Banking Services

Streamline your finances with our convenient Banking Services. We offer a range of tools to make managing your money easier than ever, including direct deposit for fast access to your pay, payroll deduction for effortless savings, and a Visa check card for everyday spending.

Get Paid Faster with Direct Deposit

Skip the branch and get your paycheck, retirement funds, and government benefits (including tax refunds) deposited directly into your account every pay period. Direct Deposit is free, secure, and convenient.

  • No more trips to the branch: Your money arrives automatically.
  • Faster access to your funds: No waiting for checks to clear. Your money is available immediately.
  • Safe and secure: Electronic transfers eliminate the risk of lost or stolen checks.

Ready to simplify your finances? Enroll in Direct Deposit today!

Enroll Today!

Effortless Savings & Loan Payments with Payroll Deduction

Automate your savings and loan payments with the convenience of Payroll Deduction. Easily allocate a portion or all of your net pay to be deposited directly into your [Credit Union Name] account(s) each pay period.

  • Automate Loan Payments: Never miss a payment again! Set up recurring deductions to cover your [Credit Union Name] loan(s) and eliminate the hassle of writing checks.
  • Boost Your Savings: Effortlessly build your savings by automatically depositing a designated amount into your savings account each payday.

Ready to simplify your finances? Contact us today to enroll in Payroll Deduction!

Enroll Today!

Your I AM FCU Visa® Check Card: Access Your Funds 24/7

Enjoy convenient access to your money with the I AM FCU Visa® Check Card.* Use it for purchases anywhere Visa® is accepted, or get cash at ATMs displaying the Plus® or Visa® logo.

Making Purchases:

Simply present your card at checkout, just like a credit card. Sign the receipt, and the purchase amount will be deducted directly from your checking account. Remember to keep your receipts to track your spending.

ATM Access:

Withdraw cash 24/7 at ATMs displaying the Plus® or Visa® logo. Your cash withdrawals will be deducted from your checking account. Enjoy 4 free ATM withdrawals per month; a $1 fee applies to each subsequent withdrawal.

Lost or Stolen Card?

Report a lost or stolen card, or any unauthorized use, immediately.

  • Call Visa®: 1-800-523-4175
  • Call I AM FCU: (212) 957-1055 ext 1023, 1054 or 1018

You can also report issues in writing to:

I AM Federal Credit Union
498 7th Avenue 2nd Fl.
New York, NY 10018
Fax: (212) 767-1732

Card Details:

  • Daily ATM Withdrawal Limit: $1,000
  • Daily Purchase Limit: $1,500

*In this agreement, I AM Federal Credit Union will be referred to as “Credit Union:” and the I AM Federal VISA Check Card will be referred as “check card”.
I hereby apply to I AM Federal Credit Union for check card privileges. By retaining, using and/or authorizing another person to use my check card, I accept and agree to the following terms and conditions.
The check card is not a credit card. All check cards are the property of I AM Federal Credit Union, which may, without liability or advance notice, revoke or limit any or all card uses in this agreement.

The card must be returned to the Credit Union upon request or may be impounded automatically by merchant or machine. I may cancel these privileges by notification to the Credit Union in writing and physically surrendering the check card.

I will be assigned a Personal Identification Number (PIN). At no time will I reveal or make available, directly or indirectly, the Personal Identification Number to any other person.

I will immediately notify the Credit Union of any loss, theft, or unauthorized use of my check card and/or PIN. When the Credit Union receives this information from me, a partial freeze will be placed on my account immediately and no withdrawals from this account will be permitted by use of the identified check card and/or PIN. On proper execution of a lost card affidavit and any other documents required by the Credit Union, a new check card and/or PIN will be issued for a nominal fee.

The Credit Union will not be liable for failure to honor my check card due to improper use, rejection of my card by an ATM network or merchant, my bankruptcy or termination of this Agreement. The Credit Union shall not be liable for failure to honor my check card because the Credit Union or its agents inadvertently identified me and/or my account by name and/or account number or otherwise, on any “Cancellation Bulletin”, “Fraud Sheet”, and other written publication, or publishing same orally as being delinquent, in arrears, in default, being used without the Credit Union’s permission, or that the card is stolen, lost, revoked, expired, canceled or terminated. The Credit Union will not be liable if circumstances beyond its control (such as fire or flood or other extenuating circumstances) prevent the transition(s) despite reasonable precautions, from being completed; or if the Credit Union has, because of my default, exercised its right against funds in my account pursuant to a pledge, a right of offset or a statutory lien, The Credit Union will also be excused from such liability if I fail to observe the terms and conditions of this Agreement, or other account agreements which relate to such “electronic fund transfers”.