Welcome, LINKBANK Customers!

We are excited to welcome LINKBANK members to our family and invite you to become a member of American Heritage at no cost to you.

The effective merger date is April 1, 2025. 

Over 70 years of revolutionary membership service.

 

What does Membership at American Heritage Mean?

All credit unions are owned and controlled by their members. A share (savings) account is your financial share of the credit union, which gives you ownership and a democratic say in how the organization is run. This is different from being a bank customer, where your checking or savings account is not connected to having a financial stake in the business. To maintain your share account, an initial $15 deposit must be made to your account. American Heritage will cover this fee for all LINKBANK customers when they decide to apply for membership. More details can be found in the Notice to LINKBANK Customers FDIC letter.

Your membership may contain many different products, but on your membership card, you will only see your primary checking and share (savings) account numbers. For more information about your other accounts, please visit a local branch, log into your American Heritage Online Teller or Mobile Teller account or call our Member Concierge Service at 215.992.0225.

Must I become a Member?

Yes, credit unions are member-owned cooperatives, so membership is required to open a personal account. For more information on how to join the American Heritage Family, please refer to the Notice to LINKBANK Customers FDIC letter that was sent by LINKBANK at the end of February; Page 2, section labeled "Becoming a Member". You must complete our Membership Form which is accessible on the Become a Member page.

 

How do I make a loan payment?

Payments can be made in a variety of ways:

  • Transferring payment funds from your American Heritage Checking or Savings, to your loan account, using the American Heritage Online Teller or Mobile Teller App
  • From the QuickPay Guest Portal
  • Mailing a check payment to
    • AMERICAN HERITAGE CREDIT UNION
      2060 Red Lion Road, PO Box 52458
      Philadelphia, PA 19115
  • Visiting a local branch 

Why A Credit Union?

As a financial cooperative, credit union funding comes from the pooled accounts of our members. We use those funds and fee income to provide members with interest on their savings, new and improved services, and a wide range of loans. Credit union profits go back to the members, our shareholders, rather than external investors.

When you become a member of a credit union, you also become a partial owner of that credit union. Members have the ability to vote for a democratically-elected volunteer Board of Directors who oversees the credit union. The American Heritage President & CEO reports to this board.

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March 6, 2025
  • New checks are mailed
March 10, 2025
  • Debit Card is mailed
March 10 - 20, 2025
  • New checks are delivered
March 20 - 31, 2025
  • Debit Card is delivered
March 31, 2025
  • LINKBANK’s Online/Mobile Banking and LINKBANK’s Telephone banking Systems will be deactivated  at 5:00 PM
  • Last day to schedule/edit payments on LINKBANK’s Bill Pay System
  • Bill Pay System is unavailable for additions/edits/cancellations after 5:00 PM
  • LINKBANK Debit Card is de-activated estimated to be 8:00 PM
April 1, 2025
  • American Heritage Online, Mobile and Phone Teller access available for use after 11:00 AM
  • American Heritage Debit Card is active by 11:00 AM
  • American Heritage Bill Pay System available for use after 11:00 AM
  • American Heritage Checking Account is active
May 31, 2025
  • Incoming direct deposits/automatic payments to LINKBANK accounts stopped
  • Check clearing stopped on LINKBANK Accounts
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Here are some important updates regarding the merger once you decide to become a member. For more information, please utilize the Merger Instruction Manual.

      Account Information

      It is important that we have your correct information on file such as phone number, account holders, etc. on file – this helps validate your Online Teller credentials, activate your cards, and more. If you need to make changes to your account or phone number, you can easily complete this by using our online forms library here. After you submit the form, it will take approximately one business day to update your information in our system – the phone number of record for your cards and Online Teller will then automatically update as well. You can also complete account updates at an American Heritage branch. Please note that we are experiencing heavy call volume.

      Direct Deposit

      When you receive your new checking account information, please contact your payroll department and/or any service provider with whom you have an automatic debit or third-party bill pay relationship to provide them with your new account information.

      You will need American Heritage’s ABA Routing and Transit Number (236082944) and your 13-digit account ACH number, found on the bottom of your new American Heritage checks. You can also find this information on your Account Card in this welcome Packet or through our Online/Mobile Teller under:  Your Name > Other Options > View Account Card.

