Frequently Asked Questions


You can use the service to transfer to and from your Achieva accounts to your accounts at other financial institutions.


The service transfers money from one of your accounts to another of your accounts at any financial institution in the U.S. All transfers are processed via the Federal Reserve’s Automated Clearing House (ACH) network. This network is used by financial institutions to process checks and electronic transactions.


There are no fees for using the service. If a transaction you initiated fails because you don’t have sufficient funds in your account, or you initiate a transfer on a closed account, etc. there is a $5 failed transaction fee.


You may use your Achieva Checking and Savings accounts to set up incoming and outgoing transfers to savings and checking accounts at other institutions.


You can set up any account with the service if you are able to prove ownership or control over the account.


Click Add Account (at another bank) under the Classic Transfer option. Review the ACH Transfer Policy and select that you agree and click Continue. Enter the account information (account type, routing number & account number) of the external account. Two (2) trial deposit transactions will be sent to the new external account (may take up to three business days), once the transactions post log back into Online Banking to confirm the deposit amounts. Once the account is confirmed you can initiate your first transfer.


The trial deposit verification process ensures that the rightful owner is setting up the account with the service. It also ensures that the accounts given are valid.


Account setup and confirmation is a one-time process for each account you set up with the service.


Yes, you may schedule a transfer for a future date.


Yes, you can schedule a recurring transfer by selecting the frequency when setting up the transfer.


No. Please use Online Banking to complete such transactions.


International money transfers are not available with the Account to Account service.


Your funds transfer request enters into the ACH system on the same business day as you submitted the transfer, provided you make your transfer request before the cutoff time. Otherwise, the request will be sent the next business day.

Transfers are posted to your account the next business day; however, depending on the financial institution, it may take an additional business day for the transaction to be reflected in your account balance. Once funds are received from your source account, the process is repeated to send the money to the destination account. The process may take three to five business days in order to complete delivery of the funds.


You can check the status of your request by clicking the Transfer Widget > History tab in online banking.


It usually takes three business days, but may take as long as five business days. The specifics will depend, in part, on the time of day you initiated the transfer, your previous transfer history with the service, the amount of the transfer, and how quickly your institution updates your account after they receive the funds. Full details regarding your funds transfer requests are viewable on the Scheduled transfer tab.


A transfer funds request will be rejected if it cannot successfully be posted to your account. The most common reasons for failed or returned transfers are: • Lack of sufficient funds in the source account, • Lock placed by a financial institution on one of the accounts, (account number or routing number may have changed since registration, account may be frozen by the institution, account may have reached allowed limits of number of such transactions, etc.)


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.


Achieva’s routing number is 263182312.


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

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.


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 integrated into the Achieva app and can be found under the Mobile Deposit menu using the navigation on the top right of the applications.


Yes. The member must download the Achieva app to a camera-enabled Apple iOS or Android device. Mobile deposit is not available via a computer or non-Apple iOS/Android device.

Download to your device

Can be accessed by all carriers and many device types


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


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.


No. This service is available to our members free of charge; however, we reserve the right to change that at any time.


Download the Achieva app; all accounts are eligible for Mobile Deposit, unless access has been suspended by the Credit Union.


It takes one business day to use mobile deposit after you open an account.


Yes. The member must enter the dollar amount, and the eligible account which they wish to deposit the check into.


No. Not all checks/items are eligible to be deposited through mobile deposit. Per the user agreement, the following items are not eligible for deposit:

  • 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.

Achieva’s mailing address is
P.O. Box 1500
Dunedin, FL 34697


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.

  • Indirect Auto Loan (L11 & L12) - 10 day grace period. Late charge is 5% of the past due amount.
  • Direct Auto Loan (L91 & L92) - 5 day grace period. Late charge is $35.
  • Emerald Credit Card (L23) – 5 day grace period. Late charge is $25.
  • Platinum and Gold Credit Cards (L25, L27 & L29) – 5 day grace period. Late charge is $25.
  • HELOC (L53) – 5 day grace period. Late charge is $35.
  • Mortgage – 15 day grace period. Late charge is 5% of the principle and interest payment.
  • Signature Loans (L89) – Grace period is 5 days and late fee is $35.

To request that your loan due date be changed you may visit your local branch or contact our Member Service Center to request the form required 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. The loan must have had at least one payment made. 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.


