With the holiday season approaching, don't fall for fraud! Remember that we will never call, text, or email you for personal information.
Earn a $90 cash bonus for each new member you bring to America’s CU.
Looking for answers? Try here first!
But if you can't find what you need, please contact us.
Refer to the Mobile Deposit Agreement for complete details. Your use of Mobile Banking constitutes acceptance of the Disclosure and Agreement.
No. America's Credit Union offers our mobile app to members free of charge. 1
No sign-up is necessary since every member is given Online Banking access when you open an account. Download the Mobile App "AmericasCU" from the app store.
You can view balances and transaction history, transfer funds between your share accounts and find nearby ATMs. With the app, you can view your account balances, transaction history and check images; transfer funds between your share accounts; pay bills; locate nearby surcharge free ATMs; and access personal financial management tools. With bank-by-text you can view your balances; transfer funds between your share accounts; view history; and lock/unlock your account. Commands include HELP, STOP, BAL, TRAN, HIST, LOCK, UNLOCK and HOURS.
Download apps available through Apple and Google Play app store.
Sure! Here is the Mobile Deposit Agreement for your records.
Yes. America's Credit Union always uses state-of-the-art security measures to protect your data, no matter how you choose to access your accounts. Any personal information that a user may share with America's Credit Union while using Mobile Banking is governed by our Privacy Policy.
Yes. Learn about becoming a member.
Yes. If you don't endorse the back of the check, your Mobile Deposit may be rejected. Your endorsement should include; “Mobile deposit at ACU" or "Mobile deposit at America's Credit Union", your signature(s), the account number to which you are making the deposit, and the date.
You should only use Mobile Deposit for domestic checks not drawn on your own account. Checks must be made payable to an owner of the share and must have an endorsement on the back. Checks may be rejected if they are incomplete, post-dated or stale-dated, made payable to a third party, or stamped with a “non-negotiable” watermark. Be sure your checks have no evidence of alteration or contain a restrictive endorsement. Savings Bonds are not eligible for Mobile Deposit.
The time may vary, but some deposits may be automatically processed within a couple hours. Other mobile deposits will be accepted into a review queue at America's Credit Union. When your deposit is accepted, it is important that your contact information (including your e-mail address) on file is current so that if there is any delay,
Sure! Here is the Mobile Deposit Agreement for your records.
You can contact us about any questions regarding your mobile deposit.
Although most check images clear the account on which the check is drawn without any problem, we ask that you retain the check in a safe place for sixty (60) days after the deposit has posted. Be sure to mark it as an item you have already deposited so that it is not inadvertently re-deposited by you or someone else in your household.
When the deposit is reviewed and released from the queue you will see the transaction on your account in home banking. Rarely, a deposit will be rejected after review. If your deposit is rejected from the review queue, you will receive an e-mail telling you the reason your deposit was rejected.
No. A second attempt will, in most cases, add to the delay, could result in a fee in accordance with our Fee Schedule, and may result in a revocation of your Mobile Deposit access.
There is no single reason that a deposit will go to the review queue. Conditions include fields or characters on a check image that are difficult to read, a deposit that is outside your normal and historical pattern, a missing or illegible endorsement, or a check image that is a suspected duplicate of a previously deposited check.
All deposits in the review queue are reviewed and posted as soon as possible provided that the deposit was made on a business day (Mon-Fri, except observed holidays). The exact timing depends on the volume of deposits in the queue. All deposits in the review queue made by 3:00 p.m. CT will be reviewed by the end of the business day on which they were submitted.
For security reasons, your account will automatically unlock after 24 hours of no attempted sign-ins. Additional attempts to sign in will restart the 24-hour lock-out period.
Your credit card transactions will not display in the Activity or Transaction sections at this time. To view your Visa Credit Card transactions, you may navigate to the Accounts card and select the Credit Card. From there, you can select Manage cards to be directed to the full Visa Credit Card management site.
The Mobile App is available in the App store or Google Play.
Unless your username and password have been compromised, your account and account information are still secure. If you feel your sign in credentials have been compromised, you can reset your username and password through Online Banking or the Mobile App at any time. Contact the Credit Union if you would like to de-authenticate your device or to disable all Mobile App access for your account. You can also deactivate devices from the Security settings when signed in.
To support the security measures we put in place to keep your data safe, we require the use of a modern browser. As new versions of browsers are released, our Online Banking platform will deprecate support for older versions. Below are the details for each supported browser.
