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Frequently Asked Questions

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Explore our FAQ resource for quick, helpful information—from product details to troubleshooting—all in one convenient place. Simplify your search and get the answers you need with AdelFi’s user-friendly FAQ page.

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How long will it take for the cash to be deposited into the Credit Union accounts?

Redemptions for cash will be deposited into the your designated AdelFi account within 10 business days.

How long will it take for the payment to post to the credit card?

Payment to the credit card will post to your credit card account within 10 business days.

How long will it take to set up Zelle® again?

Re-registering for Zelle® and adding your recipients should only take a few extra minutes.



How many checks can I include in one deposit?

You can include an unlimited number of checks in a batch. However, it is recommended that you batch your deposits by 100.

How much debt is too much?

There’s no exact rule, but aim to avoid debt beyond a reasonable mortgage and pay off other debt quickly.

How much does Courtesy Pay cost?  

There is no fee for having Courtesy Pay unless you use it. The Courtesy Pay Fee of $14 each time the item is presented will be imposed for overdrafts created by checks, ACH, point-of-sale, ATM withdrawals, in-person withdrawals, or by other electronic means. If multiple items overdraw your account on the same day, each item will be assessed the appropriate fee. This is the same amount that AdelFi charges for items returned to the payee due to insufficient funds.

The maximum amount of Courtesy Pay fees that we will charge to your consumer account is $126 per day. All fees and charges will be included as part of the Courtesy Pay limit amount. Your account may become overdrawn in excess of the Courtesy Pay limit amount as a result of the assessment of a fee. The total negative balance, including all fees and charges, is due and payable upon demand. Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all such amounts, as described in the Deposit Account and Disclosure Agreement.

How much does this service cost?

There is no charge from the credit union associated with the service. However, there may be charges associated with data usage on your phone. Check with your wireless phone carrier for more information.

How much has AdelFi donated to missions through credit card purchases?

Members have helped generate more than $6.9 million in donations to Christian ministries since 1995.

How much has AdelFi donated to missions?

Since 1995, AdelFi members have helped generate more than $6.9 million in donations supporting Christian missions.

How much money should we ask for? How much do we qualify for?

Usually, loans are limited to three times your organization’s ongoing operating income.

When we add up your church’s Income, we usually don’t count any money from building campaigns that are raising money for a specific purchase or project.  Other factors may also influence the maximum loan amount.

How much of a down payment do we need for a loan to buy a property?

The Credit Union usually requires 30% down on a loan to buy a property.

How quickly are user permission changes updated in Online Banking?

User permission updates are changed in real time.