Frequently Asked Questions

Achieva’s routing number is 263182312.

Please visit our website at: and enter your username and password. Or you may download the Achieva App to any compatible iOS or Android camera-enabled device.

Mailing Address:
Achieva Credit Union
P.O. Box 1500
Dunedin, FL 34697

Overnight Payment Address: 
Achieva Credit Union
1659 Achieva Way, 
Dunedin, FL 34698

There are a few options to make a loan payment: View list of loan payment options in detail here.

  • Transfer- Payments can be made to an Achieva loan directly from an Achieva checking or savings account using the Classic Transfer option within Online Banking.
  • Check- Checks can be mailed to PO Box 1500 Dunedin, FL 34697. Payments by check can also be made by Mobile Deposit through our mobile app. Simply deposit the check into your Achieva savings account then, once the funds are available, transfer the funds to your loan to make your payment.
  • Bill Pay- You can use your bank’s Bill Pay service to schedule recurring or one-time transfers directly to your Achieva loan. You will need our routing number 263182312, your Member/account number, and our address PO Box 1500, Dunedin FL, 34697.
  • Linking your other Bank Account within Achieva Online Banking- You can link an outside account within Achieva Online Banking to make manual transfers or scheduled transfers for your loan each month.
  • ACH Transfer- We can schedule a one-time or recurring payment to your loan from your account at another financial institution.
  • In Branch - Payments can be made by cash or check at any branch location. Click here to find a branch
  • View list of loan payment options in detail here.

Achieva Credit Union members are now able to transact business at participating credit unions domestically and internationally. This service is only available to Achieva Credit Union members and does not allow for non-members to conduct business at Achieva Credit Union branch locations. Please use the locator link on this page to find a participating credit union location near you.

Access your Online Banking account and choose the ‘Transfer & Pay’ tab.

Yes. To make your trip as hassle-free as possible, notify us before you head overseas. Once we receive your notification, we’ll be sure that your cards are flagged and cleared for travel. You can provide notice by contacting us by phone or filling out the Contact Form with your location and dates of travel. You can also update travel information via Online Banking by choosing the “Accounts” tab and clicking the Card Management Tool. 

You can link accounts from other financial institutions via Online Banking. Log in to your online banking account. Click the ‘Accounts’ tab and from there choose the “External account” section.

You may find your username and reset your password by clicking Forgot your username or password and following prompts. (Please have account number, email address and SSN or TIN available). You may also call our Member Service Center at 800-593-2274 for assistance.

Yes, you can schedule a recurring transfer by selecting the frequency when setting up the transfer. You may also transfer money between your existing Achieva accounts via Online Banking. 

Mobile deposit is a service that allows a member to submit a check to Achieva for deposit via their smartphone or tablet device. This is done by capturing an image of the front and back of the check (via the camera on the device) to be deposited and then submitting the image to Achieva via the device. Mobile deposit is included in the Achieva app. 

To unlock your Online Banking account, you may choose the “Forgot Password” option on the screen that prompts you for your online banking password and follow the instructions to verify your information and choose a new password. You may also call into our Member Service Center during business hours and an MSA will verify your information and reset your password to restore your access.

You may enroll in mobile deposit via the Achieva App, which can be downloaded to your camera-enabled Apple iOS or Android device. Mobile deposit is not available via a computer or non iOS/Android device. There is no fee for the service; however, Achieva reserves the right to change this at any time. Once enrolled it takes one business day to use the service.

Apple App Store Link Google Play Store Link

To change your mailing address, you can visit any of our branch locations or contact our Member Services department at 727-431-7680 or 800-593-2274.

Yes. All accounts are eligible for Mobile Deposit, unless access is currently suspended by the Credit Union due to fraud, delinquent accounts, misconduct, etc. These requirements can change at the sole discretion of Achieva.

You may visit a local branch or Members can call 888-886-0083 to change or set their PIN. Reprinted cards have the same PIN associated as the original card.

Yes. In order to maintain prudent risk standards, limits and hold rules apply and are at the sole discretion of Achieva. The current daily dollar limit is $50,000.00 per business day for qualified users. All deposits are reviewed by Achieva for accuracy and can be held or rejected. Such limits will be reviewed and adjusted periodically at Achieva’s discretion. The member can contact Achieva with any questions about the deposit limits.

Call a member service advisor at 727-431-7680 to report fraud during business hours or visit a local branch. If it is after business hours call 866-529-1547. If the transaction is not fraudulent but you would like to dispute a charge please contact the merchant and if they do not resolve the issue call Achieva to start a dispute. (Once FINBOA active for self-service: You may also submit via Online Banking by visiting the ‘Card Management’ Tool and choosing the ‘Dispute a Charge’ tab. 

Enter the dollar amount and the eligible account to which the check will be deposited. Then snap a picture of the front and back of the signed check. The following checks are not eligible for mobile deposit per the User Agreement:

  • Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into.
  • Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
  • Checks payable jointly, unless deposited into an account in the name of all payees.
  • Checks previously converted to a substitute check, as defined in Federal Reserve Board Regulation CC.
  • Checks drawn on a financial institution located outside the United States.
  • Checks that are remotely created checks, as defined in Federal Reserve Board Regulation CC
  • Checks not payable in United States currency.
  • Checks dated more than 6 months prior to the date of deposit.

