There are two ways to reach Ken. On the ACU website, click the chat icon in the corner of any page to start a conversation. By phone, call 253-964-3113 and Ken answers immediately with no hold time. Both options are available 24 hours a day, 7 days a week.

Your 24/7 Digital Assistant

Meet Ken. Banking Help That Never Sleeps.

Q: What can Ken help me with?

Ken is America's Credit Union's digital banking assistant. Ken can check your balance, show recent transactions, transfer money between your accounts, make loan payments, report a lost or stolen card, reset your online banking password, and answer questions about ACU products, rates, branch hours, and locations. Ken is available 24 hours a day by web chat or by phone at 253-964-3113.

Q: Is my information secure with Ken?

Yes. Before Ken performs any account activity, you verify your identity through secure authentication, which can include two-factor verification and device biometrics like fingerprint or face recognition. Conversations are encrypted and monitored for security and accuracy, and account actions are logged the same way they would be with a teller.

Q: Does it cost anything to use Ken?

No. Ken is a free service for America's Credit Union members and visitors. There is no fee to chat, call, ask questions, or complete transactions with Ken at any hour.

Q: Can I still talk to a real person?

Always. Ask Ken for a representative at any point and your conversation transfers to the ACU member service team during business hours, along with the full context of what you already shared, so you never have to repeat yourself.

Q: What if Ken cannot answer my question?

If Ken cannot help, try rephrasing your question in shorter, simpler terms. If the request is outside what Ken handles, Ken connects you to a member service representative with your conversation history attached. You can also call 253-964-3113 and ask for a representative directly.

Check your balance, move money, pay a loan, or get an answer in seconds. Ken handles it by chat or by phone, any hour of any day, and hands you to a real person the moment you want one.

See What Ken Can Do Call 253-964-3113

24/7

Available every hour, every day

Minutes on hold when Ken answers

Ways to reach Ken: chat and phone

Cost to members, always free

Which Way Should I Ask

Get Help the Way You Like It

Ken works by chat and by phone, and real people are always one request away. Here is how to pick.

Browsing or multitasking?

Click the chat icon on any page of our website. Type your question in plain language and Ken answers in seconds, with links that take you straight to the right spot.

Chat with Ken on this site

Prefer to talk it through?

Call 253-964-3113 and Ken picks up immediately, day or night. Speak naturally, no phone menus to memorize and no hold music while you wait your turn.

Call Ken by phone

Something complex or sensitive?

Say “representative” at any point and Ken transfers you to our member service team during business hours, along with everything you already shared, so you never repeat yourself.

Ask Ken for a real person

What Ken Can Do

Ken Speaks Plain English

No commands to memorize. Short and simple works best, in chat or on the phone.

“What’s my balance?”

“Transfer $100 to savings”

“Make a loan payment”

“My card was stolen”

“Where is the closest branch?”

“Reset my password”

“What are your loan rates?”

“Show my recent transactions”

Why Members Use Ken

Built for Your Schedule, Not Ours

Branch lobbies close. Life does not. Ken keeps your credit union within reach around the clock.

Always On

Nights, weekends, and holidays included. Ken answers at 2 a.m. with the same accuracy as 2 p.m.

No Hold Music

Ken picks up the moment you call or type. Your question gets answered while other callers are still in the queue.

Bank-Grade Security

Account activity requires secure identity verification first, including two-factor authentication and device biometrics.

Finishes the Job

Ken does not just point you to a form. Transfers, payments, and card reports get completed inside the conversation.

Real People, One Ask Away

Say the word and Ken hands your conversation, context and all, to our member service team. No starting over.

Getting Smarter Daily

Ken learns from every conversation, so answers keep getting faster and more helpful for every member.

Getting Started

Talk to Ken in Three Steps

Open a Conversation

Click the chat icon on any page of our website, or call 253-964-3113 from any phone. Ken responds immediately.

Ask in Plain Language

Type or say what you need the way you would tell a teller. Short and specific gets the fastest answer.

Verify for Account Tasks

For balances, transfers, and payments, Ken confirms it is really you with secure verification first. Then it is done in seconds.

★★★★★

“My card went missing on a Sunday night and I was dreading the wait. Ken had it reported and locked before I finished my coffee. That kind of help at that hour is why I bank here.”

DENISE R.Lakewood Branch

Ken FAQs

Questions Members Ask About Ken

What can Ken help me with?

Ken handles the everyday banking most members call about: checking balances, reviewing recent transactions and deposits, transferring money between your accounts, making loan payments, reporting a lost or stolen card, and resetting your online banking password. Ken also answers questions about ACU products, current rates, branch hours, and locations.

How do I access Ken?

Two ways, both open 24 hours a day. On our website, click the chat icon in the corner of any page and start typing. By phone, call 253-964-3113 and Ken answers on the first ring, no menus and no hold time.

Is my information secure with Ken?

Yes. Before Ken touches any account activity, you verify your identity through secure authentication, which can include two-factor verification and device biometrics like fingerprint or face recognition. Conversations are encrypted and monitored for security and accuracy, and every account action is logged, the same standard we hold our tellers to.

Does it cost anything to use Ken?

No. Ken is free for every member and every visitor, every time. There is no fee to chat, call, ask questions, or complete transactions with Ken at any hour.

Can I still talk to a real person?

Always. Ken exists to handle the quick stuff so our member service team has more time for you when it matters. Ask for a representative at any point and your conversation transfers during business hours with full context, so you never have to repeat yourself. You can also visit any branch location.

What if Ken cannot answer my question?

Try rephrasing in shorter, simpler terms; Ken does best with one request at a time. If it is something Ken does not handle yet, Ken connects you to a member service representative with your conversation history attached, or you can call 253-964-3113 and ask for a representative directly. Ken learns new skills all the time, so what it can do keeps growing.

Your Next Question, Answered in Seconds

Skip the hold music and the lobby line. Ken is standing by right now, and a real person is always one ask away.

Call Ken at 253-964-3113 Back to Help Center

Important Disclosures

Ken is an automated digital assistant provided by America's Credit Union, A Federal Credit Union. Ken provides general information and completes member-authorized transactions; responses are not financial, legal, or tax advice. Rates, terms, and product details referenced in conversation are subject to change and are governed by your account agreements and our current published disclosures.

Account transactions through Ken require identity verification. Never share your full account number, Social Security number, or online banking password in an unverified conversation; Ken will only request credentials through secure authentication prompts. If Ken is unavailable or unable to assist, contact us at 253-964-3113 or visit any branch. Conversations may be recorded and reviewed for quality, security, and training purposes.

Federally insured by NCUA. Equal Housing Lender.