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Online Services

Home Banking, Mobile Banking and Bill Pay

Home Banking

America's Free Online Home Banking provides convenient and secure access to your account 24 hours a day, 7 days a week. To begin using America's Free Home Banking, all you need is an Access-24 code to initiate this service; Click here to apply for FREE Access-24. If you do not have an America's Access-24 PIN, visit one of our branches, print off an application from our website or call America's Credit Union at 972-494-5328 or 800-543-2811. Once you have enrolled, you will have immediate access to your accounts and/or Bill Pay services. You must have an America's Checking Account in order to use Online Bill Pay.

With America's Free Home Banking you can:

  • View balances and history on all accounts/loans, including VISA®;
  • Transfer funds between your accounts
  • Cross-Account Transfers: Transfer funds to another America's Credit Union member's account ( must submit cross member transfer form - available under "applications")
  • Apply for loans.
  • Make loan payments
  • Set balance and transfer email alerts
  • View and/or print your cleared check images up to 90 days
  • Sign up/view your E-Statement
  • Frequently Asked Questions
  • Home Banking/EFT Disclosure

Mobile Banking

America's Free Mobile Banking provides convenient and secure access to your account 24 hours a day, 7 days a week. There is no sign up if you are already signed up for Home Banking. If not signed up for home banking, complete an Access-24 application. After signing up for Access-24, proceed to the ACU home banking page located at www.americascu.org. At that time you will need to enter your member number and Access-24 password. You will need to accept a disclosure and change your password to continue. Once you have enrolled in Home Banking, log in to https://www.americascu.org on your web-enabled cell phone. You will have immediate access to your accounts and/or Bill Pay services. You must have an America's Checking Account in order to use Online Bill Pay.

With America's Free Mobile Banking you can:

Mobile Deposit

Mobile Deposit gives you the freedom to deposit checks anytime and anywhere using your Mobile Banking App for iPhone, iPad and Android phone. Mobile deposits for personal savings and checking accounts are FREE. Mobile deposits for Business accounts are limited to 5 free mobile deposit checks per month; thereafter, will be charged $0.50 per item.

Requirements for Using Mobile Deposit

  •  A savings or checking account that has been open for at least 90 days and in good standing.
  •  Be enrolled in Access 24 (phone banking) and be an existing ACUOnline Banking user with an active status.
  • An iPhone, iPad or Android phone with internet access from either a WIFI source or 4G LTE network.
  • ACU’s iPhone or iPad app or Android phone or Android tablet app.
  • Mobile Deposit Disclosure
  • Mobile Deposit Reference Guide

Bill Pay

Bill Pay is quicker and easier than writing and mailing paper checks. Pay your bills in minutes! With Bill Pay you can:
 
  • Schedule payments in advance, both one-time and recurring payments
  • Run payment reports and create custom reports from bills up to 12 months
  • Set up E-Bill which will allow you to securely retrieve your bill from the payees' websites and the most accurate and timely information possible.
  • Arrange e-mail alerts for bill arrivals, due dates, upcoming payments, and when payments are made.
  • Make loan payments
  • Request a compact disc containing a year-end report of bills and payments for a nominal fee.
  • Bill Payment/EFT Disclosure

E-statements

America's Credit Union Free E-statement Service allows you to view your monthly statements online rather than receiving your statements by mail. E-statements contain all the information of your mailed statement.

  • Home banking users can apply for E-statements. If you do not have home banking,
    Click Here to obtain the application.
  • You will have access to your past 12 months of statements electronically. You can also continue to receive statements by mail.
  • Your statements will be ready for you to view faster than waiting to receive them through the mail. E-statements can be viewed around the 4th day of each month.
  • E-Statement Disclosure

If already enrolled in Access-24, then log on to:

Internet Home Banking

Note: America's Credit Union will NOT ask you to update your information through an e-mailed link. Should you receive an e-mail allegedly from America's Credit Union requesting such an update, please contact us immediately.

Additional Information:

Security Information
Difficulties Logging On?
Information for AOL Users
How America's Credit Union will protect you online
Checklist to help you stay safe online
Glossary of online security language

To view a menu guide for Access-24, click on the link below:

Access-24 Menu Guide