Mobile deposits made before 4:00 PM EST on a business day will be available between 5-7 PM EST. Mobile deposits made after 4:00 PM EST or on a non-business day will be available the following business day between 5-7 PM EST. Please note: Mobile deposits are subject to the same account funds availability policies as deposits made via other methods.

You may visit any of our branch locations to obtain an instant replacement debit card or call our Member Services department at 727-431-7680 or 800-593-2274 to have a card mailed to you, which can usually take about 5-7 business days for delivery. Fees may apply for rush card requests.

There can be a number of reasons for decline, even with available funds. For assistance please call our Member Service department at 727-431-7680 or 800-593-2274 during business hours. If after business hours please call 1-855-251-1795.

If registered for online banking you may find this information via the ‘Accounts’ tab under the E-Statements link. It can also be found on your monthly statement if mail is your chosen option. 

If registered for Online Banking this information can be found under the ‘Accounts’ tab under the Credit Card Rewards link. 

 International money transfers are not available via ‘Linked Accounts’ in the Online banking service. Achieva does offer International Wires for a fee.

A wire transfer is an electronic payment service for transferring funds from one credit union or bank account to another, through the Federal Reserve Wire Network.

Sign into Online Banking and select the Wire Transfer Request (for domestic) or the International Wire Transfer Request form under the Quick Links on the Dashboard. Enter your first and last name and email address, click Begin Signing. Complete all the required fields and attach a copy of your driver’s license. Click Finish & your request will be sent to our Member Service Center, a representative from Achieva will contact you to verify all information and process the Wire Transfer.

To complete the Wire Transfer in person, visit any of our branches.

Fees and limits may apply, depending on your account type and the type of wire. You can view our current Schedule of Fees here.

Yes, someone with your account number and routing number can wire funds directly to your Achieva account.

The International Bank Account Number (IBAN) is the international standard for identifying international bank accounts across national borders.

The IBAN is comprised of a maximum of 27 alphanumeric characters within Europe and a maximum of 34 outside of Europe (German IBAN: 22 characters). The United States does not participate in IBAN. Therefore, Achieva does not have an IBAN number.

When sending wire transfers to countries that have IBAN numbers, we recommend including those numbers in your wire transfer documentation. According to the European Directive, only the account-keeping bank may calculate the IBAN / check digits. To obtain the IBAN numbers of another bank, please visit that banks website or contact them directly to obtain that information.

The United States does not currently participate in IBAN. Therefore, Achieva does not have an IBAN number.

The Society for Worldwide Interbank Financial Telecommunication (SWIFT) Code is a unique identification code that may be required by some banks, broker-dealers and investment managers for the completion of international wire transfers.

No, Achieva does not accept international wires directly. The sending foreign institution will need to send the wire through a correspondent US bank before Achieva receives the wire. The foreign institution will have the correspondent bank information.

No, Achieva does not accept international wires directly. The sending foreign institution will need to send the wire through a correspondent US bank before Achieva receives the wire. The foreign institution will have the correspondent bank information.

All domestic wire transfers received by Deposit Operations by 4:30 PM EST will be processed the same day.

This depends on the geography: 

• Beneficiary banks within the United States: allow 1-3 hours 
• Beneficiary banks outside the United States: allow 2-4 business days This can take longer too, depending on the country. 

Note: Time differences, local holidays, and bank closings will affect credit times. Contact the beneficiary institution to confirm the receipt of funds and posting times.

Yes. If sending a wire, simply notify us of the foreign currency on the International Wire form of which you wish to send and the amount. We will process accordingly using rates given to us by our intermediary bank. We will then debit the USD equivalent from your account.

Please see our Schedule of Fees for the late fee amount.  

•   Consumer Loans & Home Equity Loans: A late fee will be charged after 5 days.
•   Credit Cards: A late fee will be charged after 5 days. 
•   First Mortgage Loans: A late fee will be charged after 15 days. The late fee is 5% of the payment amount (principal and interest).
•   Indirect Loans: A late fee will be charged after 10 days. The late fee is 5% of the monthly loan payment amount. (Maximum $50).

NOTE: Although we do not assess a late fee until the grace period has lapsed, a payment is considered "late" even if it is made one day after the due date. Grace periods are calculated in calendar days not business days.


Interest charged to a loan is based on the term, the interest rate, and the principle.  A decrease in principle decreases the amount of interest charged. Below is the formula for calculating interest on a Simple Interest Loan:
Principle X APR/365 = PER DIEM
PER DIEM X number of days since last payment = Interest

To request that your loan due date be changed you may visit your local branch or contact our Member Service Center to request the required form to be sent to you electronically or by mail to be signed and returned. The due date may only be changed once per the life of the loan. The loan cannot be a mortgage, home equity or home equity line of credit (HELOC), or credit card. The loan must be current. At least one loan payment must be made before due date change can be processed. The new due date cannot be more than 30 days from the current due date. The new due date must be from the 1st to the 27th. There is no fee to change your due date.

