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Online Banking

Resources

If you’ve got any questions about A+FCU’s online banking services, we’ve got the answers you need. Check out our list of FAQs and resources to help you get the most out of A+ Online Banking.

How To Enroll

Get the most from your membership when you enroll in A+ Online Banking and download the A+ Mobile App using these easy steps:

  • Enroll here or by tapping Enroll from the A+ Mobile App
  • Fill out the form using the Primary account holder’s information
  • Notate the Login ID and follow the prompts to finish the enrollment process
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Customize Your A+ Online Banking

Use these tips and tricks to personalize your A+ Online Banking account so you can manage your finances more efficiently from the comfort of your home, office, or on the go.

eAlerts

Looking for a way to keep track of your accounts? With eAlerts, or electronic alerts/notifications, you can stay up to date with your account and account activity.

You determine the type of alert you’ll receive when you set them up within A+ Online Banking or A+ Mobile App. These real-time notifications can be sent to one cell phone number and up to two email addresses.

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Why Use Them?

With various types of eAlerts, you’re able to track spending, account balances, and more. This helps keep your account in good standing and avoid unnecessary fees.

For example, if you have a Low Balance eAlert set up to send you a text message when your checking account drops below $50, you’ll be able to transfer funds quickly to help cover future expenses and avoid overdraft fees.

You can even set up an eAlert to remind you when a loan payment is due or if a share certificate is renewing.

Most importantly, depending on the type of eAlert, you could find out about strange activity immediately assisting in monitoring and identifying potential fraud. A Large Withdrawal or Large Debit Card Transaction eAlert can notify you instantly to give you time to determine if there’s suspicious activity.

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Choose The eAlerts You Want

With over 25 types of eAlerts, sign up for as many as you want! Customize your alert triggers based on your specifications and the types of products you have.

There are many eAlerts to choose from, including:

  • Daily Balance – set up to receive once a day at the time you specify for whichever share or shares you choose
  • Large Withdrawal – decide what threshold and share(s) you want to monitor and get notified when a withdrawal of that amount or greater is made
  • Direct Deposit – use this eAlert to track when a direct deposit is made to the specified share(s)
  • Low Balance – set up an eAlert to let you know when your share balance drops below a specified dollar amount
  • Loan Payment Due – get notified when you have an upcoming loan payment

Frequently Asked Questions

eAlerts are notifications sent to you either by email and/or text message to let you know about certain transactions or events happening on your account. Each eAlert can be sent to multiple email addresses or cell phone numbers within minutes of the actual transaction.

Getting eAlerts set up is simple; follow these steps to start receiving notifications on your account.

  • Log in to A+ Online Banking or the A+ Mobile App
  • From the Menu select Settings > eAlerts
  • Select Alert Type from the dropdown menu > Add Alert
  • If you have multiple shares you can select which ones you want to apply the eAlert to
  • Enter your email address and/or mobile phone
  • Complete all the remaining required fields > Add Alert
  • For text message eAlerts you’ll receive an Activation Code > Enter and Submit

Once you’ve set up an eAlert, you’ll begin receiving them. They’re processed and sent in real time. You won’t receive any eAlerts for transactions that occurred prior to when you set up the eAlert.

Click the edit button (pencil icon) next to the eAlert you would like to change. This will bring up a form that will allow you to edit all of the details for this specific eAlert. Click the Update Alert button once you’ve completed your changes.

If you update the phone number associated with the Mobile Phone field, you’ll have to enter an Activation Code. The Code will be sent to the phone number entered after submitting the update to the eAlert.

These eAlerts work at the share level and can be set to monitor either one individual share or all shares on the account.

Share Balance/Low Balance eAlert
Get notified when a transaction causes the selected share balance to fall below a pre-specified amount. You also choose how often you want to be notified (only the first time, each withdrawal, each transaction).

Low Available Balance eAlert
Get notified when a transaction causes the selected share’s available balance to fall below a pre-specified amount. You also choose how often you want to be notified (only the first time, each withdrawal, each transaction).

Daily Balance eAlert
Get notified of the appropriate balance(s) once daily at the time you specify.

Insufficient Funds eAlert (combines NSF, Plus Pay, & Overdraw Transfer)
This mimics a situation in which each of the NSF, Plus Pay, and Overdraw Transfer eAlerts have been created on the account. When this type is chosen, all three will be checked for and sent individually according to their descriptions above.

These eAlerts work at the share level and can be set to monitor either one individual share or all shares on the account.

A+ Online Banking Share Transaction eAlert
Get notified of any deposits, withdrawals, or any and all transactions conducted via A+ Online Banking.

Automatic Withdrawal eAlert
Get notified whenever an Automatic Withdrawal posts to the selected share(s).

Direct Deposit Received eAlert
Get notified of each Direct Deposit made to the selected share(s).

Draft Withdrawal eAlert
Get notified each time a draft withdrawal is completed on the share(s).

