FAQs | Frequently Asked Questions | AltaOne FCU (2024)

Featured Rates

New Auto Loans *
Home Loans *
Term Share
Money Market **

After-Hours Phone Numbers

Debit Card services (800) 433-9727 Option 2
Credit Card services (800) 433-9727 Option 4
Voice One automated teller (800) 433-9727 Option 1

Check Reorders

Checks can be reordered at any branch location, by calling us at (800) 433-9727 or online directly from our printer at HarlandClarke.com.

Deceased Depositor Accounts

What do I do about a deceased relative’s account with AltaOne?

If there is a beneficiary on the account, the beneficiary must provide a death certificate to the credit union to close the account. If there is not a beneficiary, and the deceased person’s estate is less than $166,250 in value (if the death occurred prior to April 1, 2022) or $184,500 (if the death occurred on or after April 1, 2022), an ‘Affidavit for Collection of Personal Property’ may be completed, along with providing a death certificate. For information on completing the affidavit, click here to visit the Sacramento County Public Law Library webpage for guidance. This material is intended as general information only. Your situation may have factors requiring different procedures or forms. If you have further questions or need assistance, consult a lawyer.

Financial Assistance

Having Trouble Making a Payment on Time or Other Financial Difficulties? We understand that financial hardships can be a difficult and challenging experience for anyone. Whether it is due to unexpected expenses, job loss, or other circ*mstances, struggling to make payments can be stressful. It is important to remember that you are not alone, and we are available to provide support and resources. If you need assistance, call our Financial Risk Management team at (800) 433-9727, option 7.


Debit Card Dispute Form

Visa Affidavit of Unauthorized Use

Home & Auto Insurance Policy Address

Home and Auto Insurance Policies are to include the following address for Lienholder/Loss Payee:

AltaOne Federal Credit Union
Control #4171
PO Box 58610
Tukwila WA 98138

The borrower or their insurance agent may submit insurance declarations at www.myinsuranceinfo.com.

Please be advised: Should the borrower fail to maintain the required insurance throughout the life of their loan, the lender may (but shall not be required to and without prejudice to its rights if it does not) purchase a policy for its own protection and pass the cost of the policy on to the borrower. The lender may, but is not required to, attempt to contact the borrower prior to purchasing the insurance. The lender may at its option, add the premium to the borrowers loan. This may cause an increase in the borrowers regular payment.

Loan Payment Options

There are many ways to make a payment to your AltaOne loan:

  1. Log in to your online banking, select "Menu," Transactions," and then "Add External Account." Once you are there, enter your routing and account number for your other institution. Once the deposits are there, within 3-5 business days, select "Verify External Account" and then enter the micro-deposit amounts. Then you can complete a transfer from your share to your loan.

  2. Contact your other financial institution and see if they offer a Bill Pay service. You will just need your routing and account number for the loan to set up the automatic payments. Your AltaOne routing number is 322274462 for all accounts, and you can find the loan number by selecting the loan on the homepage of your online banking, and it will be listed in the account summary.

  3. You may mail your payments directly to our corporate office in Ridgecrest. Our standard mailing address is PO Box 1209, Ridgecrest, CA 93556, and our overnight address is 701 S. China Lake Blvd., Ridgecrest, CA 93555.

  4. You may come into the branch to make a payment via cash or check. You may also pay via card; however, this also charges a cash advance fee.

  5. We can send a form to set up recurring payments. Your payment amount will be deducted from your other financial institution automatically on the same day of every month.

  6. You can have funds deposited into your account as a direct deposit from your employer. They would just need the routing and account number for the Main Share. Once the funds are available in the Main Share, you would need to complete a funds transfer within the online banking; you may call us to do this transfer, or you can set it up to recur from your online banking.

  7. You may call us directly at (800) 433-9727.

  8. You can pay your bill online, by clicking the ‘Make A Payment’ link in the top right corner of this page.

    Please note that both options, 7 and 8, may have an $8.00 fee associated per payment.

Online & Mobile Banking

Most questions about Online & Mobile Banking can be answered by visiting our .

Wire Transfer / Wiring Instructions

Receiving Financial Institution Information:

AltaOne Federal Credit Union
701 South China Lake Blvd
Ridgecrest CA 93555

Routing Number:

Phone Number:
(800) 433-9727

Account Number:
Savings: Your Savings Account Number.
Checking: Your full Checking Account MICR Number (This can be found at the bottom of your personal checks, or in Online & Mobile Banking by clicking ‘Details & Settings’ while viewing your account history. The number will be noted as ‘Direct Deposit Account Number’. Use the full number listed.)

