What do I use the Account to Account service for?
You can use the service to transfer to and from your Achieva accounts to your accounts at other financial institutions.
Branches will be CLOSED November 28 - November 29 to observe Thanksgiving.
What do I use the Account to Account service for?
You can use the service to transfer to and from your Achieva accounts to your accounts at other financial institutions.
How does the Account to Account work?
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.
What are the fees for using the Account to Account service?
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.
What accounts can I use with the Account to Account service?
You may use your Achieva Checking and Savings accounts to set up incoming and outgoing transfers to savings and checking accounts at other institutions.
Can I use my kid's account with the Account to Account service?
You can set up any account with the service if you are able to prove ownership or control over the account.
How do I set up an account with the Account to Account service?
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.
Why is trial deposit verification of my account required for account setup?
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.
How often will I be required to go through the account setup process for Account to Account service?
Account setup and confirmation is a one-time process for each account you set up with the service.
Can I set up a transfer for a future date with Account to Account service?
Yes, you may schedule a transfer for a future date.
Can I set up a regularly recurring transfer with the Account to Account service?
Yes, you can schedule a recurring transfer by selecting the frequency when setting up the transfer.
Can I use Account to Account service to transfer money between my own accounts at Achieva Credit Union?
No. Please use Online Banking to complete such transactions.
Can I use Account to Account service to transfer money internationally?
International money transfers are not available with the Account to Account service.
When do you execute my funds transfer request with 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.
How will I know when an Account to Account transfer is complete?
You can check the status of your request by clicking the Transfer Widget > History tab in online banking.
How long does it take to complete a funds transfer request with Account to Account service?
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.
Why would an attempted Account to Account transfer be unsuccessful?
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.)
What is a wire transfer?
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.
What is Achieva’s routing number?
Achieva’s routing number is 263182312.
How do I send a domestic or international wire transfer?
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.
Are there fees and limits for domestic and international wire transfers?
Fees and limits may apply, depending on your account type and the type of wire. You can view our current Schedule of Fees here.
Can someone wire funds to my account at Achieva?
Yes, someone with your account number and routing number can wire funds directly to your Achieva account.
What is an IBAN number?
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.
Does Achieva have an IBAN number?
The United States does not currently participate in IBAN. Therefore, Achieva does not have an IBAN number.
What is a SWIFT Code?
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.
Does Achieva have a SWIFT Code?
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.
Does Achieva accept incoming International Wires?
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.
Is there a deadline for outgoing domestic wires to be sent the same day?
All domestic wire transfers received by Deposit Operations by 4:30 PM EST will be processed the same day.
How long will it take for my beneficiary to get the money?
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.
Can I send foreign currencies?
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.
What is mobile deposit?
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.
Is mobile deposit included in the Achieva mobile app or is there a separate app that must be used?
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.
Is the Achieva mobile app required in order to use the mobile deposit service?
Do all members qualify for the mobile deposit service?
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.
Are there deposit limits and/or check holds for deposits made through mobile deposit?
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.
Is there a fee for the mobile deposit service?
No. This service is available to our members free of charge; however, we reserve the right to change that at any time.
How do I enroll in the mobile deposit service?
Download the Achieva app; all accounts are eligible for Mobile Deposit, unless access has been suspended by the Credit Union.
Once a new account is opened, how long does it take for me to use mobile deposit?
It takes one business day to use mobile deposit after you open an account.
Do I need to input any information about the check before snapping a picture of it?
Yes. The member must enter the dollar amount, and the eligible account which they wish to deposit the check into.
Can I deposit any type of check with mobile deposit?
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:
What is Achieva’s payment mailing address?
Achieva’s mailing address is
P.O. Box 1500
Dunedin, FL 34697
How do I pay my loan?
There are a few options to make a loan payment: View list of loan payment options in detail here.
What are the grace periods and late fees?
How do I change the due date of my loan?
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.
How do I add a joint account holder or authorized user to my account?
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.
How do I remove someone from my joint account?
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.
What notary services are available?
Notary services are free to our members. We are unable to notarize POA Documents, Wills, Trusts and Deeds.
