Non-Profit Banking FAQs

AdelFi will only open accounts for foreign organizations with a U.S. TIN and U.S. legal documents related to a denomination or other U.S. incorporated ministry within AdelFi's field of membership.

Because we do not provide some services outside the United States, prior to applying for membership you should contact us to inquire about specific services that interest you.

Organizations qualify for credit union membership if they share a unifying common bond. For AdelFi membership, that bond is evangelical Christian ministry.

For more information, visit Membership.

You have a variety of deposit options:

• Deposit cash or checks in deposit-taking ATMs in the United States that are part of the credit union network. To find an ATM near you, use the CO-OP ATM locator tool. (Be sure to use the advanced search function and check the box for a deposit-taking ATM.)
• Deposit checks from your mobile phone using the AdelFi App.
• Deposit checks from your office with Remote Deposit Capture.
• Interbank transfers or wires from another financial institution.
• Our Correspondent Banking and Shared Branching solutions will give you an in-branch option at a local bank in your area.

Prior to sending signer update forms, AdelFi conducts a short interview with an authorized ministry representative to review existing signers and roles. This allows us to send you a pre-filled form, which saves you time entering certain information and helps us identify any role changes that need to be updated.

To schedule a specific time for us to contact you about updating your signers, call 1.800.921.1130. Our team is available Monday through Friday from 6:30 a.m. and 4:30 p.m. (PT).

• Ministry Checking, Savings, Money Market and Certificate Accounts
• Commercial Loans and Lines of Credit
• Business Credit Cards
• All personal accounts

You can also access cash management services like ACH, Bill Pay, Remote Deposit Capture, Information Reporting, Wires and more.

You can receive text or email alerts to help monitor your organizations finances and keep your accounts safe. Alerts can include:

• Your account balance exceeds or dips below an amount you specify.
• A deposit, withdrawal, check or any other transaction exceeds an amount you specify.
• Your online statement is ready for viewing.
• Wires or ACH batches needing approval.
• Transaction Activity, if a transfer or payment of any kind has been drafted or processed.
• Security Notifications with profile information, if you change your Login ID, password, email address and more.
• Security Notifications with payment information, if your organization's payment templates and activity have changed.

You have numerous deposit options:

• Visit one of over 5,000 CO-OP shared branch locations and make deposits to your AdelFi accounts.
• Use deposit-taking ATMs in the United States that are part of the credit union network. To find an ATM near you, use the CO-OP ATM locator tool. (Be sure to use the advanced search function and check the box for a deposit-taking ATM.)
• Deposit checks from your mobile device using AdelFi's mobile check deposit.
• Deposit checks from your office with Remote Deposit Capture.
• Interbank transfers or wires from another financial institution.
• Our Correspondent Banking and Shared Branching solutions will give you an in-branch option at a local bank in your area.

Checks can be mailed to our physical headquarters for processing. Contact us to request bank-by-mail envelopes and deposit slips. However, mailed checks pose significant theft, fraud, and manual entry risks. We highly discourage this practice for your protection and recommend depositing checks from your mobile device. Additionally, starting March 1, 2023, there will be a $10 fee for physical check deposits.

You can deposit multiple checks by visiting one of our CO-OP shared branch locations. Deposit checks from your office with Remote Deposit Capture. To learn more about Remote Deposit Capture, please contact your Relationship Manager.

There are no fees related to depositing your check with mobile check deposit.

Starting March 1, 2023, there will be a $10 fee for physical checks being mailed for processing at our headquarters. Mailed checks require expensive manual effort to receive mail, prepare checks, scan checks, store images, and reconcile deposits. Additionally, manual entry of mailed checks can cause costly mistakes, requiring additional quality control steps in our processes. We recommend you utilize mobile check deposit, Remote Deposit Capture, or visit one of our CO-OP shared branches.

Yes. Mobile check deposit is secure as theft and fraud risks are virtually eliminated with mobile check deposit.

Yes. Using your regular Login ID and password, you can access the same accounts you see in online banking from your mobile device or tablet. The account access, features, look and feel are consistent on all your devices.

A transfer of funds between your AdelFi account and your account at another financial institution. External transfers can also be used to make a payment on your AdelFi loan from an account at another financial institution.

Setting up an external account for transfer is a 2-step process.

Step 1: Add the external account. Click or tap Menu>Transfer Money>Setup External Account and input the following information. Once the information has been entered, click or tap Continue:

• Institution’s Routing Number
• Your Account Number
• Account Type (Checking or Savings)

Within 5 business days, two "micro" deposits (Less than $1) will post to your external account. Notate the amounts of the deposits as they are needed for the verification process.

Step 2: Verify external transfer account. Once the "micro" deposits are received, the external account can be verified. Click or tap Menu>Transfer Money> Verify External Account. Enter the amounts of the “micro” deposits. Click or tap Continue.

After verification, the external account will appear in the list of accounts available for transfers.

Transfers submitted by 2:00 PM PST will be prcessed same day and will post the next banking day.

• Consumer Daily Limit: $25,000
• Consumer Monthly Limit: $50,000
• Commercial Daily Limit: $100,000
• Commercial Monthly Limit: $150,000

• Click or tap Profile and Settings>Account Display Options.
• Click or tap on the external account you would like to rename.
• Click or tap the pencil by Online Display Name.
• Enter a nickname for the account, then click or tap the check mark button.

