration date or 3- digit code listed on the website is incorrect, or the load limit or other applicable limits have been exceeded. First, verify your funding source information and the total number of reloads performed to date. If this does not resolve the issue, call the toll free number on the back of your card to discuss other limits that may have been exceeded.

Can the card ever have a negative balance?

Any authorization request that is greater than the card’s available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount.

How do I find an ATM when I travel – especially overseas?

Visit the ATM locator found at www.visa.com for participating Visa ATMs.

What is the exchange rate when I get to another country?

The exchange rate is determined by the rate of exchange on the date of purchase. Using your Prepaid Card at an ATM can be less expensive than using a currency exchange to get foreign currency.

When I travel, are my receipts in U.S. dollars or the local currency?

Your receipt will reflect the local currency. It is always good to plan ahead and have a general idea of the local exchange rates before you travel. This helps you to understand what goods and services are actually costing you.

What happens if my International Prepaid Card is lost or stolen?

We provide 24-hour toll-free support. Immediately report any problems or a lost or stolen card by calling (866) 901-8090. A replacement card can be issued and any available balance transferred to a new card, less applicable fees that will be deducted from the card’s available balance. Replacement cards are generally received in 7-10 business days. Emergency card replacement can also be requested with guaranteed delivery within the next business day, or sooner in some cases. See the Terms & Conditions for fees that apply to lost or stolen cards and emergency card replacement. As long as the lost or stolen card is reported immediately, you will not be responsible for any unauthorized merchant charges, provided such transactions took place on the Visa® Network.  For all other unauthorized merchant transactions, you may be liable for up to $50.

Visa® Gift Card Questions

What is the Visa Gift Card?

Your American Southwest CU Visa Gift Card is a prepaid Visa Debit Card with a specific dollar value. Your Visa Gift Card and its value are accepted at most places Visa Debit is accepted.

How do I activate my gift card and obtain my PIN?

Gift cards can be activated online at the website found on the back of your Gift Card. A PIN will be displayed after activation. You may also call 866-902-6082 and an assigned PIN will be automatically spoken after your card is activated.

How can I check the balance on my Gift Card?

Call the number on the back of your card for balances and transaction history..

How can I use my Gift Card?

You can use your American Southwest CU Visa Gift Card at most places Visa Debit is accepted. See Terms and Conditions for further information.

What should I do when the merchant’s sales terminal asks me to press “Debit” or “Credit”?

You have the option to press the ‘Credit’ or ‘Debit’ button. The credit transaction will require you to sign a sales receipt to authorize the purchase and the debit transaction will require you to enter your PIN to authorize the purchase.

What if the item I want to purchase exceeds the value of my Gift Card?

If the purchase amount exceeds the available card balance, then you must inform the merchant of the amount you want to pay with the Visa Gift Card and that you will pay the difference in cash, check, credit or debit card. If the purchase amount exceeds the available balance of the Visa Gift Card, the transaction will not be approved.

What do I do if I need to return an item?

In the event you need to return an item you purchased with your Visa Gift Card, the merchant will handle the item in accordance with Visa guidelines. The merchant may credit your card (put the funds back on the card) thereby increasing your available funds.

What happens when the funds are spent?

When you have depleted all the funds on the card and no returns are necessary, simply destroy and discard the card.

What should I do if my Visa Gift Card is lost or stolen?

Contact the American Southwest CU Visa Gift Card Center immediately at 1-866-902-6082. Additionally, read the American Southwest CU Visa Gift Card Terms and Conditions for important Visa Gift Card information.