Online Services

Online & Mobile Banking Services

When your busy schedule keeps you away, our Online and Mobile Banking Services ensures that you can access and manage your accounts anywhere, anytime.

Online Banking

  • View account balances and history, including cleared checks
  • Pay bills with Free eBill Pay Convenience
  • Access eStatements as well as Mortgage* and Credit Card history
  • Conduct transactions (stop payment, withdrawal check, etc.)
  • View and activate Check Card Purchase Rewards
  • Monitor spending and track goals with Free FinanceWorks™ Money Management
  • Add a product, such as Checking, Check Card, Money Market
  • Apply for a loan (Auto, Home, Student, Equity) or Credit Card
  • Reorder checks

*The site to view Mortgage history is best viewed using Safari 6.2+ Internet Explorer 10 or 11, Mozilla Firefox 11.0+ or Google Chrome.

Log In To Online Banking For The First Time

To log in to Online Banking for the first time, use your share account number as your user name and the last four numbers of your social security number as a password. You will be prompted to change this information once you're logged in.

Access our Online Help Index if you experience difficulty logging on.

Bill-Pay & Presentment

Bill-Pay & Presentment allows you to receive, view, and manage bills online, as well as schedule single or recurring payments, all from the same online location. Bill-Pay is free when you pay at least one bill per month. Users may pay 30 items monthly at no charge. Subsequent items are $.50 each. Your first three months after you enroll are free, giving you time to enter your merchant information. Afterwards, just pay one bill per month and it remains free. Otherwise, there is a $5 monthly service charge. 


  • Pay your bills anywhere you have internet access and a PC
  • Make payments with ACU's free Android™, iPad®, and iPhone® Apps
  • Payments are 100% guaranteed safe, secure and on time*
  • Pay all your utilities, service companies and more in one place, with one password
  • Schedule automatic, recurring or single bill payments with ease
  • Avoid late fees and keep youself in good-standing with merchants with same and next
    day payments options**
  • Set up, modify or cancel a payment whenever needed
  • Set up eNotices and eBills and the system remembers your payment schedule for you
  • Buy fewer stamps and order less checks.

Get Started:

  1. Login to Online Banking.
  2. Select Payment Manager from the menu bar.

*Must schedule payments in agreement with the Terms and Conditions for the service for the guarantee to apply. **Some restrictions may apply.

eBill Convenience

Electronic bills, also known as "eBills" are a convenient, secure and enviromentally friendly way of delivering many of the bills you pay.

An eBill is an electronic version of a paper bill that you can view and pay online. eBills contain all the same information you're used to seeing in your paper bill. Instead of being delivered to your home mailbox, eBills are delivered to ACU's Online Banking where you can enter the amount, schedule the date you want the bill paid and click to pay. It's that easy and it's free.
You can print or file your bill online for easy record keeping.

To get started, login to Online Banking, click Payment Manager in the navigation bar, and click Set-up eBill.


Go paperless with eStatements. eStatements are secure, fast, and free. You can view eStatements anywhere and anytime by logging into Online Banking and selecting eStatements.

  • View your statement sooner each month 
  • Retrieve or save up to 18 months of statement history
  • Enjoy password protected and encrypted security within Online Banking

Steps to set up eStatements

  • Step 1: Log in to Online Banking
  • Step 2: Select Additional Services
  • Step 3: Click eStatements
  • Step 4: Type in your email address and create a password
  • Step 5: Click on the Sign Up button


eNotices are located within eStatements and is a fast, easy way to receive notices that once were delivered by snail mail. Notices you want to receive in a timely manner such as non-sufficient funds, late loan payment and loan billing notices.

To access eStatements and eNotices, simply sign on to Online Banking and select eStatements

Mobile Banking

No matter where you are, ACU's Mobile Banking is the fast, easy way to stay connected to ACU when you're on the go! Simply point your web-enabled mobile device to, and you'll have immediate, secure Online Banking access to:

  • Account balances
  • Transaction history
  • Transfer funds
  • ATM/branch search
  • And more!

No software is required—usernames, passwords and security prompts are the same as those used for Online Banking. ACU Mobile Banking is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data that passes between the wireless gateway and ACU's web servers is encrypted using Secure Socket Layer (SSL) technology.

It's convenient, free banking on the go!* To use ACU's Mobile Banking, you must be a Online Banking user and have logged in to the system and accepted the terms and conditions.