Authy is a free app for your mobile device or desktop which generates secure tokens for 2-Step Verification.
While the 2-Step Verification code works the same for both the web browser and Mobile App, there are small differences in the way your access will be authenticated with subsequent sign-ins. With the web browser, you may choose to save a trusted device by checking the box next to "Don't ask for codes again on this computer" which bypasses the 2-Step Verification. The Mobile App will let you configure an app passcode and you may also choose to use the device’s biometric feature, such as a fingerprint, if available. If you try to sign in using an unrecognized device or browser, you will be required to go through the 2-Step Verification to access your account.
2-Step Verification works similarly to your existing sign-in procedure but uses an additional step to verify that you are the authorized account user. When you sign in from a device or browser that isn’t recognized, you’ll be asked for a 2-Step Verification code that will be sent to you via a method that you choose during registration. The methods to receiving the code are through Authy, a free app on your device; an SMS text message to your mobile phone; or through a voice call to your landline or mobile phone.
2-Step Verification (also known as two-factor authentication, or 2FA) is a stronger authentication to access your account. 2-Step Verification will change the way you access your accounts by using an additional step to verify that you are the authorized account user when you sign in from a new or unrecognized device or browser.
For support, call us at 214.742.6551 or 888.742.6551 or you can live chat with us during business hours. Monday through Friday from 8:00 a.m. to 6:00 p.m. or Saturday from 9:00 a.m. to Noon. If you are signed in to Online Banking (or the Mobile App) and need assistance, you can always send us a secure message. A response will be sent by the end of the following business day.
Yes, you have access to 18 months' history.
Stop by or call our Member Contact Center at 214.742.6551 or 888.742.6551 during normal business hours.
Yes. You can easily start a conversation to do an inquiry on your account or send documents through the secure messaging feature.
Choose any share or loan and then select Documents.
Select your checking account then Reorder checks.
Select the checking account that the check cleared through. Then choose the transaction to view details and the check image.
Dashboard cards can be added, removed, resized, and reorganized based on your personal preference. Select Organize dashboard at the very bottom of the Dashboard page.
Select any share or loan from the Accounts section, then choose Alert preferences.
Select Forgot? link available within the sign-in screen. You will be required to verify personal information and complete it.
Select Forgot? link available within the sign-in screen. You will be required to verify personal information and complete it.
Select the Login button located on the homepage and follow the steps.
Online Banking users are required to be members of the credit union. A joint owner who is not a member and wishes to use Online Banking must become a member first.
To apply a payment to your Visa Credit Card from your ACU account, you can complete an immediate transfer by selecting Make a transfer, then select your Visa Credit Card as the account to transfer to.
If you would prefer to pay your Visa Credit Card from another Financial Institution or schedule the payment for a future date, you may navigate to Accounts and select the Credit Card. From there, you can select Manage cards to be directed to the full Visa Credit Card management site.
2-Step Verification codes are sent to the phone number entered during Online Banking enrollment. If you need to access your Online Banking account without your phone or you are in a low coverage area, you can always choose the Authy app as your delivery method, instead of text or phone call. Authy can be downloaded across multiple devices, including your desktop computer. When you install Authy, be sure to sign in with the same email address and phone number combination used during 2-Step Verification enrollment.
While the 2-Step Verification code works the same for both the web browser and Mobile App, there are small differences in the way your access will be authenticated with subsequent sign ins. With the web browser, you may choose to save a trusted device by checking the box next to "Don't ask for codes again on this computer" which bypasses the 2-Step Verification. The Mobile App will let you configure an app passcode and you may also choose to use the device’s biometric feature, such as a fingerprint, if available. If you try to sign in using an unrecognized device or browser, you will be required to go through the 2-Step Verification to access your account.
Yes, If your card is ever lost, stolen or fraudulently used, you're protected by Visa's Zero Liability Policy.
Your contactless card needs to be within 1 to 2 inches of the Contactless Symbol inorder to initiate a payment.
Both the card and the terminal will have the contactless symbol noted.
Yes. Insert the EMV card, or swipe the magnetic stripe like you would have done with your previous card. Online purchases work the same as with your previous card.
Contactless payment availability may vary depending on terminal enablement, merchant preferences, transaction location or purchase amount. You may also be asked for your signature or PIN in some cases.
No, there are no additional fees to use your new debit card.