Large Debit Card or ATM Transaction eAlert
Get notified each time a transaction using that card (Credit/Debit Card, POS, or ATM), which equals or exceeds the pre-specified amount is completed.

Large Withdrawal eAlert
Get notified each time any withdrawal, which equals or exceeds the pre-specified amount, is completed on the share(s).

Share Transfer eAlert
Get notified each time a transfer transaction is completed on the share(s).

Specific Check # Cleared eAlert
A check number must be entered at the time of setup and you’ll be notified when it clears. This is a one-time eAlert and will be deleted from the active list once it’s sent.

These eAlerts work at the share level and can only be set to monitor one individual certificate.

Maturing Certificate eAlert
Select how many days in advance you want to be alerted to a certificate maturing and will receive notification accordingly. Can only be set to monitor one individual certificate.

These eAlerts work at the overall account level.

A+ Online Banking Access eAlert
Get notified any time your account is accessed via A+ Online Banking.

Mailing Address Change eAlert
Get notified any time a change is made to the Street, City, State, Zip Code, or Extra Address fields on your account.

Email Address Change eAlert
Get notified any time a change is made to either the Email Address or Alternate Email Address fields on your account.

Scheduled Transfer eAlert
Get notified each time a scheduled transfer completes successfully on your account.

Scheduled Transfer Failed eAlert
Get notified each time a scheduled transfer fails to complete on your account.

Loan or all loans on the account (will depend on the type of eAlert).

Interest Rate Change eAlert
Get notified whenever the interest rate is changed on the selected loan(s). Can be set to monitor either one individual loan or all loans on the account.

Loan Payment Due eAlert
Select how many days in advance you want to be alerted to an upcoming loan payment due date and receive notification accordingly. Can only be set to monitor one individual loan.

Loan Payment Made eAlert
Receive an eAlert each time a payment is made on the loan(s). Can be set to monitor either one individual loan or all loans on the account.

Loan Payment Change eAlert
Receive an eAlert whenever the payment amount on the loan is changed. Can be set to monitor either one individual loan or all loans on the account.

Loan Past Due eAlert
Receive an eAlert if your loan’s due date passes without a payment being made. You may receive this eAlert again if a payment is not made in a timely manner. Can only be set to monitor one individual loan.

There’s no limit to the number of eAlerts you can sign up for. You can sign up for multiple types of eAlerts as well as sign up multiple times for each type of eAlert.

For example, you can set up a Share Balance/Low Balance eAlert that notifies you any time your checking account balance drops below $200. You can also sign up for another Share Balance/Low Balance eAlert and have a message sent to your phone any time your account balance drops below $50.

Please note that not all eAlert types are available to everyone. The types that are available will depend on the types of products you have. For example, if you have no loans then the Loan Payment Due eAlert will not be offered to you.

Additionally, the process that triggers some eAlerts will not always work correctly for everyone. If there are any that will not be sent properly 100% of the time then it will be disabled.

Click the Delete button next to the eAlert you’d like to stop receiving. This will remove this eAlert from your account. To stop receiving all eAlerts you can simply click on Delete ALL.

On most eAlert setup screens there are two fields called Send eAlerts From and Send eAlerts Until. Enter the time range you would like your eAlerts to be sent.

If an eAlert is triggered outside of your chosen time range, your eAlert will be sent the following day.

The exception to this is the Daily Balance eAlert. For this eAlert type you need to choose a Notify Me At time to be notified of your balance(s) once a day during normal business hours. If you’d like to be notified of your balances multiple times a day, you can set up multiple Daily Balance eAlerts.

If you would like to receive all of your eAlerts at a specific time every day, simply set Send eAlerts From and Send eAlerts Until to the same time, making sure to choose a time during normal business hours.

Yes. All eAlerts sent for the last 90 days are kept. You can view them by using the Alert History section at the top of the eAlerts screen.

There are three different detail levels:

  • Specific – Full Detail
  • Moderate – Some Detail
  • Generic – No Detail

Due to message length, you may receive an abbreviated version of a Moderate or Specific detail level eAlert when it is being sent to a mobile phone.

Let’s say you asked to be notified when a large withdrawal over $100 was made on your account:

Generic – No Detail
An eAlert has been triggered on your account. Please log in to your account online to view more detail.

Moderate – Some Detail
A Large Withdrawal eAlert has been triggered on your account. Please log in to your account online to view more detail.

Specific – Full Detail
A Large Withdrawal eAlert has been triggered on your account. You asked to be notified when a large withdrawal over $100 was made on your account:
Share 01 – Withdrawal Amount: 750.00, Withdrawal Time: 10:31
Post Date: 04/13/2022, Effective Date: 04/13/2022
New Balance: 980.00, New Available Balance: 975.00

This eAlert holds your default settings. When creating a new eAlert, your information is automatically entered. These default settings include Email Addresses, Mobile Phone, Notification Times, and Nickname.

