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Routing Number: 231176787|
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Electronic Services

Home/Electronic Services
Electronic ServicesAmerican Spirit FCU Staff2019-06-10T16:19:14+00:00

Audio Response (ASAP)

Allows you to access your credit union account to check balances and perform limited transactions using a touch tone telephone 24/7.

Transactions include a number of balance inquiries, transfers, and account history review. Call 738-ASAP (2727).

  • Personal identification number. (PIN) Used for security purposes.
  • Conduct the following transactions by phone:
    • Loan payments from your share accounts,
    • Loan balance inquiries,
    • Transfers between accounts,
    • Transfers within accounts,
    • Cleared checking inquiries,
    • Account balance inquiries,
    • Interest, dividend, and withholding tax inquiries.
  • No usage fees and toll free number (800) 941-7790. (For out of Delaware callers)
  • Transaction recorded on monthly statement.
  • Automated phone ‘teller’ talks you through each transaction.
  • ASAP has easy to understand instructions.

*VISA® Check Card(Debit Card)

One convenient card that allows you access to your account through VISA® or thousands of ATM locations.

  • The VISA® logo is honored at more than three million stores, restaurants, hotels, airlines, car rental agencies, service stations, theaters, medical facilities and service organizations around the world.
  • Deducts purchases and withdrawals automatically from your credit union account.
  • Purchase record included on your monthly account statement.
  • No Additional identification.

Direct Deposit

Allows you to have your paychecks automatically deposited to your credit union account by your employer. Social security and other pension checks may be deposited directly.

  • Direct deposit transactions recorded on statement.
  • Easy to access through ATMs and with the VISA® Check Card.
  • Verification of deposit through audio response and Internet Access
  • Funds are available immediately
  • Use routing number 231176787

Payroll Deduction

A service that allows a portion of your paycheck to be sent directly to the credit union. Automatically credits the amount to the your loan payment or your checking or share savings account.

  • Payroll deduction transactions recorded on statement
  • Verify payroll deposits through audio response and internet access
  • Excellent savings tool

*Western Union

Service that allows a transfer of funds from your credit union account to virtually anywhere in the world.

  • Electronic transfer of funds.
  • Same day delivery.
  • Competitive fees.

Fee Schedule

Routing Number: 231176787

American Spirit Federal Credit Union is a federally insured financial institution first chartered in 1963. American Spirit Federal Credit Union is a not-for-profit, member-owned financial cooperative providing lending, savings, checking, investment and other financial services to Delaware communities located in the Newark, Dover, and Middletown areas.

We respect your privacy. We never share nonpublic personal information except as required by law, and we will continue to protect your privacy. - Privacy Policy & Disclosure

American Spirit Federal Credit Union is an equal housing lender, federally insured by the NCUA, and rated 5 stars by Bauer Financial.

© American Spirit Federal Credit Union. All rights reserved.

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