ATM & Shared Branching


Have you moved? Out of town on vacation? Or just across town?  We understand it is not always convenient to get to our branch on Fruitridge Ave.

We belong to the CO-OP Shared Branching network. This means you can deposit or withdraw from your AdvantagePlus of Indiana FCU account at any of these locations. They will ask for your member number (savings #) and need to see your drivers license to verify your identity.

Find shared branching locations here.


As a member of AdvantagePlus of Indiana Federal Credit Union, you can take advantage of our ATM cards with convenient machine locations when you're on the go, or if you have a checking account with us, you can apply for a debit card instead. The debit card has all the functionality of the ATM Card plus "point of sale" capabilities.

Our ATM and debit cards have the capabilities to pick your own pin number and offer a $400 per day ATM withdrawal limit.
If you have lost your card after hours, please call 800-791-2525.

When using an ATM machine not owned by AdvantagePlus of Indiana Federal Credit Union and not listed as a surcharge free ATM, you may be charged a fee by the institution owning the ATM.

Please contact us for more information about obtaining your ATM card. Contact Us >>

If you are a person who receives state-issued child support or unemployment benefits via the new debit card, you may use that card in our ATM for cash withdrawals with no surcharge.

Our ATM locations:

AdvantagePlus of Indiana Federal Credit Union
1122 N. Fruitridge Ave.
Terre Haute , IN 47804
(1st drive-up lane)

Local Surcharge Free ATM locations:
(AdvantagePlus of Indiana Federal Credit Union fees may apply*)

Indiana State University  FCU                 
444 N. 3rd St.     Terre Haute, IN  (drive-up)
5650 N. 13th St.  Terre Haute, IN  (at AA Federal CU)
3800 E. Wabash  Terre Haute, IN

Vigo County FCU
128 S. 8th St.      Terre Haute, IN  (drive-up)
1606 N. 7th St.    Terre Haute, IN  (Union Hospital)
4800 S. U.S. 41   Terre Haute, IN  (South Pointe Crossing by Burger King)
2359 S. St. Rd 46 Terre Haute, IN  (drive-up)

Crane FCU (formerly PSI CU)
1125 Ohio St.      Terre Haute, IN 47807
2033 E St Rd 54   Linton, IN 47441

Find additional surcharge free locations for over 3,100 ATMs in 38 states at:


*ATM Withdrawals > 4 per month - $1 per withdrawal; ATM Balance Inquiry - $1 per inquiry at non-APIFCU machines; POS Debit Transactions with a pin =FREE; POS Credit Transactions with a signature = FREE; Unlimited withdrawals and balance inquiries at all APIFCU ATMs.


Funds Availability Policy:


AdvantagePlus of Indiana Federal Credit Union offers same day availability for most funds deposited
with the Credit Union by 6:15pm on a business day (12:00pm on Saturdays).  We do not allow deposits through the ATM.


 SPECIFIC EXCEPTION HOLDS. The Credit Union may place a 10 day specific exception hold where the transaction involves reasonable belief that the check is uncollectible; repeated overdrafts; new accounts; large deposits; redeposited items; and emergency conditions.




 Specific Exceptions.
Uncollectible Checks.
   Stale dated check (over twelve months old);
   Improper endorsement;
   Evidence suggests that the member is engaged in check kiting; or
   Credit Union has received a notice of dishonor from the financial institution against which the check is drawn.
The member has had several deposited checks returned.
New Accounts. (Sole transaction account with Credit Union less than 30-days old.)




 Deposits Exceeding $500 to Inactive Minimum Balance Share or Draft Accounts. The Credit Union may apply this exception to inactive accounts (accounts with no regular "in person" deposits or direct deposits). It can apply to a single deposit or an aggregate of deposits made in a single day. This also applies to members depositing in shared branching outlets.




 Re-deposited Items. Items previously returned by the paying institution for non-technical reasons (i.e., missing edorsement or the check is post-dated).


Emergency Conditions. Conditions such as war, earthquake, fire, flood, power or equipment failure, suspension of payments from another financial condition, or any other emergency. A hold will be placed on the funds for a reasonable time after the emergency has passed.


Notice. If the Credit Union decides to impose a specific hold, it will immediately deliver proper notice to the member depositor. In the event of a night deposit or shared branching deposit- we will attempt to call the member to notify them of the hold. If for some reason the Credit Union fails to contact the member or deliver notice at the time of the transaction, the Credit Union will refund any return check fees or overdraft fees assessed. The notice will include:




Statement that the Credit Union is holding the funds;
Reason for the hold;
Member's name and truncated account number;
Date and amount of deposit; and
Date the funds will be available.