We tried to think of everything! But if you have more questions reach out to us in any of the ways listed below and we will be happy to help you.
Both of these items can be handled by our Help Center, please call 801-399-9728 locally, 888-978-9728 toll-free. You may also send a message though our Contact Us form online or via Messages within Online Banking. Messages received will be returned as soon as possible.
We are open 9:00am-1:00pm drive-through ONLY.
For a personal account you must live, work, attend school, worship or volunteer within our geographical boundaries of Weber, Davis, Morgan or Box Elder counties.
For a business account, the organization must be located in Weber, Davis, Morgan, or Box Elder Counties or an organization may become a member of the credit union if a majority of the shareholders, partners, members or owners thereof are eligible for membership in the credit union.
Our ABA routing number is 324377710.
Yes, every branch has notaries available, free of charge. We do not however offer the Medallion Stamps.
In most cases the answer is yes, however, ACU may decline this service based on account history and other factors. Both parties must be at the branch with their ID’s to complete the transaction unless the check is written to a minor child.
If you have enrolled in online banking, click the ‘Services’ tab and choose ‘Check Reorder’. If you would like to reorder in person, visit a local branch and we will gladly help you select a print and place your order.
Online Bankers: Click the ‘Settings’ tab and choose ‘Address Change’.
Non-Online Bankers: We require a signature to complete any portion of an address change. You can visit a branch to complete this or send the notified form to Ascent Credit Union, 4140 Harrison Blvd, Ogden, UT 84403.
Fraud dispute: If you see transactions on your account that you did not authorize or recognize, you need to complete these steps:
Unauthorized transaction Dispute:
You’ll need to file a dispute directly with the merchant for any of these reasons:
For further assistance, please call us at 801-399-9728
Your statement is available through your online account if you are enrolled in E-statements. You can also request a copy of your statements by visiting a local branch a fee of $2 per statement applies.
Your tax forms are available through your online account if you are enrolled in E-statements. You can also request a copy of your tax forms by visiting a local branch. If you are enrolled in E-statements, you will have access a couple of days before your mailed copy arrives. You should receive mailed copies by early February.
Your account number is located on your statements and on the bottom of your check (the second set of numbers). You can also contact us for your account information. For security purposes, you will be asked to verify several things before we can release your account number to you.
You can add or remove joint account holders by visiting a local branch and completing the Account Change form. All joints on the account must sign to add or remove other joints.
You can complete the paperwork at home and send in the mail or through your online account. If completed at home, all signatures must be notarized.
Loan applications can be started at any branch location, over the phone, or by applying online. You don’t have to be a member with us to start the application process. The process to apply is seamless and takes less than 10 minutes.
Loan applications can be made in person at any branch location, online, and over the phone.
You can apply in as little as 10 minutes and a loan officer will contact you once we have received your application.
Our business loans can help you turn your entrepreneurial dream into a reality. And we’re with you every step of the way, with a full package of business solutions to fit your needs.
Currently, we offer loans for 1-4 unit rental properties; multifamily (5+) rental properties; owner occupied office, retail, industrial; and non owner occupied office, retail, and industrial properties.
To speak with our Business Services Advisor about starting your business, call 801-399-9728
Loans have individual qualifications and we have options depending on your credit situation. Applying is fast, easy and free and our loan staff will work with you to look for opportunities to get your loan request approved.
The application process includes gathering pertinent information, underwriting, informing you of your offer, signing, and funding.
Please be prepared to provide proof of income, proof or residency, and in some cases proof of insurability, this will ensure your application gets processed in a timely manner. Other documentation required may include a photo ID, your social security card, or tax returns (self-employed). We strive to have your loan approved as quickly as possible so please make sure the necessary information is available promptly.
You can check the status of your loan by calling 801-399-9728 locally, 888-978-9728 toll-free, or visit a local branch.
If you don’t qualify on your own, adding a co-signer may help your application. We’ll let you know if a co-signer will help you in your situation.
You can come into the branch and pay with cash, check, or we can process cash advance off of your other cards. Our Help Center can take a Debit Card payment over the phone with a $5 fee per transaction. Create an online transfer from ACU acctount or through External Transfer. ACH payment is also available if you want us to automatically draft another financial institution. We require a form request and a copy of a voided check or copy of account statement to confirm account ownership.