What are Medallion Stamp Services and requirements?
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.
How do I change the name on my account?
You may change the name on your account by calling our Member Service Center or at your local branch
Who is eligible for membership at Achieva?
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, Glades, Hardee, Hendry, Hernando, Highlands, Hillsborough, Lee, Manatee, Monroe, 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.
Does Achieva exchange foreign currency?
Achieva Credit Union does not exchange foreign currency.
What are the mobile deposit posting times?
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.
What is the difference between current balance and available balance?
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.
What are Achieva’s funds availability policies?
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.
Should I notify anyone if I’m traveling overseas?
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.
What is Skip-A-Pay?
The Skip-a-Pay benefit is eligible for Achieva loans and is offered at no cost to you. Learn how to skip a payment here.
When do I receive my Partners in Health scrubs?
You will receive your branded item upon account opening and every 6 months thereafter. Scrubs will be mailed to your address on file.
How do I sign up for Skip-A-Pay?
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.
Forgot your Online Banking username?
To retrieve your Online Banking username, please call our Member Service Center at 800-593-2274.
How do I order or reorder checks?
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.
How do I unlock my Online Banking account if I’ve been locked out?
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.
Where is my 1099-INT form?
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.
How do I find my account number & routing number?
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.
How do I get a debit card replacement?
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.
How do I change my address?
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.
Where do I go for Quicken and QuickBooks help?
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:
Where do I go to find out about my credit card rewards?
There is an extensive list of benefits included with our MasterCard Rewards credit card, including Mastercard ID Theft Protection™ , Mastercard Global Emergency Services, Zero liability protection and more. You can view a guide to all MasterCard benefits here.
What should I know about Achieva’s 457b deferred compensation accounts?
How do I change my Debit Card PIN number?
How do I change the PIN number for my credit card?
How do I report a fraudulent transaction or dispute a transaction?
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.
What is the daily ATM withdrawal limit?
The standard total ATM withdrawal limit is $600.00 per 24 hour period.
What do I do if a transaction declines at a merchant but my account has 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.
Do I get a discount with Turbo Tax?
Achieva has partnered with Turbo Tax to offer exclusive discounts to our members. Click here to start saving today.
What are Achieva’s rates?
All of Achieva’s rates can be found on our Rates page. Click here to find rates in your county.
What are Achieva’s CD rates?
All of Achieva’s rates, including CD rates can be found on our Rates page. Click here to find CD rates..
What are Achieva’s hours?
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.
How do I log in to Online Banking?
You can log into Online Banking by clicking the “Log In” button at the top of our website or by clicking here.
What are my options to pay my loan?
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.
What are Achieva’s branch locations?
See our Locations page for a full list of branch locations and addresses.
Where can I find cars for sale?
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.
How is interest calculated on my loans?
To learn more about calculating loan intetest, please watch our video.
How can I transfer funds to another Achieva member?
Learn how to transfer funds to another Achieva member.
How do I view current and available balances?
Learn how to find your balance by watching our video.
When will a title be released on an auto loan?
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.
How to make a stop payment or dispute an ACH item?
What do I do if I am unable to make my loan payment on time?
Where do I find my credit card interest rate, due date, and balance due?
Does Achieva offer loans or credit cards?
How do I navigate the website?
How do I use Bill Pay?
How do transfer to another financial institution?
Why was my card declined?
How do I dispute unauthorized charges on my account?
What is an overdraft?
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.
What is a Courtesy Pay?
Courtesy Pay is discretionary overdraft privilege provided by Achieva to prevent items such as ACH, share drafts, and recurring debit card transactions from being returned or declined in the event of insufficient funds. It happens when linked accounts also have insignificant funds, but Achieva covers the transaction. It is designed to help members rather than returning the items unpaid; however, it is not a guaranteed service. When Achieva pays these items, a fee will be charged for each item, and the account will be taken into a negative balance. Please refer to our schedule of fees for amounts.
Courtesy Pay Covers:
What is a NSF?
A non-sufficient funds designation occurs when there are insufficient funds in the account and: