African Diaspora Federal Credit Union was liquidated on August 6, 2026. If you had an account at the credit Union, please expect a payout of your insured shares within 10 business days of liquidation.

SMS Terms & Conditions

Effective Date: August 4, 2026

These SMS Terms & Conditions (“Terms”) govern your use of text messaging services provided by African Diaspora Federal Credit Union (“ADFCU,” “we,” “our,” or “us”). By providing your mobile phone number and opting in to receive text messages, you agree to these Terms.

1. Consent to Receive SMS Messages

By voluntarily providing your mobile phone number and selecting the SMS consent option during the account application or enrollment process, you expressly authorize ADFCU to send text messages to the mobile number you provide.

Your consent to receive text messages is not a condition of becoming a member, opening an account, obtaining a loan, or receiving any other ADFCU product or service, except where SMS authentication is required to protect your account or verify your identity.

2. Types of Messages

ADFCU may send text messages relating to your membership or account, including:

  • One-Time Passwords (OTP)
  • Multi-Factor Authentication (MFA) verification codes
  • Identity verification messages
  • Account security alerts
  • Fraud alerts
  • Login verification
  • Account activity notifications
  • Appointment confirmations
  • Service-related notifications
  • Regulatory or legally required account communications

ADFCU does not send unsolicited marketing or promotional text messages unless you separately opt-in to receive them.

3. Message Frequency

Message frequency varies based on your account activity, login attempts, security events, and requested services.

4. Message and Data Rates

Message and data rates may apply according to your mobile carrier’s plan. Contact your wireless carrier for information regarding your messaging and data charges.

5. Supported Carriers

SMS services are supported by most major U.S. wireless carriers. Message delivery is subject to effective transmission by your wireless carrier and may be affected by network availability.

6. Opting Out

You may opt out of receiving optional SMS messages at any time by replying STOP to any message.

After opting out, you will receive a confirmation message indicating that you have been unsubscribed.

Please note that opting out of SMS may prevent you from receiving important account alerts or authentication codes necessary to access certain online services.

7. Help

For assistance, reply HELP to any ADFCU text message or contact us using the information below:

Email: info@africandiasporafcu.org

Website: www.africandiasporafcu.org

8. Privacy

Your privacy is important to us.

Your personal information and mobile phone number are handled in accordance with the ADFCU Privacy Policy.

Your mobile phone number will never be sold, rented, or shared with third parties for their own marketing purposes.

9. Supported Use

You agree to provide a valid mobile phone number that you own or are authorized to use.

If your mobile phone number changes, you agree to notify ADFCU promptly so that your account records remain accurate.

10. Disclaimer

Text message delivery is not guaranteed. Delivery may be delayed or prevented due to carrier issues, network congestion, wireless coverage limitations, or technical problems beyond ADFCU’s control.

ADFCU is not responsible for delayed or undelivered messages.

11. Changes to These Terms

ADFCU reserves the right to modify these Terms at any time. Updated Terms will become effective upon posting on our website unless otherwise required by law.

12. Contact Information

African Diaspora Federal Credit Union

Email: info@africandiasporafcu.org

Website: www.africandiasporafcu.org

SMS Consent Section for Online Membership Application

Mobile Phone Number

SMS Consent

  • I agree to receive text messages from African Diaspora Federal Credit Union (ADFCU) at the mobile phone number provided above.

These messages may include:

  • One-Time Passwords (OTP)
  • Multi-Factor Authentication (MFA) verification codes
  • Identity verification messages
  • Fraud alerts
  • Account security notifications
  • Account activity alerts
  • Other important account-related communications

Message frequency varies.

Message and data rates may apply.

Reply STOP to opt out of optional text messages.

Reply HELP for assistance.

Your consent is not a condition of membership or obtaining financial services, except where SMS verification is required to authenticate your identity or secure your account.

By checking this box, you confirm that:

  • You are the authorized user of the mobile phone number provided.
  • You consent to receive SMS messages from ADFCU regarding your account and services.
  • You have read and agree to the ADFCU Privacy Policy and SMS Terms & Conditions.