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America's Christian CU
America's Christian Credit Union
Online Banking

E-Statements | Bill Pay | ACCU Banking App

Your personal branch – open 24/7 – whether at home, on the go, or as far as the east is from the west. Best of all, it's filled with helpful tools to manage your finances and 100% free1.
24/7/365 Banking Access

When you become an ACCU member and open your first account; you gain access to a whole suite of FREE digital banking tools. Most services are available both online and via our Mobile Banking App so you can interact with your accounts anytime you’re ready.

As an additional perk, when you sign up for our digital banking service and enroll in E-Statements your paper statement fees are waived. This makes nearly all deposit accounts free2.  Not only can these tools help you become a good steward of your finances, when you enroll in Online Banking/E-Statements, you also help in being a good steward of the environment.

Online Banking Login




Forgot Password

Download the ACCU Banking App

 

Loaded with Features

Easily make transfers and payments

  • Transfer funds between your ACCU accounts.
  • Set up and edit recurring transfers and payments.
  • Move money between your ACCU account(s) and accounts you have at other financial institutions.
  • Make loan payments from another financial institution
  • Easily stay connected to your accounts with alerts. Set up alerts that arrive via text, email, or phone call if a balance drops below or exceeds a specific amount; when a specific check clears; or when an account reaches maturity.

Open new accounts and loans

Quickly and easily set up new accounts, or apply for a loan, from the comfort of your home or smartphone.

 

Get Started Today

Enjoy the benefits, security, and accessibility that comes with ACCU’s suite of digital banking products.

 

Go Paperless with E-Statements

Receive electronic versions of your ACCU account and credit card statements through Online Banking. You’ll get your statement sooner and more securely — plus, no waiting for the mail to arrive, or worrying about lost, stolen, or misplaced statements — since they are safely archived within Online Banking.

With E-Statements, you can view, download, and print:

  • Your most recent statement or past statements
  • Tax forms, such as Form 1099
  • Notifications you would ordinarily receive in the mail
  • Cleared checks

Making payments has never been easier

Save time and money by paying all your bills from one convenient location. Easily pay your bills with bill pay from America’s Christian Credit Union. It’s available online and through our mobile banking app. Here are a few key benefits:

  • Free— ACCU checking account holders automatically qualify for this free service.
  • Easy to use—You can quickly make mobile or online payments.
  • Saves money—Postage and checks can run upwards of $50 per year.
  • Saves time—Take fewer trips to the post office. Set up recurring electronic payments and save even more time.
  • Secure—Paying your bills online is safer than sending payments and personal information in the mail.

A Complete Branch – Pocket Sized

Our ACCU Mobile Banking App available for Apple iOS and Android equipped devices with cellular to enable data or WiFi access.

From the palm of your hand, you can easily conduct transfers, make payments, receive account alerts, and apply for a loan – anytime and anywhere.

If you need cash or need to stop by a branch, we have over 5,600 shared branches and 30,000 surcharge-free ATMs ready to serve you nationwide.

 

Get Started Today

Enjoy the benefits, security, and accessibility that comes with ACCU’s suite of digital banking products.

 

Deposit checks with a tap and a snap (mobile only)

Make deposits anytime, anywhere, simply by taking a photo with your smartphone or tablet. Using your compatible Apple iOS or Android device, you can deposit checks remotely—wherever you are, whenever you want.

  • Deposit checks from practically anywhere.
  • The remote deposit is credited to your account.
  • Deposit transmissions are protected through login credentials, layered security, data encryption, and other controls.
  • A daily limit is automatically given to all members, which can be increased if qualified.

 

ACH & Automatic Payments

ACCU offers free automatic loan payments to help you keep your finances on track and ensure your payments are always on time. Available for both personal and organizational members, setting up an ACH automatic payment, or transferring to-and-from your ACCU accounts is easy. They can be initiated online, in your ACCU mobile banking app, or requested from one of our friendly member representatives.

Key Benefits:

  • Set up recurring payments for ACCU loan or credit card balance
  • Payments/transfers are can be applied automatically to any checking or savings account
  • Protect your credit rating by never missing a payment — and avoid late fees
  • Automatically collect payments (i.e. tuition, donations, offerings) from any congregate, customer, or student without any
  • merchant or transaction fees
  • Apply multi-layer security controls for added peace of mind

ACH Transactions & Cut-off Times

We strive to serve all of our members requests as expeditiously as possible. If automatic payments have not been pre-scheduled, are new transactions, or need additional member support to get initiated, please note our cut off times. Any ACH request after the cut-off time will be processed on the following business day.

Cut-off Time
ACH Payments (Single or Batch) 2:30PM PST
ACH Payroll 2:30PM PST
ACH Collections 2:30PM PST
ACH Pass Thru 2:30PM PST
External Transfers 2:30PM PST

Your Cards – Digital Wallet Ready

Paying in stores or within apps has never been easier. Gone are the days of searching for your wallet. The wasted moments finding the right card. Now payments happen with a bio-metric read. ACCU’s cards are enabled to be added easily to Apple Pay®, Google Pay®, Samsung Pay® , and Microsoft Edge®

  • More secure payments – Every time you hand over your credit or debit card to pay, your card number and identity are visible. With digital wallets, instead of using your actual credit and debit card numbers when you add your card, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in your smart device(s).
  • Keep your purchases private –  Wallet services don’t save your transaction history, or the details of your transactions so they can’t be tied back to you. Your name, card number, or other personal financial information is never exposed in contrast to standard physical card transactions

Frequently Asked Questions

I’m enrolled for Online Banking. Can I use my Online Banking login credentials for Mobile Banking?

Yes! Please use your same login credentials for Mobile Banking

How do I register for Mobile Banking?

If you have signed up for Online Banking, you are already signed up. Simply login using your Online Banking username/password.

Is it secure?

Yes, the Mobile Banking service utilizes best security practices such as HTTPS, 128-bit SSL encryption and site time-out when the session expires.

How do I change my password?

Sign on to your account (on your desktop or mobile device), Click “Settings” and “Security Preferences” and “Change Password.”

Forgotten Login ID/Password FAQs

I have forgotten my password and need to access my accounts. What do I do?

If you have forgotten your password, but have not been locked out, follow these steps:

  1. Enter the login ID
  2. Select the checkbox labeled “Forgot Password?”.
  3. Click Login
  4. Receiving a Temporary Access Code: You will be directed to a page displaying the secure contact information we have on file for your account. Select one contact from the list that you can immediately access and our system will deliver you a temporary secure access code within minutes. NOTE: If all of the contact information we have on file is inaccurate or out-of-date, you cannot proceed any further. Please contact us to provide updated information
    1. Phone Delivery: If you select phone delivery of your temporary code, just answer the phone normally when the call arrives. You will be prompted to make a selection to hear your code, and the system will give you the option to repeat the code, if necessary. Our system will not leave a code on voice mail, so if you miss the call, just repeat the process.
    2. SMS (Text) Delivery: If you select the text message delivery of your temporary code, you will receive a very simple message containing the requested code. Standard text message fees apply.
      Email Delivery: If you select an email account, you will receive a very simple email containing only the requested code. If you do not receive this email, please check your “Junk Mail” box. You can configure your junk mail settings to allow future emails from our address.
  5. Enter, or cut and paste, the temporary code you receive on the following screen. NOTE: Do not navigate away from the screen. If you need to access a web mail account to retrieve your code, please open a new browser window or browser tab.
  6. Establishing your Preferred Password: Once you have successfully entered your temporary code, you will be directed to create and confirm your new password that will be used in combination with your login ID on future logins.

I have forgotten my login ID. What do I do?

If you forget your login ID, please contact us. We will be required to securely verify your identity before providing you your login ID.

Is the code I received by phone, text message, or email my new password?

No, it is only a temporary access code. Never enter a secure access code on the login page as a password or as an existing password when instructed to change your password or establish a new password.

The system has warned me that one more unsuccessful login attempt will lock my account. What are my options?

If you have unsuccessfully tried to login and have been warned that one more unsuccessful entry will lock your account, you may choose the Forgotten Password process. That process will enable you to reset your password to something you can remember without the risk of locking your account. If you choose to try to login one more time and fail, you will be required to contact us to unlock your account.

I have been locked out of the system due to entering the wrong User ID or password too many times. How do I unlock my account?

If you have locked your account due to several unsuccessful login attempts, for your security you are required to contact us to unlock your account.

Can I change my login ID and/or password?

Once you have successfully logged into the system, you can voluntarily change your login ID and/or password through the preferences.

