Welcome To The Web Site Of Atlantic City Firemen's Federal Credit Union.
The Atlantic City Firemen's FCU is a not-for-profit financial cooperative that is owned and operated by its members. We provide our members with a long list of convenient, money-saving products and services to make conducting their financial affairs easy and affordable. You can find out more about these products and services, research our current rates and get other important credit union information by browsing through this web site.
Merger Proposal Update
July 15th at 4:15 PM Update:
NCUA has informed us that members will not be able to vote at this Saturday's Informational Meeting.
July 15th at 3:15 PM Update:
NCUA has just authorized us to change the voting procedures on this proposal to include Mail-in Ballots. This will require a new special date and new member mailing. As a result the meeting scheduled for this Saturday July 18th is no longer the special meeting. We will however continue to hold the meeting to serve as an informational meeting. If NCUA permits (we are still waiting for an answer on this) members attending will be permitted to vote at that time. Please keep in mind this is not the only opportunity you will have to vote or attend a meeting as the Special Meeting of Members will be rescheduled to accommodate these additional voting procedures.
As of July 10th: Last Tuesday (7th) after receiving calls from members seeking additional information about the merger proposal and in some cases hearing their disappointment that they would be unable to attend the special meeting the board decided to request a change in the procedures.
This merger process is established by NCUA, the National Credit Union Administration and has very specific procedures and time lines.
On the 7th we contacted NCUA and requested the necessary waivers and exemptions to allow for expanded voting opportunities and also an expanded deadline for the vote and if approved completion of the merger. As of Friday (10th), we have not received any decisions from NCUA. We are very hopeful that we will hear from NCUA soon and that our requests will be granted.
Depending on their decisions we will make the appropriate modifications to accommodate you our members. This may even result in a postponement of the Special Meeting until a later date.
Please check here for updates and if our requests are granted we would expect to provide an additional mailing to you the members.
Informational Meeting July 18, 2015 to discuss a Merger Proposal
Your Board of Directors recently announced plans to merge with Jersey Shore Federal Credit Union. The Board of Directors and Management Staff initiated this merger because the credit union world is becoming increasingly regulated, competitive, and consolidated. This is a proactive step by two financially sound credit unions to capitalize on our strengths, which are:
• Atlantic City Firemen’s Federal Credit Union and Jersey Shore Federal Credit Union share the same “People Helping People” philosophy and community values.
• Jersey Shore offers more locations with extended weekday and weekend (including Sunday) hours to serve you better. Plus, you’ll have access to 55,000 surcharge-free Allpoint™ ATMs worldwide, including local Wawa and 7-Eleven® stores.
• The new combined credit union will be larger, and therefore have the advantage of economies of scale. This means, among other things, more competitive lending and deposit products, and updated technology. This includes expanded home banking and mobile banking products along with future plans for online account opening and remote deposit capture, where checks can be deposited using your smartphone and other electronic devices.
• You will see the same friendly staff you’ve come to trust at Atlantic City Firemen’s, and meet new staff eager to serve you at Jersey Shore.
We are asking for your support and encourage you to vote in favor of the plan to merge with Jersey Shore Federal Credit Union. This packet also contains a Notice of Special Meeting, Sample Ballot for Merger Proposal, and a Summary Plan of Merger, including individual and consolidated financial statements of both credit unions.
Vote in person at the Special Meeting of the Members scheduled for Saturday, July 18, 2015, at 2 PM.
We thank you in advance for your support. Please do not hesitate to contact us if you have any questions after reviewing the enclosed materials.Click on the links below to review the Summary of the Merger Plan, the Merger Notice and the Sample Ballot.
John W. Collette, Jr. Steven Schlundt
Atlantic City Firemen’s Board Chairman President/CEO
On Sunday May 17th, 2015 our vendors will be performing their quarterly system maintenance. The maintenance will begin at 3:00 AM and is expected to last until 7:00 AM. During this period Home Banking and Voice Response systems will be unavailable. Debit Card authorizations and transaction activity may also be effected.
