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Frequently Asked Questions

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What if I don’t want Courtesy Pay? 

You can request to discontinue the Courtesy Pay service in its entirety at any time by contacting us at 800-347-2228 or sending us an email at support@adelfibanking.com. Without Courtesy Pay, your insufficient funds items will be returned to the payee and/or declined at the point of purchase, unless you have Overdraft Protection available to cover the item(s). You will be charged the standard return fee of $14 each time the item is presented for all returned items.

What if I enter invalid account information?

You are responsible for providing accurate account information. If the account is invalid, the points will be returned to you within 90 days.

What if I forget my Password for Online Banking?

You can choose the “Forgot User ID / PW” option on the initial login screen.

What if I forget my Personal Identification Number (PIN)?

A Member Service Representative can assist you in choosing a new one. Call us at at 800.347.AdelFi (2228) during normal business hours.

What if I forget the answer to my security question?

Please call the phone number on the back of the card.

What if I get an error message when I try to enroll an email address or U.S. mobile number?

Your email address or U.S. mobile number may already be enrolled with Zelle® at another bank or credit union. If you would like to move your email address or U.S. mobile number from the financial institution where you initially enrolled with Zelle®, simply click “Transfer” when prompted during the Zelle® enrollment process and confirm your desired changes.

Once you transfer your email address or U.S. mobile number, it will be connected to your account at the financial institution you selected and you can start sending and receiving money with Zelle® right away.

What if I want AdelFi to pay my ATM and everyday debit card overdrafts (extended coverage)?  

If you want us to authorize and pay overdrafts caused by ATM and everyday debit card transactions (Extended Coverage), tell us by using one of the following methods.

NOTE: Business accounts automatically have access to Courtesy Pay for ATM and everyday debit card transactions. (Extended Coverage).

What if I want to send money to someone whose bank or credit union doesn’t offer Zelle®?  

As of March 31, 2025, all users must be enrolled through one of the more than 2,300 banks and credit unions that offer Zelle® in order to send and receive money. You can find a full list of participating banks and credit unions live with Zelle® at Zelle.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.



What if I want to send money to someone whose bank or credit union doesn’t offer Zelle®?

As of March  31, 2025, all users must be enrolled through one of the more than 2,300 banks and credit unions that offer Zelle® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated  list of participating banks and credit unions live with Zelle® at Zelle.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

What if my device is lost or stolen?

In the event your phone is lost or stolen, the service can be immediately disabled by calling the number on the back of your card.

What if my phone or tablet is lost or stolen?

If your device is stolen, call us immediately at 866-820-3854 so we can deactivate your card for use with Apple Pay, Google Pay, or Samsung Pay. Once you receive your new device, simply re-add your cards. In the meantime, you can continue to use your physical card without interruption.

Useful Tip: “Find my iPhone” is an app you can download to your device. Using this app, you can lock your device remotely wherever you may be. Learn more about this app on the Apple website. For Android and Samsung, check with your device manufacturer’s website for other beneficial security features.

What if my physical Visa card is lost or stolen?

Please contact us immediately at 866-820-3854. Remove the lost/stolen card from Apple Pay, Google Pay, or Samsung Pay. Once you receive your new replacement card, you can add it to your digital wallet.