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 primary account holder may request to remove the joint account holder if they are no longer associated with the account. To remove the joint account holder, the Removal of Joint by Primary Owner form and new Signature Card can be signed at a branch or you may request these forms be mailed to you. If the forms are sent by mail they must be notarized and returned by mail or brought into a branch. There is a $25 fee for this service.

The joint account holder may request to remove themselves from an account at no charge. The Joint Owner Release Form must be signed at a branch or notarized and returned if sent by mail.


Notary services are free to our members. We are unable to notarize POA Documents, Wills, Trusts and Deeds.


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.


You may change the name on your account by calling our Member Service Center or at your local branch


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.


Eligibility for membership is open to anyone who is related to a current Achieva member*; or individuals, trusts, associations, organizations and legal entities who live or work in Charlotte, Collier, DeSoto, Hernando, Hillsborough, Lee, Manatee, Pasco, Pinellas and Sarasota Counties. A $1 deposit into a Simply Savings account, along with a payment of a $15 membership fee establishes membership. Individuals who do not live or work within Achieva’s Field of Membership are eligible for membership by making a minimum required contribution to the Achieva Foundation. Join now.

*Immediate family members of such, defined to include parents, children, spouse, or surviving spouse of the member, or any other relative by blood, marriage, or adoption even though such individuals do not reside in the same household with the member are eligible for membership.


Achieva Credit Union does not exchange foreign currency.


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.


Our automated telephone teller is available 24/7. Call (727) 586-6669, (941) 907-4040, or non-local (866) 867-9651 to: Transfer funds, check account balances and activity, withdraw funds by check, and make transfers between Achieva accounts to make credit and loan payments, stop payment on a check or report a lost or stolen credit card or debit card.


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.


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.


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.


By enrolling in the Achieva Skip-A-Pay Plan*, you will have the ability to skip a payment on any of your eligible Achieva loans for the cost of only $35 per loan. If you elect to enroll in the Skip-A-Pay Plan, the $35 fee per loan must be paid regardless of whether you use your option to skip a loan payment.

*The Skip-A-Pay program excludes L1-auto loans, first mortgage loans, home equity loans and lines of credit, personal lines of credit, overdraft lines of credit, loans with active workout/hardship modifications, business loans and business credit cards.

Effective January 1, 2020:

Skip-A Pay must be processed on or before due date, under original contractual terms with a minimum of 12 consecutive monthly payments. If the Skip-A-Pay is used on an ACH loan payment, at least a four business day advance notice is required. Interest continues to accrue during the month in which a payment is deferred. Skipping a payment will extend the original loan maturity date. Only 1 Skip-A-Pay may be used after every 12 payments with a maximum of 6 Skip-A-Pays for the term of the contract.


You will receive your branded item upon account opening and every 6 months thereafter. Scrubs will be mailed to your address on file.


Online: 1. Log into Achieva's Online Banking. 2. Click on the "More..." Services tab ( On the left of the Account Summary page). 3. Click on Skip A Pay (under More Services section). 4. Select eligible account and follow the step-by-step instructions.

Paper form: 1. Print your Skip-A-Pay certificate here. 2. Complete and sign the certificate. Include payment or authorize debit from your account. 3. Return certificate and dues to any Achieva branch location.

Effective January 1, 2020:

Skip-A Pay must be processed on or before due date, under original contractual terms with a minimum of 12 consecutive monthly payments. If the Skip-A-Pay is used on an ACH loan payment, at least a four business day advance notice is required. Interest continues to accrue during the month in which a payment is deferred. Skipping a payment will extend the original loan maturity date. Only 1 Skip-A-Pay may be used after every 12 payments with a maximum of 6 Skip-A-Pays for the term of the contract.


To retrieve your Online Banking username, please call our Member Service Center at 800-593-2274.


Checks can be ordered by logging into Online Banking. From the dashboard select "More..." on the left of the screen. Select "Widget Options" and then Select "Check Services" widget to reorder checks.


To unlock your Online Banking account, you may choose the “Forgot Password” option on the screen that promts 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.


1099 You will only get a 1099-INT form generated if your account has earned $10 or more of interest for that pertaining year. If you did not earn $10 or more in interest income from your Achieva accounts for the previous tax year, you will not be issued a 1099-INT tax form. The form may be obtained from your statements page on your Online Banking site.


