Membership & FAQs


Frequently Asked Questions (FAQs)

Becoming a member

Who can join?
If you live, work, worship or go to school in Erie County, you’re eligible for Empire ONE Federal Credit Union membership and access to all of the credit union’s member benefits. Once you join, members of your immediate family may also join and enjoy the full privileges of membership.

How can I join?
If  you’d like to become an Empire ONE member and take advantage of the many benefits the credit union provides, you can:

  • Join in person—Simply stop by any of our branch locations and speak with a Member Service Representative.
  • Download and mail your application—Download the Empire ONE Membership Enrollment Application, complete and sign it, have your signature notarized, and mail your application along with your check for the minimum deposit of $25.00 and a photocopy of your government issued picture ID/driver’s license. Please note: If your account will be a joint account, both Primary and Joint Member information sections must be completed and signatures notarized, and photocopies of IDs for both must be included.
  • Call us—Contact your local branch, and we’ll send you an Empire ONE Membership Packet and help you open your new account.

All new accounts are verified with Chex Systems. We reserve the right to deny any new accounts when any derogatory information is given.

Are my family members eligible to become members?
Yes, once you are an Empire ONE FCU member, your immediate family members and others living in your household are eligible to join.

Account information

Are my deposits insured?
Yes, your deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government.

What is Empire ONE FCU’s routing and transit number?
The Routing and Transit number for all Empire ONE accounts is 222079466.

How do I make deposits into my account(s)?
You can make deposits in person at any branch location. You can also sign up for Direct Deposit or Payroll Deduction to have funds automatically deposited into your account(s).

How can I withdraw money from my account(s)?
You can withdraw funds in person at either branch location. You can also use your Empire ONE Visa® Debit Card to make up to six no-fee withdrawals per month at our Orchard Park branch location and at thousands of ATMs in the AllPoint network. Additionally, you can access your account(s) at shared service ATM locations throughout Western New York.

How do I change my name or address on my account(s)?
You can change your address by visiting any branch location. You can also call 716.854.2458 to request a change of address form that can be mailed back to us.

How do I order new checks (share drafts)?
You can order new checks online from Harland Clarke, or by visiting or calling any Empire ONE branch, through the Virtual Branch or by using telephone banking.

If you have additional questions about becoming a member or any of your Empire ONE accounts, please contact us by email or call or visit your local branch.


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