Online Services

Our online services allow you to manage all of your AACFCU accounts anytime, anywhere, on multiple devices. Our goal is to make managing your money easy, safe and convenient.

Online Banking

Our free Online Banking gives you the tools to manage all of your AACFCU accounts. You can check account balances, view transaction history, pay bills, make transfers and more, all on the same page!

Sign up today and start receiving the following: 

  • Up-to-the-minute balance and account information
  • Transfer funds between your checking, savings and loan accounts
  • Schedule one-time or automatic transfers and loan payments
  • Credit card balance information
  • Direct access to free Online Bill Pay
  • Free access to Money Management™
  • Download transaction history into your personal financial software
  • Free E-Statements and account alerts and notifications
  • Update your address
  • And more!

Enroll Today!

Man using a laptop to pay his credit card bill through online banking

Money Management - Launched March 7, 2018

On March 7th, as part of an Online Banking update, we disabled FinanceWorks and replaced it with a new and improved budgeting solution, called Money Management. Many of the existing FinanceWorks experiences will continue to be available in Money Management, but with a completely redesigned look and feel. 

Learn More

Smart Rewards Checking

Our Smart Rewards Checking account offers our valued members a powerful new way to save money! This account offers the best in security, savings and online services! Some of the extra benefits of this account are cell phone protection, identity theft aid and roadside assistance. With our Smart Rewards Checking, you can shop local and save local. 

How to Enroll

Online Bill Pay

With Online Bill Pay*, you get a safe, fast, easy and free way to pay your bills. Pay all your bills from home, work or anywhere you have internet access. You will avoid the hassle of stamps, envelopes and visiting multiple websites just to pay your bills each month. Plus, you’re not limited to business hours - Online Bill Pay is available 24 hours a day, 7 days a week and 365 days a year.

Enroll in Online Banking

*Bill Pay is not available on business accounts, doing business as accounts (DBA) or You Choose Debit.

  • Pay anyone, anytime, online with a few clicks of the mouse
  • Schedule next day electronic or check payments**
  • Set up recurring payments to be paid when you choose
  • Schedule payments up to a year in advance of the due date
  • View, edit and cancel pending payments
  • Receive bills electronically from leading merchants
  • Have instant access to bill payment history

**A small fee is charged for next day payments. See Fee Schedule.

eStatements, Alerts & Notifications


Replace printed statements with a free electronic version that can be viewed on a safe and secure website. Your etatements will arrive sooner than a paper statement and you can view and download them anywhere– while at home, work or on vacation. Login to Online Banking and select "eStatements" from the Additional Services tab to enroll. eStatements are also now accessibile in our Mobile Banking application.


  • Receive monthly email when your online statement is available for viewing
  • Reduces risk of having statements lost or stolen; which helps prevent identity theft
  • Statements are stored for up to 24 months online and are downloadable
  • Service is Free

Enroll Now

Account Alerts & Notifications

Sign up to receive customized text alerts or email notifications to keep you better informed about your account balances and activity. By creating notifications sent via email and/or text you'll know when a large deposit or withdrawal has been made, a loan payment is due, or if your account balance falls below a dollar amount threshold. Login to Online Banking and select "Alerts & Notifications" from the Additional Services tab to activate alerts.

The following alerts may be created:

  • Low or High Balance Alert
  • Balance Update
  • Large Deposit or Withdrawal
  • Personal Reminder

Activate Alerts

Not yet an Online Banking user?

To register for Online Banking, access our Enrollment Form and create your own unique username and password. You are required to provide your member number, SSN, Date of Birth, Address, and an Email Address in order to complete the registration process. If you do not have this information, or if you are in need of assistance, please contact us at 800-448-4096.

Enrolling a Business Account?

Please contact us at 800-448-4096 for assistance with your registration. We require different information to be input on the enrollment form, that we will need to provide to you.

Mobile Banking

From mobile apps and text messaging to our mobile browser, we have the access you are looking for on your smartphone.  Our Mobile Banking application gives you the ability to manage your money on the go with the same security as your Online Banking. We also support Apple Pay, Android Pay and Samsung Pay!

To get started, simply download our Free Mobile Banking App.

Download AACFCU Application in Apple's App Store      Download AACFCU Android Application in Google play store      Download AACFCU kindle fire Application in Amazon apps     

Mobile Deposit

Can't make it to one of our branches to deposit a check? With Mobile Deposit* you can take a picture of a check using our mobile banking app and deposit it in to your checking or money market account.

*Please review the Mobile Remote Deposit Services Agreement for terms.

Register for Access

Text Message Banking

Text messaging* makes it easy to access account balances and transactions right on your mobile phone. It is the fastest way to get your balances anytime, anywhere. Log in to Online Banking and select Alerts & Notifications from the Additional Services tab to get started.

Simply text BAL to 454545 and you will receive a text message with your available balance.

*Standard carrier rates and fees apply.


Just want your balance?

Our Quick Balance feature allows you to quickly access your account balance(s) without having to log in to the Mobile App. Once enabled your account balances are displayed on the Quick Balance page; which is revealed by swiping down on the app’s login screen. To use, you will first need to Opt-In on your individual device within the Settings section of the App (after log in).

Enable Quick Balance

Frequently Asked Questions:

More Questions? Just Ask

Or speak to a Member Service Representative at any of our branches.