For your convenience, we’ve compiled a list of frequently asked questions to help you understand your
accounts and financing options. Select a category on the left to find more information.
The available balance takes into account any pending transactions. For example, if my account balance is $100 but I have a $25 pending debit card transaction, my available balance is $75.
The MICR number is the number needed for any automatic deposits or withdrawals. You can find it on the bottom of your checks, or in digital banking, you can click on the checking account and look at account details to find the MICR number.
In digital banking (online or mobile), you can click on Apply for Loan/Open account, and then check your status by clicking on Check Application Status.
Yes, please. Our fraud detection service looks for unusual spending patterns and may see an out of state purchase as possibly fraudulent. If we see something that looks unusual, we will attempt to contact you via text message and email. Before traveling, it is a good idea to contact us to set a travel alert on your account. That way, our fraud system will know to look for out of state travel. In addition, the most secure payment method is to use your chip when making a purchase at all merchants who accept it.
Current rates for all of our financial products and loans are available on the amfirst.org rates page.
You may also choose to visit a branch or call our member service center for rate information.
Please contact our Wire Transfer Department at 205-320-4106. The cutoff time for outgoing wires is 3:00 pm CST and incoming wires are posted up until 4:00 pm CST. To initiate an outgoing wire transfer a wire agreement must be completed with a wire 6 digit security code. The code can be any 6 digits you choose, letters or numbers. Please be advised, we do not directly send or receive wire transfers from foreign institutions. All international transfers must be routed through a domestic third-party bank with a swift code.
This calculator is provided by America’s First Federal Credit Union (AmFirst) and is intended solely for general information and educational purposes. This calculation is based on the information you entered for illustrative purposes only and is not a loan application, nor does use of the calculator guarantee loan terms or approval . All loans are subject to credit approval. Actual monthly payments may vary depending upon loan type, other possible fees, and your credit worthiness. Not all borrowers qualify for the best rates. The results of using this calculator may not be applicable or accurate with regard to your individual circumstances. This calculation reflects amounts in U.S. Dollars.
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