You can find out your loan payoff amount by visiting a branch, contacting us, or logging into your account via online banking. Once logged in, click on the loan and find the “Details” icon, the payoff information is for the present day.
The funds need to be available in your designated account on the due date. The system will attempt to debit from the account at the beginning of the business day on that date.
If the funds aren’t available in the account on the date the system attempts to debit, you will need to transfer the necessary additional funds into your account. Call us at 801-399-9728 or make a transfer through Online Banking.
In branch: $200 will be available by the next business day. Otherwise, most checks are available within 2 business days.
ACU ATM: The deposits are reviewed daily Monday through Friday. Generally speaking all or part of the funds are available by the end of business day if the deposit was made before 4 PM.
non-ACU ATM: Funds will be available after 7 days. To have the funds released earlier, call the Help Center at 801-866-9728 to have the check reviewed.
Mobile Deposit: The first $500 is available immediately after the check has been processed. If the image is received before 4:00 MST, it is considered for same day processing. Otherwise, it will be in the next day. Funds deposited using mobile deposit will generally be made available in three business days from the day of deposit.
ACU reserves the right to shorten or extend holds based on factors such as the length and extent of your relationship with us, transaction and experience information, and such other factors that ACU, in its sole discretion, deems relevant.
We can setup an automatic transfer to another financial institution with a voided check and a signed form. This can only happen on the 5th, 10th, 15th, 20th, 25th, of the month. It costs $20 to setup and the name on the destination account must be the same as the origination account. In other words, you cannot do an ACH to deposit money into your brother’s account once a month, it must go to an account that you personally own.
If you are transferring to a friend or family member’s account (at another financial institution), especially on a recurring basis, using our E Pay or Send Money features will work best.
If you are transferring to a friend or family member’s account (here at ACU), especially on a recurring basis, M2M Transfer or setting up a transfer in branch (that isn’t an ACH transfer) will work best.
Wire requests submitted after 1:00 PM MT will be processed the following day. Keep in mind that there is a $20 fee to send a domestic wire and a $45 fee to send an international wire. Please be ready to provide wiring instructions.
Before using the ACU online banking services, you must register your account by accessing the ACU home page and clicking on “Enroll Now.” Once this step is completed successfully, you will be able to access your account via online or mobile app.
A secure access Codes is a six digit number that is delivered to you via e-mail, phone call by an automated attendant or SMS text (if ACU does not have your current mobile number, you cannot receive this code by text). This process takes the place of challenge questions and personal security images.
This secure code is a step to verify that the person requesting access to the account is the owner of the account. The code must be used within 15 minutes of receiving it and each time you access e-Branch via a new computer or mobile device, an access code will be required.
Choosing ‘Register Device’ authorizes ACU to store a security certificate on your computer which will speed up the verification process in the future by eliminating the need to use a Secure Access Code on each login. Don’t register the device if you are using a public computer. If you delete the security certificate or “cookie” that we’ve stored on your computer, or if you request logins from a computer or device that has not been registered, you will need to repeat the Secure Access Code process in the future.
Accounts that have been open for 90 days or more are eligible to request access to Mobile Deposit and you must first register for Mobile Deposit in the app.
Mobile deposits are processed twice a day – once at 10:30 AM MT and again at 4:30 PM MT.
The current daily limit is $2,000 per business day. The current monthly limit is $10,000 per statement cycle. This also a limit of 10 per statement cycle. More than 10 deposited checks incurs a $2 fee per deposited check.
Verify that you have not already submitted the check. If you have not, exit the app, log in again, and attempt to make the deposit.
The first $500 is available immediately after the check has been processed. If the image is received before 4:00 MST, it is considered for same day processing. Otherwise, it will be in the next day. Funds deposited using mobile deposit will generally be made available in three business days from the day of deposit. ACU may make such funds available sooner based on length and extent of your relationship with us, transaction and experience history, and other factors at ACU’s sole discretion.
Please call us at 801-399-9728 locally, 888-978-9728 toll-free, Monday-Friday, 9 am – 6 pm or Saturday from 9 am to 1 pm MT and a Help Center Representative will be happy to help you. You can also stop by any branch during regular business hours for instant issue cards. Instant issue cards are for the person requesting only, joints cannot request for other joints.
You can call us at 801-399-9728, submit request via online banking or visit your local branch. We will need your travel dates for each destination, states/countries you will be visiting, and a contact phone number.
