Command Center

Your Whole Financial Life, One Dashboard

Credit score, identity protection, dark web monitoring, and every subscription you pay for, built right into ACU Online and Mobile Banking. Free with Affinity Free Checking, no separate app or login.

Open Command Center See What It Does

Member reviewing her credit score and finances on her phone

Inside Online Banking

Six Tools, Zero Extra Apps

Everything below lives behind the login you already have. The base version is free with Affinity Free Checking; Premium unlocks the deeper tools for $6.99 a month.

Credit Monitoring

See your credit score anytime, read your full report, and understand the factors moving it. Premium adds real-time updates, a score simulator, debt analysis, and a debt-to-income calculator.

Personal Information Protection

See where your personal information has been exposed online. Premium automatically requests removal from data broker sites and keeps monitoring.

Identity and Dark Web Monitoring

Alerts when your identity information shows up where it should not. Premium adds Social Security number monitoring, change-of-address monitoring, and identity theft insurance.

Subscription Management

Every recurring subscription in one view inside mobile banking. Premium lets you cancel directly from the dashboard with daily refresh.

Rent Reporting (Premium)

Report on-time rent payments to TransUnion, including up to 24 months of past payments, and build credit from rent you already pay.

Student Loan Aid (Premium)

See all your student loans in one place and find repayment plans that fit your budget.

Getting Started

Already Yours in Three Steps

Log In

Open ACU Online Banking or the ACU Mobile App. Command Center requires an Affinity Free Checking account in good standing.

Find Command Center in the Menu

No separate download or registration. It is already in your banking menu, ready on first open.

Choose Free or Premium

Start free with credit monitoring, exposure alerts, and subscription views. Upgrade to Premium ($6.99 a month) for the full toolkit. Sign up for Premium before September 30, 2026 and your first month is on us.

Command Center FAQs

Frequently Asked Questions

What members ask most about Command Center.

What is Command Center?

Command Center is ACU's all-in-one financial wellness dashboard, built right into ACU Online and Mobile Banking. It brings credit score monitoring, personal information protection, dark web monitoring, and subscription management into the banking you already use, with no separate app or login.

How much does Command Center cost?

The base version is free with an Affinity Free Checking account. Command Center Premium is $6.99 a month and adds real-time credit updates, a credit score simulator, automated data-broker removal, identity theft insurance, subscription cancellation, rent reporting, and student loan tools.

How do I get Command Center?

Open ACU Online Banking or the ACU Mobile App and find Command Center in the menu. If you have an Affinity Free Checking account in good standing and are enrolled in online or mobile banking, it is already waiting for you. No separate download or registration is required.

Does checking my credit score in Command Center hurt my credit?

No. Command Center uses soft inquiries to show your score and report, which never affect your credit. Check as often as you like.

What does rent reporting do?

With Premium, Command Center reports your on-time rent payments to TransUnion, and can report up to 24 months of past payments, helping renters build credit history from payments they already make.

Is my information safe in Command Center?

Command Center lives inside ACU's online banking, behind the same login and security you already use. Its identity tools work for you: dark web monitoring, exposure alerts, and with Premium, Social Security number monitoring and identity theft insurance.

The Fine Print

Command Center requires an active Affinity Free Checking account in good standing and enrollment in ACU Online or Mobile Banking. The base version is provided at no charge; Command Center Premium is $6.99 per month. The first-month-free Premium offer applies to sign-ups completed by September 30, 2026. Credit scores and reports are provided through soft inquiries and do not affect your credit. Identity theft insurance is available with Premium; coverage terms are provided at enrollment. Rent reporting is provided to TransUnion. Command Center is a financial wellness tool, not credit repair, legal, or tax advice.