Your Achieva member ID number is also considered your account number. This can be located on your account dashboard page under the pertaining account. So for example, if you look at your checking account you will see a series of numbers directly underneath says account and followed by an “s68” extension (s68 identifies your checking account, s1 identifies your savings account). These numbers identify your member ID/account number.


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.


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.


If you received an error message when trying to link/update your banking transactions to any of these 3rd party systems, you will need to “Log In” to our Online Banking using your Achieva credentials to confirm your log in information is valid and up-to-date. If you’ve recently changed your password, security questions or the profile is “locked out” in our Online Banking, this will affect the connection between the 3rd party software and our system.

If you are still having technical issues with the 3rd party software, you will need to contact the vendor for further support. The links are:

  • QuickBooks - http://www.intuit.com/support/
  • Quicken - http://www.quicken.com/contact-support
  • Mint - https://www.mint.com/support

If you have additional questions or need further assistance, please call 727-431-7680 or 800-593-2274 and select option #2.


There is an extensive list of benefits included with our MasterCard Rewards credit card, including ID Theft Protection™ , Extended Warranty, Price Protection and more. You can view a guide to all MasterCard benefits here.


  • All 457b accounts are federally insured up to $250,000
  • Maximum contribution of $18,000 for those under the age of 50
  • Catch-up contributions for over 50s allowed
  • Contributions are tax deferred. (taxes are paid as the funds are taken out of the account – after retirement
  • Can be used in combination with 403b contributions
  • 457b savings with a special saving rate available
  • 457b CDs from 6 months to 5 year terms available
  • 457b accounts are viewable on our consolidated bank statement (no need to log on to another website to view account balances and activity)
  • Changes to payroll contributions can be processed at any ACU branch as well as through the Member Service Center

  • Personal Debit Card: Call 1-800-757-9848. The owner or joint owner must provide the social security number and date of birth for the owner of the account.
  • Business Debit Card: Call 1-800-757-9848. The owner or joint owner must use the SSN or the TIN for the business and the business start date.
  • HSA Debit Card: Call 1-800-757-9848. The owner needs to provide their own social security number and date of birth to change the pin.
  • Pre-Paid Debit Card: Call the number on the back of the card.

  • Reset PIN immediately: Please visit a branch.
  • Receive PIN by mail: Call 727-431-7680 or 800-593-2274 from 8AM - 5:30 PM Mon - Fri or Sat 9AM - 1PM

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.


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


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.


Achieva has partnered with Turbo Tax to offer exclusive discounts to our members. Click here to start saving today.


All of Achieva’s rates can be found on our Rates page. Click here to find rates in your county.


All of Achieva’s rates, including CD rates can be found on our Rates page. Click here to find CD rates..


Achieva’s branch hours are M-F 9 a.m. to 5:30 p.m., SAT 9 a.m. to 1 p.m.
Achieva’s call center hours are M-F 8 a.m. to 5:30 p.m., SAT 9 a.m. to 1 p.m.


You can log into Online Banking by clicking the “Log In” button at the top of our website or by clicking here.


Achieva Credit Union provides several convenient ways to pay your loan. Use your Achieva account or an account from another financial institution to make payments online, by mail, in a branch or over the phone.


See our Locations page for a full list of branch locations and addresses.


Interested in purchasing a vehicle? Our partners make it easy to find deals on vehicles that are within your budget. Find cars for sale here.


To learn more about calculating loan intetest, please watch our video.


If funds are not available in the checking account at the time a transaction is made the system will attempt to pull the necessary funds needed to cover the transaction, including the $8 transfer fee, from another share account (savings, money market, overdraft, line of credit) or a line of credit you have chosen to use as overdraft protection in order to cover the transaction. This service has an $8 fee for each transfer. Members may also elect to use the Privilege Pay service to cover overdrafts.


Learn how to transfer funds to another Achieva member.


Learn how to find your balance by watching our video.


Titles will be released after an auto loan has been paid in full. It may take several weeks for the lien to be released by our system. This can be expedited by visiting any branch location or contacting our Member Service Center 727.431.7680, 800.593.2274.


  • You are able to place a stop payment on a share draft by logging into Online Banking, selecting the Check Services widget and clicking the Stop Payment tab. This can also be completed by visiting any branch location or contacting our Member Service Center 727.431.7680
  • 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.










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