Personal Banking

Your Branch Is Always Open

Manage your accounts, deposit checks, pay bills, and send money from any device. ACU online and mobile banking gives you full access around the clock, every day of the year.

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Member using a digital wallet app on a smartphone
Digital Banking

Everything You Need, Right Where You Are

Seven tools built into every ACU membership. No extra fees, no separate sign-ups.

Mobile App

Check balances, review transactions, transfer funds, and manage every account from your iPhone or Android device. Free to download, free to use.

Download for Apple

Mobile Deposit

Photograph the front and back of a check and deposit it from anywhere. Funds are credited to your account within one to four business days. Daily limit of $5,000.

Online Bill Pay

Schedule one-time or recurring payments to any payee in the U.S. Set it once and stop writing checks. Available from the browser or the mobile app.

Enroll in Online Banking

Zelle

Send money to friends and family in minutes using just their email address or U.S. phone number. Money moves directly between accounts, no hold required.

Learn about Zelle

Card Controls

Block international transactions, set spending limits by merchant category, and get real-time fraud alerts, all from the ACU app.

Card On-Off Switch

Misplaced your card? Turn it off in one tap, then back on when it turns up. No phone call, no waiting, and no replacement card unless you want one.

eAlerts and eStatements

Get text or email alerts for low balances, direct deposits, and large transactions. Paperless statements are available instantly and stored securely for at least 90 days.

Mobile App

The App That Handles Your Finances While You Handle Life

The ACU mobile app is available free on iPhone and Android. Log in with your same online banking credentials and pick up right where you left off - on any device.

Download on the App Store
Get it on Google Play

Mobile Deposit

Deposit checks up to $5,000 per day without visiting a branch

Biometric Login

Face ID and fingerprint authentication for fast, secure access

Real-Time Alerts

Instant push notifications for every transaction and account event

Card Controls

Lock or unlock your card and set transaction rules in seconds

 Built for Members 

Banking That Works the Way You Work

Every feature included with your ACU membership. No monthly fees, no tiered access levels.

Available 24/7/365

Your accounts do not keep branch hours. Log in at 2 AM from anywhere in the world.

No Hidden Fees

Online banking, the mobile app, bill pay, and mobile deposit are all included in your membership at no additional cost.

NCUA-Protected and Secure

Your deposits are federally insured by the NCUA up to $250,000. Multi-factor authentication and 256-bit encryption protect every session.

One Login, All Accounts

Checking, savings, certificates, loans, and credit cards all accessible from a single sign-on. No juggling multiple portals.

Instant eStatements

Paperless statements arrive faster than mail and stay available for at least 90 days. Download any statement as a PDF for your records.

Quicken and QuickBooks Sync

Download your ACU transaction history directly into Quicken or QuickBooks with no monthly fee. Keep your finances organized and your records accurate.

Get Started

Online Banking in Three Steps

Already a member? You can enroll and download the app today. New members are set up the same day.

1

Become a Member

Open a free checking or savings account online in minutes. You need a valid ID and your Social Security number. No minimum balance required to join.

2

Enroll in Online Banking

Visit online.youracu.org/registration or ask at any branch. You will need your member number and email address. Enrollment takes less than five minutes.

3

Download the App

Search "ACU Mobile Banking" on the App Store or Google Play. Log in with your same online banking credentials. All your accounts are ready immediately.

★★★★★

“I moved overseas for work and was worried about managing my finances from abroad. The ACU app works just like being at a branch. Mobile deposit, bill pay, Zelle - I have not needed to set foot in a branch in two years. That peace of mind is worth everything.”

M
Marcus L.
DuPont Branch
Common Questions

Online and Mobile Banking FAQ

Answers to the questions members ask most about digital banking at ACU.

ACU online banking is free for all members. To enroll, visit online.youracu.org/registration or stop by any ACU branch. You will need your member number and a valid email address. Enrollment takes less than five minutes and gives you immediate access to your accounts, bill pay, and fund transfers.
The ACU mobile app lets you check balances, review transactions, transfer funds between accounts, deposit checks, pay bills, send money through Zelle, set account alerts, and turn your debit card off and on with the Card On-Off Switch. You can also view eStatements, manage loan payments, and track spending across all your accounts. The app is free on the Apple App Store and Google Play.
Yes. In the ACU mobile app, open your card and use the Card On-Off Switch to turn it off in one tap. New purchases are declined until you turn it back on, which takes the same tap once the card turns up. If the card is gone for good, contact us for a replacement.
Open the ACU app and select Mobile Deposit from the main menu. Choose the account you want to deposit into, enter the check amount, and photograph the front and back of the check. Before photographing, endorse the back of the check and write "For ACU Mobile Deposit Only" below your signature. You will receive an on-screen confirmation and an email confirmation once the deposit is submitted. A hold of 3 to 4 business days may apply.
Yes. The daily mobile deposit limit is $5,000. Keep the original check for 60 days after depositing it, then securely destroy it. For deposits above $5,000, visit any ACU branch. If you have questions about your account's mobile deposit eligibility, call us at 253-964-3113.
Log in to ACU online banking or the mobile app and navigate to eAlerts in your settings. You can configure alerts for low balance, direct deposit activity, transactions over a set dollar amount, login notifications, loan payment due dates, and overdraft events. Alerts are delivered by email or text message in real time at no charge.
Yes. ACU supports direct connection to Quicken and QuickBooks at no monthly fee. In your Quicken or QuickBooks software, search for "ACU - America's Credit Union" as the financial institution and sign in with your online banking username and password. You must be enrolled in ACU online banking and use a recent version of the software. Contact us at 253-964-3113 if you need help getting started.

Banking That Fits Around Your Life

Membership takes minutes to open. Once you join, the app and online banking are available the same day.

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Disclosures

America's Credit Union is a federally chartered credit union. Deposits are insured by the NCUA up to $250,000 per depositor. Mobile deposit is subject to a daily limit of $5,000 and a hold period of 3 to 4 business days. EasyVest is not NCUA-insured, is not a deposit, carries no credit union guarantee, and may lose value. EasyVest investment accounts are held by DriveWealth LLC, a SEC-registered broker-dealer and member FINRA/SIPC, through Access Softek Advisory Services LLC. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Quicken and QuickBooks are registered trademarks of their respective owners. ACU has no affiliation with Quicken or Intuit.