AltaOne does not have a SWIFT Code. Please use our Routing Number: 322274462

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FAQs | Frequently Asked Questions | AltaOne FCU (2024)


What is AltaOne routing number? ›

Your AltaOne routing number is 322274462 for all accounts, and you can find the loan number by selecting the loan on the homepage of your online banking, and it will be listed in the account summary.

Where is AltaOne Federal Credit Union headquarters? ›

For payments and correspondence, use our Corporate Mailing Address: AltaOne Federal Credit Union, PO Box 1209, Ridgecrest, CA 93556).

What is the phone number for AltaOne payment? ›

Keeping your account information up to date is important. You can access and/or update your personal information in connection with your account or application by logging on to your account online or telephoning our Call Center at toll free at 1-800-433-9727.

How much is the overdraft fee for AltaOne? ›

We may charge overdraft fees when there is not enough money in your account to cover your transactions. Overdraft and non-sufficient funds fees (NSF) at AltaOne are $30 per transaction—and this can add up if you are not careful. Nationwide, the average overdraft/NSF fee is $35 per transaction.

What is routing 121000248? ›

The domestic and international wire transfer routing number for Wells Fargo is 121000248.

What does ACH routing number mean? ›

The acronym ACH stands for Automated Clearing House , and like ABA routing numbers, ACH routing numbers are nine-digit numbers unique to their respective financial institutions. Unlike ABA routing numbers, ACH routing numbers are used for electronic transactions between financial institutions. 1.

How big is Altaone FCU asset? ›

With 56,000+ members and assets exceeding $800 million, our family keeps growing, thriving, and making a positive impact.

How do I contact Altaone 24 hour customer service? ›

To report a lost or stolen Debit or Visa Card, contact the Call Center during business hours at (800) 433-9727. After hours: Contact the Credit Card Services Center at (877) 968-2535.

How many locations does OneAZ credit union have? ›

OneAZ Credit Union is a member-owned financial institution serving over 160,000 members with 20 branch locations across Arizona.

What is the external transfer limit for Altra FCU? ›

Outbound Transfers (from your Credit Union account into your account at another financial institution) have a $2,000 per transaction limit; $2,000 per 24 hours. Outbound transfers are typically credited to your other account within two (2) business days.

How do I remove a payee from Bank of America? ›

You may change, add or remove the name of any payee or beneficiary anytime by visiting a financial center and providing us with proper written notice. Generally, the payee or beneficiary must survive all owners in order to receive their share of funds from a POD account.

What is the phone number for US bank auto payment? ›

All other loans and lines of credit: 800-USBANKS (872-2657).

How many times will I be charged an overdraft fee? ›

Also, banks cannot charge overdraft fees that are excessive or expensive; the fees must be “reasonable” and are limited in the number of times they can be charged. This means no more than one overdraft coverage fee per month and six per year, per account, by the terms of the proposed bank overdraft fees law.

Can overdraft fees be forgiven? ›

Yes, you can get overdraft fees waived at many financial institutions, but it may depend on the bank. Some banks may have a formal process for fee waivers or may provide auto-deposits from connected accounts. Here are some steps for getting overdraft fees refunded: Simply ask for a refund.

Will my bank forgive overdraft fees? ›

"Most financial institutions will refund the fee – as long as it is not a normal occurrence. We all make mistakes." That said, it's not a guarantee. To get your overdraft fee waived, you'll need to do a bit of negotiation.

Is ACH routing number the same as routing number? ›

Is my routing number the same as an automatic clearing house (ACH) routing number? Yes. Your bank routing number is the nine-digit number associated with your checking account. The term ACH just refers to the method in which the money is moved.

How do I identify a routing number? ›

Where is the ABA Routing Number on my checks? You can find the ABA Routing Number at the bottom of your checks. The ABA Routing Number is the left-most number, followed by your account number, and then by the number of the check.

Whose routing number is 041000124? ›

The routing number for PNC Bank in Ohio, United States is 042000398/ 041000124 for checking and savings account. Click here to see routing number for PNC in other states.

Which routing number is 124303120? ›

The Green Dot Bank routing number is 124-303-120.

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