      If you need assistance updating your Social Security or pension direct deposit, please visit your local branch or call our Member Concierge Service at 215.992.0225.

      American Heritage Credit Union will continue to post Direct Deposit or Auto Debit transactions to your account through May 31, 2025; however, you will want to provide third-party service providers with your new information to keep your records up-to-date.

      Bill Payment

      Since both LINKBANK and American Heritage use the same Bill Payer provider, we will be converting all bills after 12:00 PM on Tuesday, April 1, 2025.  You will see all payees and scheduled payments upon your first login to American Heritage Online Teller or Mobile Teller.

      For Business accounts utilizing LINKBANK’s Business Bill Pay platform, please note all payees, scheduled payments and history will transfer over to American Heritage’s Consumer Bill Pay platform.

      Please login to Online Teller via AmericanHeritageCU.org on April 1, 2025 to review your current bills to make sure everything is set up correctly. If you need assistance with your Bill Pay accounts, please call our Member Concierge Service at 215.992.0225 or visit your local branch. 

      Online Banking

      American Heritage has an extremely robust Online Teller that you will be able to begin using on Tuesday, April 1, 2025, available after 11:00 AM. Your previous access to LINKBANK's Online Banking Platform will not be available after 5:00 PM on March 31, 2025.

      If you previously used LINKBANK’s Online Banking service, your  Online/Mobile Teller login information has been provided in your Welcome Kit. Please note for Business/Commercial accounts, only the Primary Account holder will be registered. If you are a first-time user, login instructions can be found below. You will be prompted to change your password after you log in.

      If you have never used the service or signed up after January 31, 2025, then you will need to use the self-registration feature on the American Heritage website or on American Heritage app. You will need your 10-digit American Heritage Account Number for self registration. Your login credentials will be used for your Online Teller access, as well as our Mobile Teller App.

      Debit Cards

      Your new American Heritage Debit Card was mailed during the week of March 10, 2025. Delivery normally takes 10-12 business days and should be delivered to the address on file by March 31, 2025. If you have not received your card, please contact our Member Concierge Service at 215.992.0225.

      Upon activation, your new American Heritage Debit Card will be available for use starting at 11:00 AM on April 1, 2025.

      Your LINKBANK Card will be de-activated on Monday, March 31, 2025 after nightly processing runs estimated to be 8:00 PM.

      If you have any recurring payments, such as utilities, subscriptions, streaming services, gym membership, E-ZPass, etc. applied to your current card(s), make sure to update your payment information with your new card information after April 1, 2025  to avoid any payment delays.

      Checks

      For Consumer Accounts, a supply of 60 free checks will be mailed on  March 6, 2025, and should be delivered to the address on file by  Thursday, March 20, 2025.

      Business/Commercial accounts, are being provided a $50.00 promotional credit towards their first check order when order is placed with our vendor, Harland Clarke. Please visit AHCU.co/OrderChecks to order your checks. Costs greater than $50.00 will be debited from the member's new American Heritage Checking Account on April 1, 2025.

      After April 1, 2025 , you can login to Online/Mobile Teller to place an order  for additional checks or consumer check orders call the Member Concierge Service at 215.992.0225, for business checks please call Commercial Operations' number at 215.969.2883.

      Please be sure to destroy your LINKBANK checks after April 1, 2025. You are welcome to bring old checks into your local American Heritage branch and discard via our secure document disposal. 

      New Jersey Branches

      The former Link Bank branches in Moorestown, Evesham, and Cherry Hill have reopened as branches of American Heritage. Link Bank members can use those locations or any of American Heritage’s 35+ locations. For a full list of American Heritage locations, visit our locations page here.

      VANA

      Our Video Advisor service (VANA) can be reached directly from the link in the navigation at the top of this page or by starting a call here. You can use VANA for a variety of account maintenance updates.

      Open Chat

      We are here to help!

      Please utilize our helpful Instruction Manual for important FAQs and account information to make your merging experience as seamless as possible.
       
       

      Discounts and Savings

      Save more with your American Heritage Membership by taking advantage of brand partnerships and exclusive deals. Save on everything from sports tickets to home security!
       

       We also offer...

       

      Learning Center

      The Learning Center helps individuals work through difficult financial situations, create budgets, manage their day to day finances and save for the future. Financial Wellness is at the heart of what we do as a credit union.
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