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Routing Number: 307070050
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Help and Support

Explore the answers to a few of the most frequently asked questions. If the answer to your question isn’t here, contact us—we’ll get your question answered so you can get back to what’s important.
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Most Frequently Asked Questions

They say there’s no such thing as an original problem—which means there’s probably an answer waiting for you.

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What is your routing number?
Kirtland FCU’s routing number is 307070050

To reorder checks, log in to Online Banking, select the tab “Additional Services,” and then click "Reorder Checks." Or give our member service representatives a call or come into any one of our four convenient Albuquerque locations. Note: If this is your first time ordering checks for a particular account, you’ll need to stop by a branch to place an order.



Log in to Online Banking, select the tab “Additional Services,” and then click “Stop Payment.” You may stop single or multiple checks in one transaction—just enter the check number(s) and amount(s).

To stop an ACH payment, contact the debiting institution to request they stop it on their end. Kirtland FCU can also process stop payments on ACH—call us or come in to any of our four convenient Albuquerque branch locations to initiate this action.



To report a lost or stolen credit card or report fraudulent activity, call: 1-800-449-7728

To report a lost or stolen debit card or report fraudulent activity, give us a call at 1-800-880-5328.

Traveling outside your normal spending zone can trigger account alerts and may even cause your card account to freeze as a precaution, preventing you from making legitimate purchases. Let us know before you go! Call our member service representatives at 1-800-880-5328.

Open the Wallet app on your iPhone or Apple device, and follow the on-screen prompts for adding your card. Some cards require further verification—if prompted, call the number provided within the app to complete the process.

And if you’re still having trouble, give us a call. We’ll walk you through it!


Yes. To make a payment on your Kirtland FCU loan, log in to your Online Banking account, select the “Move Money” tab and click “Loan Payment.”  This tab will allow you to make a one-time payment or set up recurring payments, so you never miss a loan payment again.
Your Kirtland FCU loan account is also listed on your account summary page. You may click the “Pay” icon on the loan account to schedule a payment.

If you’re paying with your account at another financial institution, simply have the account and routing number available for the “from” account. It’s free!

Yes. You can schedule transfers between your checking/savings accounts at Kirtland FCU and another financial institution in Online Banking with External Transfers. Log in to Online Banking, select “Move Money” tab and click “External Transfers.” Select “Transfer between my accounts” in the orange and gray box, and enter your information from the other financial institution.
External Transfers have a $2 fee for a 3-day transfer.

If you’re a current user and have forgotten your PIN, follow the links in the log-in box to reset it. First-time users, please give our member service representatives a call to get started.


We’ve all forgotten a username or password. Follow the appropriate links underneath the login box to recover a username or reset your password. If you haven’t registered for Online Banking, give us a call to get started.


Absolutely! Text or e-mail alerts are a great way to manage your spending and stay in the know regarding your money. Set up alerts with up to two (2) e-mail addresses and two (2) phone numbers—you can set alerts that help you avoid a low or negative account balance, notify you of unusual account activity, or help you keep track of spending in certain categories.

Log in to Online Banking, and select the “Alerts” tab to set your account alerts. Note: If you prefer additional contact options, you must first contact a Kirtland FCU representative.

Log in to Online Banking and select the tab “Additional Services” and click Online Statements.

Yes, cut-off times have been established for wire transfer requests. Please call 1-800-880-5328 for the most up to date cut-off time information.

Log in to Online Banking and select the tab “Move Money” and click “Schedule a Transfer.” Follow the on-screen prompts to schedule the transfer and check the box to indicate a recurring transfer.

Yes! Use the fields in the upper right of your home page in Online Banking. Use External Transfers if you have bank account information for the recipient. If not, you can pay anyone with just an e-mail address using PopMoney. These handy transfers are $2 for a 3-day transfer or $4 for a next-day transfer.

Most of your day-to-day banking activities can be accessed through your Mobile Banking App.
  • Check balances
  • Transfer money
  • Make payments
  • Pay bills
  • Deposit checks via mobile
  • Apply for loans (personal, vehicle, and credit cards only)
  • Open an additional checking account
  • and more! 

$5,000 per day and $10,000 per month (calculated on a rolling 30-day period).

These limits are cumulative, not transactional—making a single $5,000 deposit or 20 $250 deposits will result in the same amount applied toward your daily and monthly limit.

You can deposit the following endorsed checks from U.S. financial institutions:
  • Personal checks
  • Cashier/Official checks
  • Teller checks
  • U.S. Treasury checks
The following check types cannot be deposited:
  • Foreign checks
  • Savings bonds
  • Checks made payable to a business
  • Third-party checks

Normal hold procedures apply to all checks submitted via Mobile Deposit; funds are not immediately available. Funds will become available according to the following schedule:
  • Weekdays: The cutoff for same-day availability is 3:00 p.m. MT and processing will begin at 3:30 p.m. MT. Funds are generally available after 4:30 p.m. MT.
  • Nights/Weekends: Deposits made after 3:00 p.m. MT, or on a weekend or holiday, will process the next business day. Funds will be available after 4:30 p.m. MT next business day after the deposit is made.
  • Large Checks: If your check is greater than $200, the first $200 will be processed normally (weekday/weekend processing schedules apply). The remaining amount will be processed two business days later, in accordance with the Federal Reserve Board Regulation CC.

We review ALL deposited checks. If your check is rejected, review the check for the following:
  • Make sure the payee is on the account you’re depositing to
  • A missing or irregular payer signature
  • Numeric and written amount variance
  • A missing or irregular endorsement (must have “Mobile Deposit Only” written in the endorsement area), signature, or account number
  • A stale date or missing date
  • An illegible amount
If you discover any of these items, the check will need to be re-issued to you prior to deposit.

If your mobile device is lost or stolen, log in to Online Banking as soon as possible and change your password as a precaution. You may also contact your service provider—often, they are able to deactivate or wipe the data from your lost/stolen phone.

  • bal Check the balance in your primary account. (The account you designate as primary, must be set up through Online Banking)
  • bal all -  Check all account balances
  • bal chk - Check checking account balances.
  • bal sav - Check savings account balances.
  • last - Get the last five transactions on your primary account.
  • trans - Transfer funds from a designated account to your designated primary account. Enter the transfer amount following the command with no spaces or special characters. Ex TRANS200
  • stop - Deactivate text message banking service
  • help - Get Text message with a list of text message banking commands.

Log in to Online Banking, click on “Additional Services,” choose “Mobile Banking & Alerts,” and Text Message Banking will be available in the right column.

Easy! To access the 24-hour TellerPhone system, dial 1-800-880-8277. Have your account number and PIN ready, and follow prompts to complete your tasks. It’s convenient and ready when you are.

Courtesy Pay and Overdraft Protection are different layers of security to protect you from the merchant fees associated with returned checks.

When a check clears from your account without the funds to cover the entirety of the check, Overdraft Protection will cover you if certain criteria are met. You must have a secondary account (such as a savings account) with funds available for transfer. Kirtland FCU will automatically transfer the needed funds to cover the check, avoiding both merchant fees and Kirtland FCU’s NSF fees.

If you do not have a secondary account with funds available, you may still be covered by Courtesy Pay. Kirtland FCU will clear the check to the merchant, creating a negative balance in your account but avoiding merchant fees for a returned check. The charge for Courtesy Pay is a NSF fee of $30 per transaction. We will pay checks that are negative up to $500, including the assessed NSF fee. You then have 30 days to bring your account current. 

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