News, events, and useful financial information from APCO Employees Credit Union.

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EMV Cards 6 things you should know about the new technology

APCO Employees Credit Union has begun distributing debit cards equipped with chip technology. Your new debit card will offer an added level of security and fraud protection when used at a chip-activated terminal.

While many merchants and ATMs have already switched to chip-activated terminals, some are still in the process. Not to worry – you’ll be able to use your chip card in all of them.

All eligible Credit Union members will be issued a new EMV debit card between now and April 2017. These debit cards will have a new card number that is different from your existing debit card. Your new card and PIN verification will arrive separately. Please pay close attention to your mail so you don’t miss your new card.

In the meantime, please read below for answers to frequently asked questions.

Why change to an EMV chip card? What’s the benefit?

EMV chip cards provide enhanced security. Unlike magnetic stripe cards, when an EMV card is used for payment, the chip creates a unique code that cannot be used again. If there is an attempt by fraudsters to duplicate the code, the transaction will be denied.

How do I use my EMV card to make a purchase?

Easy – insert your EMV card face up in the chip-enabled terminal. You should know that your credit or debit card will remain in the terminal while your transaction is processed. Transactions conducted over the phone or online will remain the same.

Will I have to sign or use a PIN for my transactions?

It will depend on your EMV card. Chip and PIN cards operate just like debit cards. Most EMV will be chip-and-signature cards, similar to your credit card.

Will my EMV support near field communication (NFC) processing?

Yes, EMV cards can be used for contactless card processing.

Can I use my EMV chip card for travel?

Chip technology is already in wide use around the world. This makes traveling locally and internationally a breeze.

What if a retailer doesn’t support my EMV card?

No problem – You may not have the option to use your EMV chip card while making certain purchases. This is why EMV cards will initially include both a chip and a magnetic stripe to allow merchants time to adjust to the change.

If you have any questions, you may contact us online at or visit your favorite branch location.


Everybody loves summer, right? School is out. Students are graduating. Friends are getting married. And everybody’s thinking about vacay! Trouble is, the costs for all that fun can add up and sink your savings goals in the process. The good news is that with a little planning,  you and your family can enjoy all that summer has to offer, without busting your budget.

Here Are Some Ideas:

Visit During the Off-Season. If you couldn’t swing Thanksgiving in Arizona or Christmas in the tropics, summer is your time to visit. Destinations like these, that draw big crowds in winter, tend to slow down in the hotter summer months. If you can take the heat, you can snag some great deals during the off-season.

Rethink Movie Night. Put that carpool to good use and catch the summer blockbusters at the drive-in. Old-fashioned drive-ins still exist, and sometimes cost less than a show at the movie theater. Summertime is a great time to find free movie showings at the park or other venues. Check your local publications to see if there are any free movie events near you, or alternatively, stay in and rent a movie.

Skip the Cash Gifts. While it’s true that cash is a one-size-fits-all gift for new grads, it’s not very personal. If you have lots of students to remember, you could easily zero-out your checking account. Instead, consider giving each of the students in your life a book that’s been influential in your life.

Take a Staycation. Become a tourist in your hometown. Make a list of all the activities you’ve been meaning to do and get out there and do it! Take a camping trip to a nearby state park, or spend the weekend at a local resort with friends. You might be able to find some last minute deals that make the stay affordable. For events happening throughout the state, visit

Make it a Potluck. Backyard barbecues are a summer staple, but when you’re footing the bill for everybody’s burgers, sides, drinks and desserts, the tab can run a little high. Next time you play host, ask each of your guests to bring something. Most people love to pitch in on a party, and even non-cooks can help by bringing things like soft drinks, ice, and disposable dinnerware.

Copyright® 2016 Balance

Credit Union Charity Golf Tournament Set For October 10.

Your Credit Union is pleased to sponsor the 12th Annual APCO Credit Unions For Kids Charity Golf Tournament benefitting Children’s of Alabama. The tournament will be held on Monday, October 10 at the Grayson Valley Country Club in Birmingham. You are invited to play and all profits will go to Children’s of Alabama.

Deadline for entries is Friday, September 30, 2016. Entry forms will be available online and in branches starting August 1. If you have any questions, please contact Danna Horne at 205.226.6916. Prizes will be awarded for best scores and there will be a drawing prize for everyone. See you there!

Mobile Banking is Convenient to Use and There when You Need It. 

With your Credit Union’s Mobile Banking App, making mobile deposits is easy. Now you can deposit checks into your accounts at any time from any place. Whether you’re traveling the world or having a staycation, rest assured that remote deposit capture is available right on your mobile device and tablet.