If you were reissued the same card number, your PIN will remain the same. However, your card may have a new expiration date, so update your information with billers that charge your card regularly. If your card has a new number, you must select a new PIN. Please see the activation instructions on the letter to the card that was mailed on.
Yes, you can still use your card to get cash, check your balance and more. Be sure to insert the chip end of your card into the ATM with the chip facing up. Your card will remain in the ATM until your transaction is complete.
Yes, if a merchant is not yet chip-activated, simply swipe your card and enter your PIN. Or select CREDIT and sign for your purchase if necessary.
You can use your card at millions of places that accept Visa Cards, at home and around the world.
Once you activate your new card, please destroy your existing card for security reasons.
A credit score is a three-digit number calculated to indicate your creditworthiness. The higher
the score, the more creditworthy you are to a lender. A credit score is calculated from the
information in your credit report. It considers your on-time payments, the length of your
payment history, your mix of different types of credit accounts, and other such factors. It is
essential to know that your score does not take your age, income, employment, marital status,
or bank account balances into account.
You can learn more about credit scores and scoring models from the Consumer Financial Protection Bureau website here.
To place a credit freeze on your credit profile, you must contact each of the three major credit
bureaus:
Credit reports, also known as credit files, comprise the credit-related data a credit
reporting company has gathered about consumers from different sources. Credit reports include records of mortgage payments, credit card balances, credit card payments, auto loan payments, and credit inquiries. It may also include accounts that have gone into collections, public records, and other information from government sources.
Credit reports include the following about your debt accounts.
Credit reports may also include:
Under Federal law, you can receive one free copy of your credit report from each
credit reporting agency every 12 months. You can obtain a free copy of your credit reports
at here or by calling 1-877-322-8228.
For more information and details, click here.
One of the differentiating factors of the VantageScore® models is the ability to calculate scores
for more consumers, which includes those who are new to the credit market, infrequent credit
users, or those who have two or fewer credit accounts.
The VantageScore® models are more likely to provide a score for consumers new
to credit and with less than six months of history. They also score those with activity up to two
years ago on at least one of the accounts in their file.
The credit reporting agencies do not remove accounts once they’ve been closed or paid off.
There is no law requiring credit reporting agencies to remove accounts that are in good
standing. At this time, however, the credit reporting agencies choose to remove inactive or
closed accounts ten years after closing. Additionally, while closed or paid-off
accounts are still on your credit reports, they are still considered in credit scoring.
Your credit score may go down if you close a credit card account. The reason your score drops
would be due to the loss of the credit limit of the closed card in your debt-to-credit limit ratio
measurements.
If you carry a balance on other credit cards, then your debt-to-limit ratio, calculated by dividing
your aggregate credit card debt by your aggregate credit limits on open credit cards, will likely
go up. This may cause your credit score to drop.
If you don’t carry a balance on other credit cards or the credit limit on the newly closed card
was modest enough, then the account closure may not result in a change in your debt-to-limit
ratio sufficient to result in a score reduction.
Not necessarily. The balance of an account does not affect the speed at which you will build or
re-build your credit scores. A credit card with a $5,000 balance ages just as quickly as a credit
card with a $0 balance. Further, even if you pay your balance in full each month, there’s no
guarantee that the account will show up on your credit reports with a $0 balance. Credit card
issuers report your statement balance to the credit reporting agencies. That means even if you
pay your balance in full any subsequent use of the card will result in a statement balance
greater than $0.
One of the most effective ways to build or rebuild your credit is by responsibly managing your
accounts. Maintaining low balances on credit cards and never missing a payment will lead to
better credit scores.
Paying off debts does not automatically boost your score. While your credit card and other loan
balances may be low because of a recent payment, due to the lenders’ reporting cycles, it may
take some time for the payments to be reflected in your credit score. Moreover, available credit
and balances are only one of several other factors that credit score models consider.
Improving your credit score can be achieved over time by regularly practicing these sound
financial management techniques:
Credit balance does not positively or negatively impact credit score.
Credit reports reflect your credit activity. The quantity of cards is less important than how you
manage your credit cards. It’s generally a good idea to have a limited number of credit cards so
that you can keep low balances, with a good payment history, over a long period.
Consumers are encouraged to shop for the best loan rates and conditions. Accordingly, the
VantageScore® model does not penalize multiple inquiries made within a short period. When
several inquiries are made within a shortened timeframe, it is assumed that the consumer is
shopping around for a rate and not opening multiple lines of credit.
