Are savings/share deposits insured?

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.

Can I order checks online?

Yes, it's easy. Click here for more information.

How can I check my balances on my account when ARC is not open?

You can access your personal 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 on-line access to account information with no monthly fee. To obtain this services email us at memberhelp@arcfcu.org or call us at (814) 946-0857, option 3.

How long does it take to approve a loan?

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

How long must I be a member before I can apply for a loan?

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

How much does ARC's Online Banking service cost?

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

If a hold is placed on a check I deposited into ARC, when are the funds released for my use?

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

If I have multiple savings bonds, do I need to fill out each one?

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

What can I do if I block my bill pay access?

To unblock your on-line access you must call ARC at (814) 946-0857 opt. 3.

What can I do if I block my on-line access?

To unblock your on-line access you must call ARC at (814) 946-0857 opt. 3.

What happens when a check I wrote is returned?

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.

What is ARC's ABA Routing and Transit Number?


What is the difference between "credit" and "debit" with my ARC debit card?

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.

When do the share drafts clear my 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 I perform a transaction on the Online Banking service, how long does it take to register on my account?

Immediately (same as the Voice Response Unit)

When is my "night deposit" placed into my account?

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.

When is my direct deposit placed into my account?

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.

Why is there a large hold put on my account after I used my debit card at the gas pump? How do I avoid this fee?

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 fee, push "credit" at the pump instead of "debit." By choosing "credit" the held amount is only $1.