1. Download the AdelFi app on your mobile device.

2. Endorse the back of the check (e.g. "For deposit at AdelFi only" and signature)

3. Follow the on-screen instructions which will guide you to enter the check amount, and take a picture of the front and back of your check

• Place the check on a solid dark background before taking the photo of the check for ease in viewing
• Flatten any folded or crumpled portions of the check before taking the photo
• Take the photo of the check in a well-lighted area
• Keep your phone flat and steady above the check when taking your photo
• Ensure the entire check image is in view and all four corners are visible
• No shadows across the check
• Verify that the check image is not blurry and the MICR line (numbers on the bottom of the check) is readable

• A bank check, money order or cashier’s check in U.S. dollars.
• A Money Order or Cashier’s Check that includes bank routing information and is written from a U.S. financial institution in U.S. dollars.

Note: A Money Order or Cashier’s Check that does not include a U.S. financial institution routing number cannot be processed. A check written from an international financial institution or in foreign currency cannot be processed.

AdelFi considers your check received if it is submitted before 5:00 p.m. (PT) on a business day*. A check deposited on a business day after 5:00 p.m. (PT) is considered received as of the next business day.

*Business days are Monday through Friday, except holidays.

A deposit received before 5:00 p.m. (PT) on a business day* is generally made available within 3-4 hours of the deposit being submitted. A deposit made after 5:00 p.m. will be made available on the following business day*.

AdelFi may place holds based on your account balance(s) and history. If holds are placed, then up to $300 of your deposit is generally available the next business day*. Up to $6,000.00 of your deposit is generally made available within 2 business days. The remaining amount will be available on the 7th business day.

*Business days are Monday through Friday, except holidays.

You have three ways to activate your Visa^® card.

• Make a withdrawal or purchase that requires you to enter your personal identification number (PIN).
• Call 800.466.0040
• Send an online banking secure message requesting card activation. Provide the last four digits of your card and indicate the card type in your request.

Your first step should be to contact a ministry banking relationship manager to discuss whether a Visa^® Business Credit card or Visa^® Business Debit card will best meet your needs.

If you choose to apply for a business credit card, complete a Visa Business Credit Card Application and mail or fax it along with copies of your organization’s two most recent complete year-end financial statements and the current year-to-date financial statement.

If you forgot your PIN or want to request a new one, contact Member Services via a secure online banking message or call 800.921.1130 from the United States and Canada or 714.575.5705 internationally.

PINs are mailed to the account address on file.

The fee for a replacement PIN is $5. If you request RUSH delivery of a replacement PIN, the fee is $40.

Inform us immediately.

For debit cards: Call 888.241.2510 in the United States or 909.941.1398 internationally.

For credit cards: Call 800.VISA.911 in the United States or 410.581.9994 internationally.

After receiving your information, we will block your card and order your new card and PIN per your instructions.

Contact us as soon as possible if you think your online banking or statement contains an incorrect or unauthorized transaction, if a receipt is wrong, or if you need more information about a transaction listed on a statement or receipt. Call 800.921.1130 in the United States or 714.671.5705 internationally.

We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. You will need to provide the following information:

1. Your name and account number
2. A description of the error or the transaction you are unsure about (Explain as clearly as possible why you believe it is an error or why you need more information.)
3. The dollar amount of the suspected error

In most cases we will inform you of the results of our investigation within 10 business days after we hear from you and will promptly correct any error. In some cases it may take up to 45 days to investigate your complaint or question. Complaints or questions involving new accounts, point-of-sale, or foreign-initiated transactions may take up to 90 days to investigate.

All credit card payments can be mailed to: VISA, PO Box 31279, Tampa, Florida 33631.

Expedited mailing address: VISA, 11601 Roosevelt Blvd., TA-27, St Petersburg, Florida 33716.

Additional payments to personal accounts can be made online using the Ezcard service. Payments received in good order are posted each business day by 12 p.m. (ET).

• Shop easily and securely without re-entering your card information or shipping details on websites where Visa Checkout is accepted.
• Visa Checkout can be accessed using any web-enabled mobile device.
• Click here to find out more and enroll

Deposits, withdrawals, auto loan payments, transfers between accounts with the same ownership and balance inquiries are standard surcharge-free services.

Additional services may be available for a fee:

• Fax services and photo copies
• Statement prints (recent account history)
• Official checks and money orders
• Notary services

Note: Check deposits are free for the first 15 checks per day, per member. $0.20 for each check over 15. All check deposits must be in U.S. Dollars.

Just look for the CO-OP Shared Branch logo. Not all credit unions participate in the network. To find a branch near you:

• From AdelFi's online banking or mobile app, select "Find ATM and Branch."
• Visit the CO-OP Shared Branch Locator.
• Call 1-888-SITE-CO-OP to find a location by telephone.

Note: AdelFi accounts are not accessible at Shared Branch Express locations (self-service kiosks).

There are some fees associated with certain Shared Branching transactions. The following are fees you may incur at a Shared Branch.

• Rolled coin for deposit: $0.25 per roll
• Check deposits, up to 15 checks: Free
• After 15 checks: $0.20 each check

There may also be fees for other services such as purchasing travelers checks or money orders. Those fees will be posted in the Shared Branch location.

AdelFi members need the following identification when conducting transactions at a CO-OP Shared Branch:

1. Account Number
2. A current, government issued picture identification with signature (driver's license or identification card; U.S. Passport; City, State, County or Federal ID card)
3. Name of member or joint owner
4. Date of birth
5. Last 4-digits of member’s or joint owner’s Social Security number. Organizations must also have the last 4-digits of the Tax Identification Number (TIN)
6. Complete address of record on the account (Have member cite their address)

All transactions require identification for your protection even if you regularly visit the branch location.

Members should direct questions regarding transactions, products and/or services to AdelFi. CO-OP Shared Branch locations will not have access to all the account information available at the home credit union.

The use of a CO-OP Shared Branch location does not entitle the individual to become a member of the processing CO-OP Shared Branch location. All requests for additional products and services should be handled by AdelFi.