Once you define your Default eAlert Settings, any future eAlerts you add will have the default values you specify pre-filled where appropriate. You can also overwrite these defaults on any eAlert during the setup process.

You can change the Default eAlert settings at any time by clicking the pencil icon to edit the eAlert or by selecting “Use these as default settings for new alerts” before setting up any new eAlerts or updates. Any changes made to the Default eAlert will not be automatically applied to existing eAlerts.

If you update the phone number associated with the Mobile Phone field, you’ll have to enter an Activation Code. The Code will be sent to the phone number entered after submitting the update to the eAlert.

An Account Nickname is optional and it’s a way to identify an account in the eAlerts you receive. If you have the same eAlerts set up on multiple accounts, an account nickname will allow you to know which one triggered an eAlert without logging in to A+ Online Banking immediately.

Important: We will not send any identifying information via email. You may NOT include your account number or user name in the account nickname.

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Stay Safe With A+ Online Banking

Banking on the go from your phone or computer has made checking your accounts easier than ever. Keep your information safe by following these tips.

Online & Mobile Banking Enhancements

Increase the security of your A+FCU debit cards with our free online tool, Card Management. Take advantage of these features to better protect your card:

  • Easily enable or disable your card and reactivate when you’re ready
  • Report a card as lost, stolen, or used fraudulently
  • Set card controls and alerts for transaction limits, transaction types, and merchant types
  • Easily set up or change your PIN

To enroll, log in to A+ Online Banking or the A+ Mobile App, select Card Management from the menu > select your card(s) > Card Controls > follow the prompts > Enroll Cards. Once enrolled, visit Card Management to set up alerts, manage your debit card, and more.

Find Out More

Zelle® is now available to eligible A+FCU members in the A+ Mobile App. Zelle® is a convenient way to send and receive money with friends, family, and others you trust, even if they bank somewhere different that you.*

To access: log in to the A+ Mobile App > MENU (bottom right) > Transfers & Payments > Send Money with Zelle®

  • Easy – send money right from the A+ Mobile App
  • Fast – money sent is available to use within minutes*
  • Free – there are no fees** to use Zelle® in the A+ Mobile App

All you need is an email address or U.S. mobile number. No account numbers are shared.

Learn More

*U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.

**There is no fee to send or receive money via Zelle® at A+ Federal Credit Union, however there may be instances where using Zelle® may incur charges: if you send a transaction for which you have insufficient funds, non-sufficient funds (NSF) fees may apply.

Membership required. Adult members 19 years of age and older with an eligible checking account will be able to utilize Zelle®. Eligible checking accounts include Value Checking, Cash-Back Checking, or A+ Checking. Transaction limits apply. To transfer money from your A+FCU accounts with Zelle®, you will need to use the A+ Mobile App. Additional conditions and restrictions may apply. Subject to change without notice.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

A+ Quick Pay gives you another option to easily make your loan payments – whether you need to look up your member number, pay with a debit card, or set up recurring payments.

  • Through A+ Online Banking: this free option allows you to make a loan payment after you log in by using a debit card or by setting up an external financial institution.
  • Through Guest Pay Portal: If you don’t know your member number, can’t access A+ Online Banking, or need to make a quick payment, the A+ Quick Pay Guest Pay Portal provides an easy way to pay with a debit card or use a checking account from another financial institution for a $3.50 fee.

Find Out More

April, Your 24/7 Virtual Assistant

Get help 24/7 from our virtual assistant, April – now available from the A+FCU website.

April is available to answer frequently asked questions, help you find information on the website, learn more about products and services, and more.

To chat with April, click the How can I help? chat bubble on desktop or the green chat bubble on mobile and start asking questions. April will offer suggestions for top questions or related concerns.

Live Chat With A+ Team Members

While April can help with top questions, we also now offer live chat with A+ Team Members for more specific questions or issues.

Live chat is only available during business hours. Get started by chatting with April and selecting A+ Team Member or typing representative in the chat.

 

Be on the lookout for additional Chatbot and live chat enhancements and features.

A healthy credit score can unlock opportunities and savings that can help you achieve your financial goals. To help you understand and take control of your credit score, A+FCU members now receive free access to VantageScore® 4.0.

With this tool, you can easily monitor your credit score – with no impact to your score. To enroll and view your score each month, simply log in to A+ Online Banking or the A+ Mobile App. You’ll see the feature on the menu on the right side.

Find Out More

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Helpful

Resources

Make the most of your A+FCU membership with these resources to help you manage your accounts and better your finances.

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Life Guidance for:

Personal Finances

Financial health is a key part of overall wellness. Count on us to provide the knowledge and tools you need to make sense of your money, better your financial journey, and improve your peace of mind.

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Life Guidance for:

Safety & Security

Keeping your personal and account information safe can be challenging. Use our tools and tips to help protect yourself from fraud and identity theft.

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