Be sure to take our debit card fraud monitoring service direct phone number on your travels in case your card doesn’t work. You may call 24/7.
During business hours 888-978-9728
After business hours 800-237-8990
Interest is calculated by multiplying the Daily Periodic Rate, the number of billing days, and the Average Daily Balance. The Daily Periodic Rate is the Annual Percentage Rate (APR) divided by the number of days in the year. The Average Daily Balance is calculated by adding the daily balances of the entire billing cycle and dividing by the number of days in the billing cycle.
The statement APR can be larger than the card agreement APR because the statement APR includes any transaction and late fees. When one or both of these apply to the credit card, the APR will be calculated to reflect these finance charges.
All credit cards will be assessed a transaction fee for every cash advance. The transaction fee is the greater of 1.5% of the cash advance or $3.00. In addition to the transaction fee, interest begins accruing the same day the cash advance is taken.
A late fee of up to $25 is posted posted to your account if minimum payment has not been received by close of day on the 26th of the month. If the 25th falls on a weekend, members are given an extra day.
Members should pay their statement balance by the 25th of the month in order to avoid finance charges. If members fail to completely pay off the statement balance by close of business on the 25th, their account will be assessed interest on the next monthly statement.
If members pay the statement balance before close of business on the 26th but after the 25th, they would avoid the late fee but will still be assessed interest on the next statement.
The minimum payment includes three numbers: the greater of 2% of the balance or $25.00, any amount of prior minimum payments not made, and any amount above the credit limit.
Most often, the minimum payment will simply be the greater of 2% of the balance or $25.00.
Minimum payments must be made in the first 25 days of the billing cycle. Any first or additional payments made between the 25th and the end of the billing cycle do not eliminate the penalty of late fees. For example, an additional payment made on the 27th does not count towards the next month’s minimum payment. Instead, the minimum payment must be made between the 1st and the 25th.
The initial balance you saw was the interest calculated at the end of the previous month. Interest also accrues from the beginning of the month to when you pay it off. This is call cutoff interest. It is the interest that will be accrued at the end of the month when a statement balance has been carried over from past months or cash advance interest for the current month. This interest won’t normally appear on the account until the end of the month.
Yes. It takes two transfers. Interest and balance can be viewed in Account details, but when making the necessary transfer, online banking requires the payment to be completed in two separate transactions.
The normal order of payment is 1) unpaid purchase interest, 2) unpaid cash advance interest, 3) purchase principle, and 4) cash advance principle. To pay cash advances off first, call our Help Center or visit a branch for assistance.
You have 60 days from the billing date to dispute a statement error.
Go2 cards have an annual fee of $50. It is waived when members have a total monthly direct deposit of $250. You were assessed this fee because within the last 12 months there was at least one month that did not meet the required $250 minimum direct deposit.
Please submit a credit application via online banking, send a request through Messages wtihin Online Banking, calling the Loan Department at 801-399-9728, or visiting your local branch.
Easy, visit our website and click on the Scorecard Rewards link to cash in your points for merchandise, travel rewards, and gift cards.
Members of the VIP Club receive a 0.15% increase on their CD rates and become eligible for VIP Money Market rates. To qualify for the VIP Club, check this page.
Our insurance products and programs are made available through TruStage Insurance Agency. These services are underwritten by CMFG Life Insurance Company amongst other leading insurance companies. In an effort to offer a variety of coverage at affordable rates, we authorized TruStage to offer their products to our members. Ascent Credit Union values your privacy and along with TruStage, we hold a strong commitment to protect member information. Feel confident in knowing that TruStage has significant resources to manage and protect member data. If you wish to be removed from future mailings, please contact the TruStage Insurance Program Support Team at 800-428-3932, extension 4632007. Please note: It is not possible to suppress a name from a mailing that is already in progress. Due to processing and printing time, it takes approximately two months for suppressions to affect mailings.
You can visit their website at TruStage.com or call the toll-free number 1-88-TRUSTAGE 888-787-8243. The phone representatives will discuss your life situation and recommend plans that will help you accomplish your goals. They’ll suggest some appropriate TruStage Insurance products, but the choice to buy is completely yours. No pressure – just information to help you make an informed decision.
For urgent matters. Hours / M-F: 9-6 / S: 9-1
801-399-9728For out-of-towners. Hours / M-F: 9-6 / S: 9-1
888-978-9728For off hours questions and help. For security purposes, do not include account numbers.
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