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FAQ

Savings/Checking Accounts

YES! Deposits are federally insured to at least $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States Government.

For more information on the security and coverage of NCUA insurance on all of your savings at ARC or to calculate your share insurance coverage, please click here.

Yes, it's easy:

Reorder Checks

You can access your personal or business accounts and perform transactions by using our Voice Response at (814)946-0857, option 2. This is available 24/7 with no fees. We also offer online access to account information with no monthly fee. To obtain this service, complete an online banking application for your personal or business account. Once your application is submitted and approved, you will receive an email with instructions on how to log in to Online Banking.

The funds are available for your use after the date printed on your receipt.

Each time the check is presented for payment and there is insufficient funds in the account to pay the check, the account is charged a fee of $35.00 and the check is returned to the payee. Checks can be presented for payment twice to ARC and may not be presented a third time.

You can use this card as credit or debit and the funds will both be deducted out of your checking account. We suggest you use "credit," these transactions are processed by MasterCard and debit transactions are processed by our ATM processor. Credit transactions allow for more "charge-back" rights in the event of fraud and don't hold additional funds in your account.

The time it takes a check to clear your account largely depends on how quickly the payee presents the check for payment. If the payee presents the item for payment as an ACH it can clear your account the same day. On the other hand, a check can be held for payment up to one year and still be presented for payment. The best way to avoid any problems and/or fees is to make sure the funds are in your account and available for payment before you write the check.

When a deposit is placed into the night depository, located at either branch, it is placed into your account the next business day after 9:00 AM.

Direct deposits are received from the Federal Reserve Bank by our processor by 6:45 AM and posted to your account by 7:00 AM on the date the vendor specifies for deposit or withdrawal. In cases of withdrawals, it is important that the funds are available in your account by the close of the business day BEFORE they are to be withdrawn.

Occasionally, there are times that there are delays in processing the ACH files, i.e power outages, processor delays, or Federal Reserve delays. We make every effort to post the ACH files as quickly as we can to avoid any inconvenience to our members.

That is a hold that the merchant put on your account to make sure you have enough funds to cover the transaction. To avoid this temporary hold, push "credit" at the pump instead of "debit." By choosing "credit" the hold amount is only $1. These temporary holds usually fall off of your account within two business days.

As a credit union, you must fall within our field of membership to open an account with us. Luckily, our field of membership is always growing! Visit our Become a Member page to see if you qualify or call us at (814)946-0857, opt. 3.

A SEG is a Select (or Special) Employer Group. This is an employer or organization affiliated with the credit union whose employees or members are eligible for accounts/services with the credit union. Examples of some of our 20+ SEGs include: Bishop Guilfoyle Catholic High School, DelGrosso’s, and United Way of Blair County.

For a complete list of our SEGs, click here

To learn more about SEGs, or how your business/organization can become one, click here.

$5 and your valid photo ID. If the address on your ID is not current, be sure to bring your DMV-issued Change of Address form.

You can see our most up-to-date deposit rates here. 

View Rates

Your checking account at ARC is linked to your savings (share) account. If you have funds available in your savings account, our system will automatically move those funds to your checking to cover the charge. We can perform this Overdraft Transfer from savings to checking at no charge to you up to six (6) times per month. After the sixth (6th) Overdraft Transfer, you will be charged $3 for each additional Overdraft Transfer done that month.

If you do not have the funds in your savings to cover the charge, one of two things will happen:

  • Your Courtesy Pay coverage will kick in, allowing your account to be overdrawn for the amount of the item presented and charging you a $35 Courtesy Pay fee. However, the item presented to your account will be paid.
  • If you do not have, or have chosen to opt-out of, Courtesy Pay, the item will be returned to the sender unpaid and you will be charged a $35 NSF (insufficient funds) Fee. The merchant/individual who attempted to process the payment may also charge you a fee and may attempt to submit the item for payment again, possibly resulting in additional fees if funds have not been added to your account to cover the item and any previous fees.

If our standard Courtesy Pay coverage is not a product you are interested in, you can also talk to a loan officer about an Overdraft Line-of-Credit. This could also provide a small cushion for overdrafts for your account which may be more manageable for your financial situation.

Online Services

Yes, it's easy:

Reorder Checks

You can access your personal or business accounts and perform transactions by using our Voice Response at (814)946-0857, option 2. This is available 24/7 with no fees. We also offer online access to account information with no monthly fee. To obtain this service, complete an online banking application for your personal or business account. Once your application is submitted and approved, you will receive an email with instructions on how to log in to Online Banking.

Its Free! All you need to do is fill out an online banking application/form to get started.

To unblock your Bill Pay access you must call ARC at (814)946-0857, opt. 5

To unblock your Online Banking access you must call ARC at (814)946-0857, opt. 3

Immediately (same as the Voice Response Unit)

Loans

Definitely! All you need to do is click here to submit an online loan application.

Generally, if all the required information is provided, you should have a answer in less than 24 hours. (excludes mortgages and home equities)

You may apply for a loan as soon as we open your account.

ARC provides Signature/Personal, Auto, Visa Credit Cards and Mortgage loans as well as Lines of Credit and Home Equity Lines of Credit (HELOC) for members’ personal needs. We also offer Business Loans to help you as your business grows or your organization’s financial needs change.

Depending on the type of loan you are applying for, you may need different types of documentation. However, you should always expect to provide your most recent proof of income. This could include: pay stubs, tax returns, or award letters. If you have any questions, contact a loan officer at (814)946-0857 opt. 4.

You can see our most up-to-date loan rates here.

View Rates

Other Products/Services

No, you only need to complete one. We can then use a special stamp to complete the others.

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You can use this card as credit or debit and the funds will both be deducted out of your checking account. We suggest you use "credit," these transactions are processed by MasterCard and debit transactions are processed by our ATM processor. Credit transactions allow for more "charge-back" rights in the event of fraud and don't hold additional funds in your account.

You can see all of the fees that a member may be charged listed in our Fee Schedule

To stay up-to-date with the latest news at the credit union, follow us on Facebook, Instagram, and Twitter! You can find us @arcfcu on all three.

YES! If you will be traveling out of state, let us know. Our card services are designed to flag any out-of-state transactions as suspicious if they haven’t been pre-authorized. This could potentially mean having your card blocked while you are out of town, which is a travel hassle that no one wants to deal with.