Registering Your Computer FAQs

I have successfully logged in, but the system is now asking me to register my computer. What is the registration process?

To register a computer that you are using to access Online Banking for the first time:

  1. Enter your login ID and password.
  2. Click Login.
  3. Registering your Computer: You are now required to register your computer. You will be directed to a page displaying the secure contact information we have on file for your account. Select one contact from the list that you can immediately access and our system will deliver you a temporary secure access code within minutes. NOTE: If all of the contact information we have on file is inaccurate or out-of-date, you cannot proceed any further. Please contact us to provide updated information.
    1. Phone Delivery: If you select phone delivery of your temporary code, just answer the phone normally when the call arrives. You will be prompted to make a selection to hear your code, and the system will give you the option to repeat the code, if necessary. Our system will not leave a code on voice mail, so if you miss the call, just repeat the process.
    2. SMS (Text) Delivery: If you select the text message delivery of your temporary code, you will receive a very simple message containing the requested code. Standard text message fees apply.
    3. Email Delivery: If you select an email account, you will receive a very simple email containing only the requested code. If you do not receive this email, please check your “Junk Mail” box.
  4. Enter, or cut and paste, the temporary code you receive on the following screen. NOTE: Do not navigate away from the screen. If you need to access a web mail account to retrieve your code, please open a new browser window or browser tab.
  5. Activating your Computer Depending on your account status, you may have the ability to choose whether or not you want to 1) activate your computer to avoid this registration process in the future or 2) take one-time access to your accounts. If you are on a public computer, you should always choose one-time access so the system does not register the public computer.
  6. You will then be directed to the Account Overview page.

Why am I being required to register each computer/device I use to access Online/Mobile Banking?

In today’s online environment, login ID/password access to your financial information is no longer considered sufficient to securely verify your identity. Therefore, in addition to your login ID and password, our online verification requires us to deliver you a one-time piece of required information via something only you possess (for example, your email account or your telephone). Once you receive the additional piece of information (a secure access code) and enter it into our system, we will remember your computer and browser and mark your browser with a cookie and/or other browser-specific object.

Registering your computer adds a strong layer of security to your online accounts. This means that no other unregistered computer in the world has access to your online information, even if your login ID and password were accidentally or unintentionally compromised. Once we register your computer and browser, you will only be required to enter your login ID and password on future logins via the registered computer browser.

Mobile Deposit FAQs

What is Mobile Deposit?

Mobile Deposit is a service that allows our members to scan or photograph checks and transmit the images to America’s Christian CU for posting and clearing. This service eliminates a trip to the branch or ATM to make your deposit, saving you time.

Is Mobile Deposit safe/secure?

Mobile Deposit uses the same level of security and encryption standards as Online Banking, ensuring that member deposits and personal information are completely safe.

Am I eligible to use Mobile Deposit?

You must be a member with an account in good standing for 90 days.

Is there a cost to use Mobile Deposit?

No, Mobile Deposit is a free service offered to you.

How do I access Mobile Deposit?

Download app from the App Store (iPhone) or Market App (Android). Search for America’s Christian Credit Union.

Is Mobile Deposit right for me?

Everyone who receives checks can benefit from Mobile Deposit. With the ability to make deposits from anywhere at any time, it’s faster, safer, and more convenient than making a trip to a branch or ATM.

How can I enroll into Mobile Deposit?

To enroll into Mobile Deposit, you must first be a member of America’s Christian CU. If you are a member, you can enroll by downloading the Mobile Banking app from the App Store (iPhone) or Market App (Android). Search for America’s Christian Credit Union. The first time you login you will be prompted to enroll. Please allow 2 business days for your enrollment to be reviewed and approved.

Do I need to include a deposit slip with my check?

No, a deposit slip is not required.

How do I verify that a check has been accepted?

To check the status of a deposit, log into the application and click on the ‘Review’ button. Deposit history for all statuses will be displayed “pending,” “rejected,” or “accepted.”

Can I deposit more than one check at a time?

No, only one check can be deposited at a time.

Can I deposit more than one check per day?

Yes, you can.

If I discover I’ve entered an incorrect amount for a deposited check, should I re-deposit the check?

No. The check can only be deposited into Mobile Deposit once. If you’ve entered the check amount incorrectly, it will most likely be in a pending status awaiting further review. You can verify this by going to ‘Review’ and viewing the status of the deposit. In many cases a representative will review the deposit and correct the amount, allowing the check to process. However, if you do not see that the check is in a pending status, please contact the credit union at 800.343.6328.

