ACU Card App

Our free app gives you complete control over your ACU Visa credit card. It works with iPhone, Android, and most other mobile phones. Download the app to get such features as:

  • Transaction Alerts. Get notified about all card activity.
  • Card Controls. Turn your card on and off for greater peace of mind.
  • Seamless Travel. Turn on your phone’s location capabilities to get your transactions approved while you’re away from home.
  • Visa Checkout Provisioning. Register your card for Visa Checkout, the easy and secure way to pay online.

Get Started

  1. Download the ACU app from Google Play or the Apple App Store.
  2. Register your ACU card to receive alerts.
  3. Update your Settings & Profile to receive alerts via text, email, or push notifications. Please note that message and data rates may apply.

For help using the ACU card app please contact us at 866.968.7128.

ACU Card App FAQs

How do I register for the ACU card app?

  1. Download the app from the Apple App Store or the Google Play Store.
  2. Tap on “Create an Account”
  3. Read and accept the ACU terms and conditions
  4. Enter:
    • Full name
    • Email address
    • Username
    • Password
  5. You will receive a verification code via SMS
  6. Enter the activation code into the app
  7. Tap “Continue”
  8. Add personal information and answer a few questions to verify your identity
  9. Tap “Add” to activate the app
  10. Set up customized alerts and controls once your card is added

What operating systems (OS) does the app require?

Our app requires the following OS:

  • Android 4.1 or higher
  • Apple iOS 8.0 or higher
  • Standard Internet data connectivity setting for your network operator (GPRS or 3G). These settings are usually pre-installed when you buy the phone.

Is the ACU card app secure?

Absolutely. The app can only be accessed from your mobile phone using your username and password or fingerprint. Visa regularly tests, updates, and validates its security model to ensure they maintain a banking grade level of security. They also use recognized and independent security experts to validate the security of the app.

What account alerts are available?

Our alerts help you stay in control of your finances and keep your account safe from overdrafts and fraud. You can  receive alerts via text, email, or push alerts on your mobile device. Push alerts are only available to users that have an Android OS 3.0 or higher or an iPhone OS 6.0 or higher. Push alerts are only available for debit cards.

Where do I manage my alerts?

You can manage your alerts, including how you want to receive your alerts, within the app on your mobile phone, in the Alerts feature, or from the website.

What if I forget my password?

  • Tap “Forgot?” in the Password section of the sign in screen
  • Enter your username and tap “Send Instructions”
  • You will receive an email with a verification code
  • Enter the verification code in the Verify Email Address Screen
  • Tap “Continue”
  • Enter and confirm your new password
  • Tap “Reset Password”
      • The password must be 7-32 alphanumeric and special characters
      • The password cannot be ascending or descending sequence (123456789, 987654321) and one digit cannot make up over half the password
  • You will be then be taken to the sign in screen to enter your new password

What if I don’t receive the password reset email?

  1. Tap on “Send New Code”
  2. Look for the verification email
  3. Enter the verification code provided in the email on the Verify Email Address screen
  4. Tap “Continue”
  5. Enter a new password and confirm password on the Reset Password screen
  6. Tap “Reset Password,” which takes you to the sign in screen
  7. If you still do not receive the verification email, log into the CSR Tool
  8. Select the Issuer App, enter your email address, and click “Search”
  9. Confirm that the email address you provided is the primary email address on file. If not, go to step 13. If it is, follow steps 10-11
  10. Check your spam or junk folder to see if the email was sent there
  11. If you are using a work email address and not receiving the confirmation email, confirm the email address and check your spam folders. Then have your employer check to see if the email is filtered out.
  12. If the email address you provided is not the same as your primary email address, indicate that this is not the email address on file.
  13. If it still doesn’t work, determine whether there is someone else on the account (such as a spouse) and use their email address. If someone else is not on the account, you will need to re-enroll using a different email address.

What if the link with the Forgot Password email does not work?