Here’s what else your Credit Union’s App can do:

  • Check balances on share and checking accounts
  • See available credit for credit cards and lines of credit
  • View transaction history
  • Instantly transfer funds between connected accounts
  • Find the closest Credit Union branch or ATM

Mobile Banking from APCO Credit Union is safe, secure and available at no charge. If you are not already enrolled in your Credit Union’s Online Banking, visit us at HERE and enroll today.

Let your family in on a good thing – Credit Union membership. Have your relatives stop by or call and join today. Or, visit us online HERE.

New Car? Get a 1.9% APR interest rate on a new car loan for up to 60 months.

Traveling this summer? Be sure to let your Credit Union know when you plan to be out of town. We want to make sure access to your money remains convenient and safe.

Reminder: Effective May 31, 2016 the APCO Rewards program concluded. All points issued through APCO Rewards may be redeemed at through August 31, 2016.

We all know the old adage, “Time is Money”. If you haven’t taken the time to consult with APCO Investment Services*, it could be costing you money. APCO Investment Services is a personal financial management service designed exclusively for APCO Credit Union members that provides a variety of investment programs that complement your savings.

We’re familiar with your financial situation in ways that a large, impersonal investment firm simply isn’t. Working with the investment services program located at our office, you’ll experience the same level of personalized service you’ve come to know and expect…top-notch financial and investment advice with the full spectrum of tools and options designed to help you achieve your dreams.

To learn more about APCO Investment Services, visit for valuable information about taking advantage of this service today.

*Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC. Not NCUA/NCUSIF/FDIC insured. May Lose Value. No Financial Institution Guarantee. Not a deposit of any financial institution.

Mobile Banking on Beach 672x323

Simply Connected.

Your smartphone goes where you go. And now, your Credit Union can too! With APCO Employees Credit Union, you have on-the-go convenience! Access your accounts any time, day or night. It’s simple, secure and free! Manage your money, check your balances and view transactions anytime on your mobile device.

How to Get Started

On your mobile device, visit the App Store or Google Play Store and search for APCO Employees Credit Union. If you already have access to your account online through your Credit Union’s Online Banking service, download the app and then login. The app will ask for your User ID and password – this is the same User ID and password you use for Online Banking.

Once you’ve entered your information, you may be asked a security question. The Multi-Factor Authentication questions and answers will be the same questions and answers you set up within Online Banking.

If you are not already enrolled in your Credit Union’s Online Banking, visit us at and enroll today. Once enrolled, follow the steps above to setup and use your Credit Union’s new mobile app.

Ready to get started?

Download the app for your mobile device:

Apple iPhone

Android Devices


Download the app for your tablet:

Apple iPad

Android Tablets


For over 40 years, Earth Day has represented a time for everyone to take a pause from their busy lives to think about how they can help make our planet a better place to live—and your Credit Union wants in on the action.

Throughout Earth Day week, April 17-23, 2016, APCO Employees Credit Union will donate $5 to Jones Valley Teaching Farm for every member who makes the switch from paper statements to e-statements.

Protect the planet and your financial information by signing up for e-Statements! There will be no more paper to shred or identity thieves sifting through your garbage. To enroll, log in to online banking and select Notifications under the Access Account tab. Then select e-statement selection options. It’s as easy as that.

So, quit wasting paper! Honor Earth Day 2016 by finally signing up for Online Banking and choosing e-statements!


This April, we’re showing young members why credit unions are the number one place for financial fitness. Follow along with your Credit Union on this blog and social media during the month of April as we give tips and tricks about how to talk to your kids about finances, and how your tikes can be Credit Union Strong.

You may now make a check deposit through remote deposit capture. With remote deposit capture, you make a deposit by taking pictures of a check’s front and back with a smartphone and sending the images to the Credit Union through its mobile banking application. For security reasons, there are deposit limitations on the deposit amount and number of checks deposited per day. The availability of funds from remote deposits to checking accounts is the same as regular check deposits. APCO may delay availability of funds deposited in accordance with its funds availability policy.

Remember, you have until April 15 to make contributions for the tax year 2015. Opening or adding to your APCO IRA is a great way to take control of your financial future. Call or stop by to talk with one of our IRA experts today.

Beginning May 1, your account can be charged a fee of $5 for each deposited item that is returned unpaid.

Your Credit Union’s bill pay system will be temporarily unavailable on June 14, 2016 for scheduled maintenance updates and upgrades. The bill pay system will be back online June 15, 2016. Thank you for your understanding and patience.

Effective May 31, 2016, the APCO Rewards program will no longer be offered. You will continue to earn points through May 31, 2016, and you will receive your final points certificate in June 2016. All points issued through APCORewards may be redeemed at through August 31, 2016.