Frequently Asked Questions

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Account Questions

Can I choose my own PIN for my ATM or Visa Check Card?

There are two quick and easy ways to personalize the PIN for your Alaska USA ATM or Visa Check Card.

UltraBranch Online

  • Log in to UltraBranch.
  • Click on the "Account Services" tab. UltraBranch Business Edition users click the "Services" tab instead.
  • Select the "Change Debit/ATM Card PIN" option.
  • Follow the on-screen instructions to enter your new PIN.
  • You will receive confirmation that your PIN has been changed.

At any Alaska USA ATM

  • Insert your ATM or Visa Check Card into any Alaska USA ATM and enter your current PIN.
  • Select 'Change PIN' from the menu of options.
  • Follow the on-screen instructions to enter your new PIN.
  • You will receive confirmation that your PIN has been changed.

Keep your new PIN safe. Never write your PIN on your card or store it with or near your card.

You can also personalize the PIN for your Alaska USA Visa Platinum Credit Card.

Can I choose my own PIN for my Visa Platinum Credit Card?

You can easily personalize the PIN for your Alaska USA Visa Platinum Credit Card using our card PIN change system.

  1. Call the card pin change system at (866) 297-3408.
  2. Enter your credit card number, zip code and current PIN number when prompted.
  3. Follow the instructions to select your new PIN.
  4. When complete you will receive confirmation that your PIN has been changed.

If you have forgotten your PIN, call the Member Service Center and ask for Card Services.

Keep your new PIN safe. Never write your PIN on your card or store it with or near your card.

You can also personalize the PIN for your ATM or Visa Check Card.

Does Alaska USA offer investment accounts?

Alaska USA offers insured Money Market and Certificate accounts. Traditional and Roth IRAs are also available and provide tax benefits as well. IRAs are insured separately from your other credit union accounts.

Alaska USA also offers uninsured investment management services through its wholly owned subsidiary Alaska USA Trust Company.

Does Alaska USA offer senior checking?

Alaska USA offers three checking account types to meet consumers' needs. All Alaska USA consumer checking accounts have unlimited check writing and are free with either direct deposit or a low minimum balance.

Does Alaska USA offer trust accounts?

Alaska USA can assist in providing members with Living Revocable or Irrevocable Trust accounts through the credit union. Complete trust management and administrative services are available through Alaska USA Trust Company. For more information, contact Alaska USA Trust Company or call the Member Service Center.

How old do I have to be to get a checking account with an ATM or Visa Check Card?

You must be 16 years old to establish a checking account. You may request and be issued an ATM card at the time you open the account.

In order to obtain a Visa Check Card you must be 18 years old and meet the requirement of having an established checking account for one year.

What is Federal Regulation D?

Federal Regulation D (Reg D) establishes the monetary reserve amount financial institutions are required to maintain. All deposit or share accounts are categorized as transactional or non-transactional, and reserve requirements differ accordingly.

Reg D also restricts non-transactional accounts to prevent their being used as transactional accounts. Financial institutions are required to enforce these restrictions, to include closing an account that repeatedly exceeds these limits. Alaska USA has opted to enforce these limits by not allowing members to exceed the limit of restricted transfers or withdrawals.

Affected accounts and restrictions

Savings and money market accounts are non-transactional acounts subject to the following restriction:

  • No more than 6 preauthorized, electronic or telephonic (telephone, fax, or computer) transfers may be made from a non-transactional account to another account in the name of the member or to a third party in a calendar month. No more than 3 of these may be to a third party.

This limit includes transfers made through UltraBranch or initiated by calling the member service center, or by overdraft protection.

In-person transactions at a branch or ATM are exempt from these restrictions.

Avoiding the Reg D limitations

There are several things you can do to avoid the transfer restrictions of this regulation:

  • Keep sufficient funds in your checking account to cover your transactions.
  • Make payments to third parties from your checking account, not your savings account.
  • Open a credit line for overdraft protection instead of using your savings account.
  • Perform transfers at any ATM or branch location.

When will I receive my statement?

Members receive statements monthly or quarterly, based on the types of accounts they have. Monthly statements are generated if an account has any one of the following:

  • Any money market account
  • A consumer or business checking account
  • Any loan identified by loan type L1-L11
  • An active debit card

Accounts that receive monthly statements are divided into four groups based upon the last digit in their account number. Normally, paper statements are mailed within five working days from the date they were prepared. eStatements (electronic statements) can be accessed on the same schedule.

Last digit of account number Approximate date of statement
0 or 1 7th of month
2, 3 or 4 14th of month
5, 6 or 7 21st of month
8 or 9 28th of month

Why was I charged an "International Transaction Fee" on my debit or credit card ATM withdrawal or purchase?

Effective April 1, 2008, Visa U.S.A. charges up to a 1% international transaction fee on all card transactions processed by Visa. This includes ATM withdrawals as well as credit card and debit card purchases made outside the United States. This is a fee assessed by Visa, not by Alaska USA, and will appear as a separate charge on your statement.

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