The VantageScore® model uses a 14-day rolling window in which all credit inquiries within that
window are considered one inquiry regardless of the type of account. So, regardless of whether
the credit inquiry is made in response to a mortgage, auto, or bank credit card application, it will
be counted only once during that 14-day window.
The quantity of loans is not as important in credit scoring as the quality of how well those
accounts are managed. In other words, your score is more positively impacted by keeping loans
in good standing without missing payments.
Medical bills are usually not reported to the credit bureaus unless they have been unpaid for a
long time and have gone to collections. Collections accounts stay on the report for as long as 7
years even after you’ve paid them off. These accounts typically hurt scores, though some
scoring models do not include medical collections, especially those with small balances of less
than $100. VantageScore® 3.0 does not take paid collections accounts into account in its
model.
Source VantageScore
When you close a credit card account, you lose the value of that card’s credit limit in the credit
usage calculation. The credit limit is important when determining a consumer’s
balance to credit limit or the “credit usage” ratio. This ratio rewards consumers with low
credit card balances relative to their credit limits.
If you close credit cards, especially those with large credit limits, you will likely cause your credit
usage ratio to go up (if you carry balances). This can cause your score to go down considerably.
Additionally, if you close credit card accounts, the credit bureaus will eventually remove them
from your credit reports. Even though it can take years for an account to be removed from your
credit reports, once it is gone, you will get no credit for the account management you are responsible for.
A charge card is like, but not the same as, a credit card. As such, there are subtle differences in
how they’re used in credit scoring.
Typically, a charge card balance is due in full each month, while credit card balances can be
carried, or "revolved," from month to month. Charge cards do not have published credit limits,
whereas credit cards do.
Charge card accounts factor into credit scores but are not used by the VantageScore® scoring
model due to the lack of a credit limit used in calculating "balance to credit limit" measurements.
Since the single most important factor in credit score is payment history, using credit and paying
off your balances on time will have the greatest impact on your score. Carrying a balance monthly may incur interest charges, so if you can, pay off the cards in full and on time.
The best way to build a solid credit score is to properly manage your accounts. Best practices
include paying all your credit obligations on time every month, applying for credit only when
needed, and keeping balances on credit cards as low as you possibly can if you cannot pay
them in full each month.
There are several ways to improve your credit score. However, it’s much more important to
focus on improving what’s in your credit report rather than over your credit score. Here are some
quick tips to help:
No, a credit score is just one part of several factors lenders use in their lending criteria. Other
lending criteria considered may include:
You must contact the three major credit bureaus to unfreeze your credit profile. Each bureau
has a different process, but each will initially provide you with a PIN to unfreeze your profile
Any institution that lends money – credit unions, banks, credit card companies, financing
companies, mortgage lenders, and others – can use a credit score to help them assess whether
you meet their lending criteria. These institutions use your credit score and other relevant information you provide, such as income, work status, and down payment amount. In
general, higher scores allow access to more credit at competitive rates.
Insurance carriers can also use credit scores to help assess risk and to price accurately
homeowners and automobile insurance policies.
Your credit report and score are different. Your credit report is all the information that a credit
reporting agency has gathered about you. Credit reporting agencies calculate your credit score
by plugging the information in your credit report into their proprietary credit score formula.
Federal law gives you the right to ask for a copy of your credit report from each nationwide
credit reporting company every year for free. However, the law does not require credit reporting
companies to give your credit score for free.
Learn more here.
A credit freeze, or a security freeze, is a free way to restrict access to your credit
report. Adding a freeze means no one, not even you, can open a new credit account while the
freeze is in place. You can, however, temporarily remove this freeze at any time if you want to
apply for new credit.
It is important to note that a credit freeze does not affect your credit score. While the freeze is in
place, you will still be able to apply for a job, rent an apartment, purchase insurance, and
receive pre-screened offers.
Given this incredible volume of data provided by lenders to the agencies, there are times when
the information reported about your credit activities may be inaccurate.
If you find information you believe is incorrect on your credit report, contact the company
that issued the account or the credit reporting company that issued the report. You can dispute
any inaccuracies found on your TransUnion credit report by navigating to the bottom of the
SavvyMoney Credit Report and clicking “dispute.”
For more information, visit the following link.
Not sure about what’s in your credit report? Click over to “Credit Report” to review all your
accounts, payments, and more. You can also receive a free Credit Report from each of the
credit reporting companies – Equifax, Experian, and TransUnion once a year.