Once a member pays off their loan the lien on the collateral will be released within 10 business days to the State of Florida in which the State will take an additional 4 business days to release the lien in their systems.  All titles in the state of Florida are electronic. However, they can be turned into a paper copy. After the lien is released the member can order a paper copy of the title from the Florida Department of Highway Safety and Motor Vehicles website for $2.50. The member can also go into a Tax Collector’s office and get a copy made for $10. If the member is trading in the vehicle with a dealership they will not need a paper title.

Achieva Credit Union's Skip-A-Pay program allows members to skip one monthly payment on their qualifying loan for a $35 processing fee.  Please contact Achieva's Member Service Center to see if you qualify!

To check if your loan is eligible for a Skip-A-Pay, login to your Online Banking account, select “Transfer & Pay” select Skip-A-Pay and follow the step-by-step instructions. You can visit your local branch or call the Member Service Center for assistance. Please see our Schedule of Fees for Skip-A-Pay service fee amount.

The standard total ATM withdrawal limit is $600.00 per 24 hour period.

The first $600 of your deposit will be made available for use and any amount over $600 is subject to a minimum two-business day hold.

Achieva Credit Union does not exchange foreign currency.

Your Achieva member ID number is also considered your account number. This can be located by logging into your online banking, your member/account # is located under the pertaining account. The last 4 digits of the account # identifies the type of account. Example: 12345670600 = member number + share id.

You may add a joint account holder to your account by visiting your local branch with the person you wish to add. If you are unable to visit your branch, please contact our Member Service Center and we can mail you the required forms which must be notarized and returned.

The joint account holder must request to remove themselves from an account and sign the Joint Owner Release Form at a branch or notarized and returned if sent by mail. Please see our Schedule of Fees for the service charge amount.

You may change the name on your account by visiting your local branch with your updated identification or call the Member Service Center for option. 

Anyone who is related to a current Achieva member*; or individuals, trusts, associations, organizations and legal entities who live or work in throughout our 15 counties: Charlotte, Collier, DeSoto, Glades, Hardee, Hendry, Hernando, Highlands, Hillsborough, Lee, Manatee, Monroe, Pasco, Pinellas and Sarasota. 

Checks can be ordered by logging into Online Banking. From the dashboard select "Tools” > select “Check Services” > select the “Reorder Checks” tab. You can also order checks at your local branch or by calling the Member Service Center.

There may be times when your balance and available balance are different. Your balance includes all posted transactions. Your available balance includes all pending debit or credit card transactions that have not yet posted to your account.

  • You are able to place a stop payment on a check by logging into Online Banking, selecting the "Tools” > select “Check Services” > select the “Stop Payment” tab. This can also be completed by visiting any branch location or contacting our Member Service Center 727.431.7680.
  • To dispute a Forged/Fraudulently Cashed check, contact the Member Service Center.

•    Placing a Stop Payment on an ACH item will require a completed/signed ACH Stop Payment Authorization. This form can be obtained at any branch location or by contacting our Member Service Center 727.431.7680.
•    The fee for placing a stop payment is $34.

An overdraft occurs when a member submits an item for payment (ACH, check, or debit card transaction), and the funds are not available. Using a different linked account from the member, we may transfer the funds to cover the item. The member must be previously enrolled in overdraft protection. An overdraft occurs when a member submits an item for payment (ACH, check, or debit card transaction), and the funds are not available. Using a different linked account from the member, we may transfer the funds to cover the item. The member must be previously enrolled in overdraft protection.

Courtesy Pay uses credit union funds to pay an item (ACH, check, recurring debit card transaction) attempting to clear the member’s checking or money market and the funds are not available in the account. There is a (up to) $34 fee each time Courtesy Pay is utilized to pay an item. Courtesy Pay may also cover: One-time signature-based debit card transactions and ATM Withdrawals (member opt-in required). Please refer to our schedule of fees for amounts. See Schedule of fees for up to date fee amounts.


  • Businesses will be charged a $34 fee regardless of the returned item amount.

A non-sufficient funds designation occurs when there are insufficient funds in the account and: 

  • No overdraft protection is set up
  • Linked accounts have insignificant funds
  • Courtesy pay is not approved

To locate your Tax forms, login to your Online Banking from your dashboard select “Accounts” > select “E-Statements”. 

Benefits tailored to people in community service professions, like educators, first responders, health care workers, active duty military, Veterans,  and community employees.  Partner benefits are linked to any consumer account upon proof of employment in the specific field, Veteran status, or enrollment in an approved Partner School Program.

Yes, Notary services are available to our members at our branches free of charge. 

Medallion Stamp (Signature Guarantee) services are available to our members at our branches. Members who request this service must request the service in person, be a member for at least 30 days and have accounts in good standing. You must provide a valid photo ID with signature as well as two additional forms of ID and provide proof that you’re authorized to perform the transaction (i.e. a copy of a statement.) A $25 Medallion Stamp fee applies per stamp. Please contact our Member Service Center to schedule an appointment at your preferred branch.

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