Resources & Tools

Get quick access to everything you need to manage your account, from reporting stolen credit cards to wire transfers.

Account Essentials

Need help recalling your account information? Here are two essential numbers to remember.

Routing Number

Advantage Plus Federal Credit Union’s  routing number is 324173587.

Use this routing number for the following:

Direct deposits
ACH transfers
Bill payments
Electronic transfers

Locate Your Account Number

You can locate your account number on either of the following:

The bottom center of your checks after the routing number
Monthly statements in the top right corner

Wire Transfer Instructions

If you are having funds wired to your Advantage Plus Federal Credit Union account, you will need to provide the following information to the institution initiating the wire transfer:

Wire funds to: Catalyst Corporate Federal Credit Union
ABA (Routing Transit) #: 311990511
Credit to: Advantage Plus Federal Credit Union
Account #: 324173587
Final Credit to: Member Name, Member Account #, and Share Suffix
Any special instructions

If you have any further questions, please contact us at 208-232-7711.



Wire Transfer Fees

Incoming Domestic: $10.00
Incoming International: $20.00
Outgoing Domestic: $20.00
Outgoing International: $50.00

Direct Deposit Setup

Starting a new job or receiving government benefits?

Download a Direct Deposit Form. Questions? Call us at 208-232-7711.

direct Deposit Form

Report a Lost or Stolen Card

Debit Card

Report a lost or stolen debit card immediately. During business hours, call your local Advantage Plus branch. After normal business hours, call 1-800-537-5427  (toll-free) or 812-647-9794 for international cardholders.

For debit disputes, call 1-833-288-1126.

Credit Card

If your credit card is lost or stolen, call Visa® Credit Card Cardmember Service 24/7 at 800-558-3424.

Reminder

Report your card immediately to protect yourself from unauthorized charges. You won’t be liable for fraudulent transactions once reported.

Get Quick Answers

Need something specific? We’ve gathered the most common requests so you can skip the wait and get straight to what you need.

Overdraft Protection

Link your savings account to a checking account for automatic overdraft protection. The fee for transferring funds from a savings account is $5.00 (vs. $29.00 overdraft fee).

Travel Notifications

Traveling soon? Let us know by calling 208-232-7711 to avoid card disruptions on vacation.

Security & Fraud

Protect your accounts and personal information from getting into the wrong hands by taking these precautions:

Reporting fraud or suspicious activity
Learning about common scams
Identifying theft protection
Security best practices

Our Rates & Fees

We believe in hidden fees and rates. View the Advantage Plus Federal Credit Union fees to plan ahead.

Current Rates

View our rates for the following:

Savings Accounts
Checking Accounts
Certificates of Deposit
Auto Loans

Personal Loans
RV Loans
Mortgage Rates
Home Equity Rates

See Rates

Fee Schedule

Share Savings Account Fees

Membership Fee	$5.00 one-time fee
Excessive Withdrawal on Holiday and Premium Shares	$15.00 per time

Share Draft Checking Account Fees

Copies of Checks	$3.00 per check
Demand Statement Charge	$5.00 per month
Low Balance Fee Dividend Checking Account	$7.00 if the balance is below $500
Low Balance Fee Money Market Checking Account	$7.00 if the balance is below $1,000
Member Check Cashing	$10.00 if the balance is below $100  or no loans
Non-Member Check Cashing	3% of the check or $10.00  (whichever is greater)
Non-Member Government and Payroll Checks	1% of the check or $10.00  (whichever is greater)
Share Draft Overdraft	$29.00
Share Draft Low Balance Fee	Refer to Low Balance Fee Products1
Share Draft Overdraft — Extended Period	$25.00 per week if the account balance remains below 0

Other Service Fees

Bad Address	$5.00 per returned envelope/no forwarding address
Bank Checks/Cashier’s Checks	$3.00 per check
Cash Advance Fee	3%
Coin Services — Member	Free
Coin Services — Non-Member	7% Non-Member Fee
Counter Check	$4.00 per sheet/4 checks per sheet
Credit Card Late Fee	$35.00 per month
Debit Card Overdraft	$29.00 per month
Dormant Account Fee	$2.00 per month regardless of balance
Early CD Withdrawal Penalty	Greater of $50 or 12-month interest
Item Research	$25.00 per hour
Legal Processing — Garnishment/Levy	100
Loan Late Fee	$50.00 per month
Loan Late Fee — Real Estate	5%
Loan Payment With Credit Card	3%
Loan Payment With Debit Card	$4.95
Loan Skip-a-Pay Fee	$45.00
Notary Service	No Charge
NSF/Courtesy Pay	$29.00
Overdraft Transfer From Savings	$5.00
Reconciliation	$25.00 per hour
Return Deposit Check	$10.00
Return Deposit Check on Item Drawn on Own Account	$29.00
Telephone Transfers	No Charge
Teller Transactions	No Charge
Wire Transfer Incoming Domestic	$10.00
Wire Transfer Incoming International	$20.00
Wire Transfer Outgoing Domestic	$20.00
Wire Transfer Outgoing International	$50.00

1The fees appearing on this schedule are accurate and effective as of this date. Fees are subject to change. If you have any questions regarding the fee information, please contact Advantage Plus.