*Service requires Internet access from your mobile wireless device; airtime and carrier fees per your contract/plan may apply.

Mobile Banking Frequently Asked Questions View a Demo. 

Mobile Apps

Free Android, Kindle Fire, iPad, and iPhone Apps. Now available on Android tablets too.

Your finances anywhere, anytime and secure!*
No matter where you are, our free iPhone, iPad, Android, and Kindle Apps are the fast, easy way to stay connected to ACU when you're on the go! With ACU's App, you'll have immediate, secure Online Banking access to:

  • Checking account balances
  • Review transaction history
  • Deposit Checks
  • Pay Bills
  • Transfer funds
  • Search for an ATM/branch
  • And more! 


 *Must be an Online Banking user and have logged into the system and accepted the Terms and Conditions prior to accessing the app. Requires mobile Internet access from your device; airtime and carrier fees per your contract/plan may apply. The trademarks, logos and names of other companies, products and services are the property of their respective owners. 

Text Banking

Request and receive account information via text message. Great when you want a quick and secure way to access information without having to sign in to Online Banking, Mobile Banking or our App. Text banking is the best option for members without smartphones. If your phone can send and receive texts, it can use Text Banking. It's secure and it's free.

Set-up Text Banking in 3 Easy Steps:

Step 1 – Login to Online Banking and Activate
Login to, select the Text Banking option and select Activate from the menu.

Step 2 - Verify your phone
Enter your cell phone number, and you’ll receive a text message with a unique activation code. Using this code, complete the online verification process, set your preferences and you're done!

Step 3 - Start texting
Send a text message like "BAL" to 454545 and we'll send the response with your balance right back to your phone. It's just like texting a friend!

Here are some of the requests you can make with Text Banking


Primary account balance

bal all

All account balances


Last 5 transactions

bal chk

Account balance checking account

bal sav

Account balance savings account


Transfer funds to primary account


Help on keywords


Deactivate Text Message Banking Service
 *Your mobile carrier's text messaging charges may apply.

FinanceWorks-Free Money Management Tool

ACU's Free FinanceWorks™, within Online Banking, makes it easy to manage your money by organizing all of your Checking, Savings and Credit transactions (ACU and otherwise). This simplified, intuitive system allows you to monitor your account history, receive alerts, track your net worth, control debt and stay on budget—without any software to install or information to download. Simply select FinanceWorks from the menu bar in Online Banking to get started.

Check out FinanceWorks

Quicken Support


Prepare and file your income taxes from within Online Banking, thanks to TurboTax’s basic service. Turbo Tax automatically inputs your ACU account information. Select TurboTax from the menu bar within Online Banking to get started.

TurboTax Frequently Asked Questions
TurboTax Support

Secure Support E-mail

Secure Support provides e-mail communication initiated by Members from within Online Banking. You can write a secure e-mail message, view past e-mails sent and received, and manage your inbox. Each e-mail is identified as delivered securely from within an Online Banking session to ensure that confidential information is only shared in secure interactions.

Simply sign on to Online Banking and select Secure Support.

EZDeposit & Mobile EZDeposit

With EZDeposit, making deposits has never been faster, easier, or more convenient. Use EZDeposit to deposit checks and make payments to your account anytime, anywhere by scanning and submitting through Online Banking. Mobile EZDeposit is also available in our Apps for iPhone, iPad, and Android smartphones.

Once approved, funds are posted to your account. The maximum deposit limit per day is $5,000. To ensure that your records remain accurate, ACU recommends printing a receipt and retaining deposit documents for up to 120 days.

In order to qualify for EZDeposit, members must:

  • Be at least 18 years of age
  • Be enrolled in Online Banking
  • Have an active ACU checking account
  • Have maintained a relationship with ACU for at least 90 days
  • Be in good standing with ACU (i.e. no negative balances, no late payments on ACU Loans, not had an ACU Loan written off, etc.)
  • Not had a non-sufficient fund (NSF) fee applied to their account within the past 12 months 
  • Adhere to the EZDeposit Terms of Agreement, dependent on service choice.

To use EZDeposit:

  • Login to Online Banking
  • Go to Additional Services in the menu
  • Go to EZDeposit under the Online Services submenu

    Mobile EZDeposit is available in our Apps for iPhone, iPad, and Android smartphones. All qualifications of EZDeposit also apply to Mobile EZDeposit. Learn More.


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