The link inside the Forgot Password email is only active for 30 minutes. If you try to click on it after that time period, you’ll receive an error message. You will then need to go through the “forgot password” process again to request another forgot password email.

My mobile account is locked? What happened?

The mobile account will be locked after five unsuccessful attempts to log on. If your account has been locked because of too many password tries, it will automatically be unlocked after 60 minutes.

What if I entered an incorrect email address when enrolling?

If you entered an incorrect email address during enrollment, you’ll need to go through the “Create an Account” process again using the correct email address.

Can I use multiple mobile devices to access my mobile account?

Yes, you can use up to 10 mobile devices. After downloading the app, do the following:

  1. Go into your menu drawer and tap “Profile,” then “Mobile Number,” and then tap the “+” sign next to the phone number
  2. Add the phone number and tap “Save” and then “Confirm”
  3. Wait for the verification email to your primary email address. When they receive the email, enter the verification code into “Verify Number Screen” and tap “Continue”
  4. You will then be taken to the main app screen

What is ACU Pay?

ACU Pay allows you to tab your NFC Android mobile device at any Visa PayWave enabled POS terminal to complete a transaction without having a card present. This service is supported for Android devices running operating systems 4.4 (“KitKat”) or higher that have NFC and Host Card Emulation (HCE) installed. This service is not supported for Apple iOS devices.

How do I set up ACU Pay?

ACU Pay offers three options for paying in store:

  1. Quick Access. This allows you to view cards enrolled in the app and pay in-store without signing into the app. To use:
  • Tap the menu drawer
  • Tap “Settings”
  • Tap “Quick Access” to turn it on

2. Pay in-Store. This requires you to sign in to the app in order to initiate payments. To use:

  • Scroll to the card to enroll for Pay in Store and tap the $ sign
  • Tap “Setup Pay In-store”
  • Enter the CVV code for the card and tap “Continue”
  • You will receive a Verify your Identity screen requesting to call Affinity to complete verification
  • Once the call with Affinity is complete the card is ready to be used to pay in-store

3. Always On. This function allows you to make a payment from your phone without logging into the app. You must choose a default card and have “always-on” enabled to use this feature. To enable:

  • Click the $ sign after logging onto the app
  • Follow the steps for Pay in-Store
  • Make the card your default Wallet
  • Select “Settings” from the menu drawer
  • Tap “Always On”
  • Slide toggle button over to “On”

What is Mobile Location Confirmation (MLC)?

Mobile Location Confirmation (MLC) helps protect your account by allowing geolocation intelligence to determine if your mobile device is in the same location as the merchant at the time of purchase. When a transaction is initiated, the merchant location will be compared to your mobile location device. When the data identifies that you and the merchant are in close proximity, it gives greater confidence to approve the transaction.

How do I enable MLC?

  • Go to the Menu and tap “Settings”
  • Tap “Location Match”
  • Check the box next to the card(s) you want to enable for location match

What are Consumer Transaction Controls (CTC)?

Consumer Transaction Controls allow you to suspend and reactivate any cards enrolled in the ACU card app. When a card is suspended any attempted transactions will be declined until it is reactivated.

How do I set CTC?

  • Tap the image of the card to suspend
  • Slide over the toggle to suspend and confirm
  • To reactivate, tap the image of the suspended card and watch for the word “Reactivate” to appear over the image

Can I link to ACU’s mobile banking app?

Yes, the ACU card app supports app to app linking to our mobile banking app for Android users. The link does not support single sign-on and mobile banking credentials are required for login.

What is Visa Checkout Provisioning?

Visa Checkout is a digital payment service that allows you to skip entering your card number and shipping address when making online purchases.The ACU card app provides direct access to the Visa Checkout enrollment and management experience by passing your cardholder data from the app to Visa Checkout to streamline enrollment.

Why is the ACU card app reporting an error?