Can I use Mobile Deposit to deposit funds to accounts other than America’s Christian CU checking or savings accounts?

No. The eligible deposit accounts will appear in the Accounts list.

How quickly will the deposit be credited to my account once the deposit is accepted?

Checks scanned and received by 3 p.m. (PT) Monday – Friday will be posted to your account on the same business day, if there are no issues with your check or it doesn’t need to be reviewed for various reasons. Items received after 3 p.m. (PT) on any business day will be posted the next business day. This excludes weekends and holidays.

Do I need to endorse a check submitted with Mobile Deposit?

Yes. For a check to be accepted, an endorsement is required, just as you would if depositing at the ATM or in a branch. Please include “deposited online” or “Mobile Deposit” on the back of the check.

What types of checks does Mobile Deposit accept?

Acceptable check types include: personal checks, business checks, money orders, traveler’s checks, and cashier’s or certified checks drawn from domestic U.S. funds. Note that Government checks are often problematic and are not recommended for Mobile Deposit. We suggest you bring those to the branch to ensure timely availability of your funds.

What types of checks does Mobile Deposit NOT accept?

Unacceptable check types include:

  • America’s Christian CU Check Drawn on Personal Account: The deposit of a personal check that is drawn on the same account holder’s personal checking at America’s Christian CU is PROHIBITED. Deposits of this nature will result in the immediate revocation of this service and may subject you to collection efforts.
  • Foreign Checks / Foreign Money Orders: A check or money order that is issued by a financial institution in another country (Canada, France, etc.) may ONLY be deposited by mail to America’s Christian CU, PO Box 5100, Glendora, CA 91740
  • Altered Checks: An altered check is any check that contains evidence of a change (correction fluid, crossed out amounts, etc.) to information on the face of the check. Members with altered checks MUST get a replacement check from the maker before America’s Christian CU will accept the deposit.
  • Stale Dated Checks: Certain checks contain instructions such as: “Void after 90 days after issue date” or “must be cashed within 6 months of issue date.”
  • Incomplete Items: An incomplete item is any item that does not contain signatures of the maker, endorsement signatures, or is missing any of the information required.
  • Non-Negotiable Items: The deposit of any item stamped with a “non-negotiable” watermark is PROHIBITED. Deposits of this nature will result in the immediate revocation of this service and may subject you to collection efforts
  • Damaged Checks
  • Non-legible Checks

What should I do with my check after using Mobile Deposit?

It is suggested that you retain your check until it has cleared your account. Once cleared, it is a best practice to shred the check. DO NOT mail the check to the credit union.

How long can I view my transaction history?

Transactions can be viewed for 6 months within the Mobile Deposit Online & Mobile Banking application itself, while all approved checks will appear as transactions within home banking beyond that.

Fraud FAQs

What do your fraud prevention steps look like?

ACCU takes fraud prevention very seriously and takes a multi-layer approach to keeping our members information safe. This includes asking security questions when members make online or mobile transfers. These questions are based on your credit profile and are intended to verify your identity. We also highly encourage you to set up multi-factor authentication with your online and mobile banking services. If the transactions appear to be outside of your normal pattern, ACCU may call you to verify transactional information on your account. We will not ask you for personal information. For this reason, it’s important to keep your contact information up to date.

Do you offer fraud monitoring and alerts?

Yes, you can establish text, phone or email alerts from within online banking. This feature can be configured if a balance drops below or exceeds a specific amount; when a specific check clears; or when an account reaches maturity. Additionally, you can set up alerts for your ACCU VISA® debit or credit cards. That way, if we notice suspicious activity, we can send you an SMS text message asking you to confirm the transaction.

1 – Online Banking, E-Statements, Online Bill Pay, Mobile Banking are free services provided by America’s Christian Credit Union. Message and data rates may still apply.

2 – Paper statements waived with active enrollment in E-statements. Paper Statement fees range from $2.00 – $4.00 per statement cycle based on account type. Most deposit accounts do not incur a charge to maintain the account as long as it is in good standing. Exceptions do apply. Specific accounts levy an account maintenance fee. Please reference truth-in-savings disclosures and fee schedules to verify applicability of maintenance or penalty fees to your specific account type(s).