Coming to a Branch Near You – With Shared Branching
Personalized service is a major benefit of banking at Atlantic City Firemen’s Federal Credit Union, and you don’t have to sacrifice convenience to get it. Take advantage of Atlantic City Firemen’s Federal Credit Union’s shared branching services through CO-OP Shared Branch and you can access your account at any of 5,100 credit union branches nationwide, often just as if you were visiting one of our own.
The national CO-OP Shared Branch network links participating credit unions electronically, allowing credit union members to do “branch banking” even when the branch near you doesn’t belong to Atlantic City Firemen’s Federal Credit Union. This is a huge benefit to Atlantic City Firemen’s Federal Credit Unionmembers who travel, whose workplaces don’t coincide with our branch locations, or who simply enjoy the convenience of expanded access. Wherever you are across the country, chances are good there’s a shared branch near you.
Shared branching is yet another example of credit union membership offering the best of both worlds—individualized attention and nationwide availability. The cooperative spirit of credit unions allows them to work with each other in ways that competing banks typically do not. Visit www.co-opsharedbranch.org or download the Shared Branch Locator app for iPhone or Android to find branches nearest you. You can also look for the “CO-OP Shared Branch” logo on the door of any credit union branch.
At a CO-OP Shared Branch location you can:
Make deposits and withdrawals
Make loan payments
Receive loan advances
Access VISA® or MasterCard® funds
Many shared branches also offer transfers, statement histories, money orders, traveler’s checks and notary services. Since services vary from one location to another, check with individual branches before your visit for a complete menu of available services.
In order to gain access to these shared branching services, all you need is:
1. Your credit union's name- Atlantic City Firemen's Federal Credit Union
2. Your Account and Suffix Numbers
3. Valid government-issued photo ID
When You Need an ATM, a Bigger Network is Better
Surcharge Free is Even Better
When you need convenient ATM access without paying a surcharge, a bigger network is better. Atlantic City Firemen’s Federal Credit Union is pleased to belong to the CO-OP ATM network, the largest credit union-owned ATM network in the United States. The CO-OP ATM network operates nearly 30,000 surcharge-free ATMs across the country for the benefit of credit union members. How convenient is that?
Anyone who’s had to wander from place to place searching for an in-network ATM knows the value of more locations. CO-OP ATM network locations are found in credit union branches, supermarkets and 7-Eleven® stores, as well as a multitude of freestanding locations. Simply put, they’re everywhere. And they are always surcharge-free for [your credit union] members.
What’s even better than surcharge-free ATM access? How about choice? Suppose you’re standing in front of an ATM that doesn’t belong to the CO-OP ATM network and you really need the funds, regardless of surcharge. Your [your credit union] ATM card also works at ATMs worldwide, because CO-OP Network has links to NYCE, STAR, Cirrus, Pulse and Plus. You get the best of both worlds: the largest network of fee-free ATMs and expanded choices when fees are not an issue.
The CO-OP ATM network isn’t just bigger; it’s better. It’s designed strictly for the benefit of its credit union members—no collecting fees in order to turn a profit and no making money at your expense. Because credit unions and the ATM network they support are owned by members, the dividends (convenience, free access) are yours. It’s the largest surcharge-free credit union ATM network on the planet—and it belongs to you.
Members have reported receiving emails from NCUA (National Credit Union Administration), NACHA (Electronic Payments Association) and other official organizations about Credit Card Accounts, Debit Cards, Wire Transfers and ACH Transactions. You will not receive any emails or other communications from these organizations or agencies, they are fraudulent. They do not have access to your account or personal information such as email address or phone number.
If you are unsure about a request you receive
please give us a call at 609-272-1000.
Attention Business Account Members
Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006
The UIGEA, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. The Dept of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act.
As defined in Regulation GG, unlawful Internet gambling means to “place, receive or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made”.
As a member of Atlantic City Firemen's Federal Credit Union, these restricted transactions are prohibited from being processed through your account or banking relationship with us. If you do engage in an Internet gambling business and open a new account with us, we will ask that you provide evidence of your legal capacity to do so.