If you get an error when trying to use the ACU card app there may be a problem with your phone settings, so check there first. To fix other errors, try the following:

  • Service Unavailable error (or web service error). We recommend that you try using the app later. Occasionally, we need to make changes to the service that requires a temporary halt in service, and this may produce an error message.
  • Network Unavailable error. This indicates you are likely out of your network coverage, so try again later when you have better service.
  • System Unavailable error. This can be caused by high usage of the wireless traffic carrier, a poor signal, or a slower version of GPRS data service (especially if you have an older phone), so we suggest you try again later.

How do I delete my ACU card app account?

Open the menu drawer and then:

  1. Tap “Settings”
  2. Tap “Delete Profile”
  3. You will then receive a message stating “All information will be removed from this profile.” At this point your app account is deleted and you will no longer be able to sign in.

You can download the app again at any time using the Apple App Store or the Google Play Store.

Will the ACU app work on my iPod, iPad, and tablet?

The Android and iPhone apps will run on their tablet counterparts; however, they are not optimized for viewing on those devices.

What if I do not receive texts on my device?

Confirm the device is set to accept text messages.

How do I add multiple cards to my mobile account?

  1. Tap the “+” sign next to Cards in the main screen
  2. Tap on “Cards”
  3. Add your card information and tap “Add Card” and you will return to the main app screen

What if I lose my card?

  1. Contact ACU to report your card as lost and a replacement card will be sent within a few business days. (Please refer to terms and conditions for more information on reporting lost cards.
  2. Delete the lost card from the app service.
  3. When your new card arrives, add the card details to the mobile app. If a transaction is performed using your old card number, we will decline the transaction and automatically remove the card from the service.

Where do I find the app on my phone?

Once you have registered and downloaded the application onto your mobile phone, you will normally find it in your applications section, games menu, or in an icon that is placed on your screen.

What if I can't get the app to load on my phone?

If the app will not load on your phone, check your settings to make sure your mobile device meets the minimum requirements to run the application or change your device settings to allow the downloading of applications.

What if I have multiple cards?

If you have multiple cards, each one will be set up with a nickname. By default, your nickname will be the last four digits of your card number, but you also have the option to add a custom nickname. Once you create a custom nickname for your account, you must use this nickname to retrieve your card information. If you do not set up the nickname then you will simply need to enter the last four digits of your card number along with the desired text command to get your card information.

Why did my card fail verification?

For security reasons we cannot reveal why a card has failed verification. First, check all of the card and related information to your account to ensure it is accurate. If it still fails verification, contact ACU directly.

Do I have to be enrolled in the online banking service to use the ACU card app?

No, the ACU card app is independent of online banking.

Can I use the ACU card app abroad?

Yes, but the call charges will likely be significantly greater than if you were to use the service in the U.S. You will also need to ensure that your mobile phone allows international roaming. Check with your mobile carrier for information on charge rates and international roaming.

What if I change wireless carriers?

If you do not change your mobile phone number and mobile device when you switch to a another wireless carrier service, your service will work without interruption.

However, if you do change your mobile device but not your phone number, you will need to download the app to your new device. You will also need to authenticate your new device in order to use the app.

What if I lose my mobile device?

First, report the loss to your mobile carrier so it can cancel the phone and stop it from functioning. But as long as your password remains secure, then it will protect you from fraudulent use of the ACU card app.

In addition, SMS text notifications are a one-way communication to the mobile user and will not contain personally identifiable information. In most cases, you will keep your current mobile number when you receive your new mobile device. Once you get it, you can download the ACU app again and use your existing credentials to access it as part of the authentication process.

What if I upgrade my mobile device?

If you upgrade your mobile device, you will most likely keep your current mobile number with your new device. If so, you can download the ACU app again and use your existing credentials to access your mobile account as part of the authentication process. And if possible, delete the app from you old mobile phone before disposal.

What if I change my mobile phone number?

If you change your number, you’ll need to register again. To do this, use the email address in your original account setup to complete the authentication process.

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