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Associated Credit Union: Online banking User Guide

Associated Credit Union: Online banking User Guide

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One of Georgia’s oldest financial institutions, Associated Credit Union (ACU) was chartered in 1930 to provide low-cost financial services to its members. Associated Credit Union (ACU) is a non-profit cooperative owned by its members. A wide variety of products and services are offered by a full-service financial institution, ACU to its members in Georgia, across the United States, and overseas. In the U.S. ACU is ranked in the top 150 credit unions. For its members, it continually strives to develop competitive products.

Screenshot of home page of https://www.acuonline.org:

At ACU website, users deposits are safe and secure. The National Credit Union Administration federally insured deposits up to $250,000. In different rights, deposits maintained and capacities are each separately insured to $250,000 as well. Individual Retirement Accounts and Roth Accounts are separately insured to $250,000.

Products of Associated Credit Union:

  • Checking Accounts
  • Saving Account
  • Auto Loans
  • Auto Refinance
  • Auto promo
  • IRAS & Education Accounts
  • Student Loans
  • Green Loans
  • Mortgage Loans
  • Credit Card, Personal & Other loans
  • Credit Card, Personal & Other Loans
  • Business Loans
  • Apply Online
  • Brochures
  • Check Orders, View & Pay Visa bill

How to enroll in Online Banking?

Enrolling in Online Banking is easy. Enter your Share Account Number in the User ID box, last 4 digits of your Social Security Number, in the Password box, and click the “Login” button. If you need assistance, please call us at 770.448.8200 Ext. 2402.

Online Banking:

Users are offered to free access to their accounts with Online Banking by ACU. For online banking, login to Online Banking by clicking on “login” option, which is located in the upper right corner of our Web site. They can use their Share Account number and the last four-digits of their Social Security Number as their temporary initial password. Then they will be asked to accept its agreement and afterwards prompted to change their password. if they experience difficulty in logging in, access its online help index.

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beeGreen eStatements:

With beeGreen eStatements, make a positive impact on its environment. By using eStatements, get your statements fast and secure. By enrolling the next time you use Online Banking, start the use of eStatements. Choose the eStatement tab and you will be able to view your statements, tax forms, and the ScoreCard points you are accumulating using your check card.

Secure Support E-mail:

E-mail communication, which is initiated by Members from within Online Banking, is provided by Secure Support. You can write a safe e-mail message, view past e-mails sent and received, and manage your inbox. Every e-mail is identified as delivered securely from within an Online Banking session to make sure that confidential information is only shared in secure interactions.

Bill-Pay & Presentment

You are allowed to receive, view, and manage bills online, as well as schedule single or recurring payments, all from the same online location by Bill-Pay & Presentment. When you pay at least one bill per month, Bill-Pay is free. Users may pay 30 items monthly at no charge and subsequent items are $.50 each. After you enroll, your first three months are non-chargeable for giving you time to enter your merchant information. Afterwards, just pay one bill per month and it remains free. Otherwise, there is a $5 monthly service charge.

FinanceWorks:

Check out FinanceWorks, to access your accounts online at next time. It is a free service and to help you manage your finances, it combines the best of Quicken with the convenience of Online Banking.

Mobile Banking:

To access your accounts wherever you may be, use its free Mobile Banking. with Web access, cell phones can log on to Mobile Banking at mobile.acuonline.org. Check balances and rates, transfer funds, pay bills, and locate it, all on your phone.

Security refers to preventing unauthorized access to a computer system or network. To prevent unauthorized users from gaining access to the internal network, Internet Banking uses several layers of technology. Security professionals of Internet Banking manage a sophisticated networking architecture that contains screening routers, filtering routers, and firewalls. Internet Banking is a term for accessing your account information over the Internet. The Internet Banking section is automatically secured/encrypted, but the rest of the Web site can be accessed as either secure or unsecure.

To ensure security, it recommend the following:

  • Never reveal your password
  • Password refers to your telephone access (audio response system, not Bill Payment) password or the password that you chosen, when you signed up for Internet Banking. It may alternatively uses a different name(e.g. “PIN”). Contact its Customer Service, if you have questions about what to enter in order to access Internet Banking for the first time.
    • Important: You are allowed to enable a function to require passwords for specific sites or certifications by Some browsers. In that instance, you should enter the password for the browser.
  • Passwords are case sensitive. Mixing uppercase and lowercase letters is permitted.
  • You can change your Internet Banking password under User Options at any time. It is recommended that you change your password every six months.
    • Warning: It does not have access to your password. In the case of a forgotten password and/or challenge questions, contact its Customer Service and ask them to reset your password for Internet Banking.
  • To end a Internet Banking session, use the “Sign Off” icon. This will securely close out your Internet Banking session and expire all the cookies that were set in your session. Do not use the Back key.
    • Important: The browser will allow you to use the Back key to get back into your Internet Banking session should you wish to explore another site, If you do not exit the browser.
  • The amount of time you can remain inactive before being automatically logged out of Internet Banking can be set under User Options.
    • Warning: For your own security, keep this time setting as short as possible.
  • It is recommended that you balance your account at least once a month so that any discrepancies can be reported in a timely manner.

To use the Quick Transfer feature:

  • Enter the amount to transfer.
  • Choose the account to debit using the From Account drop-down list. If the designated account is subject to Regulation D, then Regulation D transfer limit or check limit information will be displayed, if available. Regulation D sets a monthly limit on the number of transactions that can be made from certain accounts, such as savings accounts.
  • Choose the account to credit from the To Account drop-down list.
  • Click Transfer to initiate the transfer, or you can click Reset to clear the information entered. A confirmation message appears for successful transfers.

An error message will appear prompting you to correct a specific problem, if there is an error in your selection criteria for the transfer, (e.g. you did not enter an amount to transfer).

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