Online/Mobile Banking FAQs
What is Online/Mobile Banking?
Online/Mobile Banking enables you to connect to your Alabama Teachers Credit Union (ATCU) account information from your personal computer, Apple or Android device, which must be running the most current iOS or operating system available. You will be able to quickly and easily check balances, view recent transactions, instantly transfer funds, pay bills (if you are a Bill Pay subscriber), sign up for eStatements, make Mobile Check Deposits (if eligible), configure alerts, locate a branch, plus more.
Is Online/Mobile Banking safe?
Yes. The systems are built using the SmartApp Development Environment (SADE). SmartApp features secure login (SSL encryption and multi-factor authentication compliant). Once you have completed your initial registration, you will be required to log in to your account each time by username and password, PIN, Touch ID, or Face ID if applicable. Online/Mobile Banking also has a time-out feature if you leave your personal computer or device open for a period of time.
What do I need to get started with Online/Mobile Banking?
You must have a personal computer or mobile device with internet access.
How do I activate Online Banking?
Visit the Alabama Teachers Credit Union website, www.atcu.com, and locate the Online Banking login area. Click "New User Registration" and follow the prompts.
How do I activate Mobile Banking?
There are two options to download the app.
- Visit the appropriate app store for your device and search Alabama Teachers Credit Union. Download it for free. (other app store key search words: ATCU, Alabama Teachers CU, Teachers CU, Teachers Credit Union, TCU)
- You can also open your mobile phone’s browser and go to www.atcu.com. Visit our Mobile Banking page and follow the instructions.
iPhone® and iPad® are a trademark of Apple, Inc. Alabama Teachers Credit Union is not affiliated with, sponsored by, or endorsed by Apple Inc.
Is there a fee for Online/Mobile Banking?
Our Online Banking system and app are free and there is no service charge for using ATCU’s Online/Mobile Banking; however, you could be charged access rates depending on your mobile carrier. Check with your carrier for details on specific fees and charges.
What information is required to register for Online/Mobile Banking?
Your account number, the last four digits of your Social Security Number, and your date of birth are required for registration. You will also be required to select the phone number and delivery method of an authorization code (text or voice message). This is used for account verification. Once the account is verified, a username and password will need to be created. The username is restricted to between 6 – 20 characters in length. We do not recommend using your account number for your username. The password is restricted to: 8 – 20 characters that include 1 upper case letter, at least 1 number and a special character. These requirements are stated specifically within the registration process.
If any error message is received during registration, this could be a one-time occurrence due to a connectivity problem. Please try the process again. If the issue reoccurs contact our Member Service at 1.800.470.0704 or email email@example.com for assistance.
There are currently no enforced rules requiring a member to occasionally change their password. It is a suggested best practice that members access the “Help” feature in the application and periodically change their password as a security measure.
I keep being asked to have an authorization code sent to me. Is this normal?
Yes. This is an important security feature that protects your information. There are a few situations when an authorization code will be required.
- If you have multiple membership accounts and have created registrations for each, a new authorization code will be generated when logging in to these different accounts on the same device.
- If you have one membership and are using multiple devices. A new authorization code will be generated when logging on the new device for the first time.
- If you have one membership account and use one browser. A new authorization code will be generated when the browser does not save to the cache or is set in private mode. This also happens if you clear the cache/cookies on your browser.Business accounts that are opened using an individual’s Social Security Number will be able to register for Online/Mobile Banking as stated above for consumer members. If registering with a business account number, use the business account number and any of the authorized signers’ information, such as the last four digits of the signer's Social Security Number, and signer’s zip code. Please call Member Service at 1.800.470.0704 or email questions to firstname.lastname@example.org for assistance. You can hide the account by going to “Settings”, select the account you wish to hide and turn the hide option on. To see the account again, follow the same steps and turn the hide option off.
Can a business member use Online/Mobile Banking?
Business accounts that are opened using an individual’s Social Security Number will be able to register for Online/Mobile Banking as stated above for consumer members. If registering with a business account number, use the business account number and any of the authorized signers’ information, such as the last four digits of the signer's Social Security Number, and signer’s zip code. Please call Member Service at 1.800.470.0704 or email questions to email@example.com for assistance.
I am an owner or an authorized signer on another account and it shows up on Online/Mobile Banking. I don’t want it on there, how can I remove that account?
You can hide the account by going to “Settings”, select the account you wish to hide and turn the hide option on. To see the account again, follow the same steps and turn the hide option off.
What is the functionality of Online/Mobile Banking?
- View balances
- View account history
- Transfer funds between ATCU accounts
- Set up recurring transfers
- Pay bills (if a Bill Pay subscriber)
- View eStatements (if enrolled)
- View ATCU locations
- Configure security/account alerts
- Deposit checks (if eligible)
- Change username/password
- ATM/Debit Card on/off
- Past due loan indicator
- Member to Member transfers
- Pay a Friend
- View Credit Card transactions
- Order/reorder checks
- Plus more
How do I sign up for eStatements?
Login to Online/Mobile Banking and click the “Statements” tab. Follow the prompts. Eighteen (18) months of Statements will be available.
What happens if I lose service while performing a transfer or bill payment?
It depends on how far you were able to get in entering your transaction. The best way to find out if you need to repeat the transaction is to view your history as soon as your internet service returns. If you see the transaction, then it went through successfully. If not, you will need to process it again.
What happens if I forget or need to reset my username or password?
Select the “Help” icon at the login screen, select any of the following options that apply: “Forgot User Name”, “Forgot or Reset Password” and follow the necessary steps to retrieve the forgotten credentials.
Can I transfer money to another ATCU member?
Yes. You can select “Member to Member” from the menu option and then “Add a Payee.” Follow the prompts to set up a payee, entering the last name of the recipient and the payee account type (savings or checking). Enter the account number using the following format: 12345-0000 for savings, 12345-0075 or other applicable suffix number for checking.
How do I transfer funds to someone who banks at another institution?
You may use our “Pay a Friend” menu option to send money to someone who is not an ATCU member; however, a $250.00 daily limit applies. Select the “Pay a Friend” option from the menu. Click “Send Money”; complete the “Pay To,” “Pay From,” and “Send Method” boxes. Input the amount, and add a message, if desired. Choose a secret word. The recipient will input the secret word when receiving the funds. Click submit, and verify the information on the transfer summary screen; click confirm.
Do I need the routing/account number when transferring money via “Pay a Friend” to people who do not have an ATCU membership?
No. You only need the recipient’s name, email address or mobile phone number.
Will I be able to disable/enable my ATM/Debit Card?
Yes. You will be able to disable/enable the ATM/Debit card associated with the membership account number which you utilized to register for Online/Mobile Banking. .
If my ATM/Debit Card has been compromised can I turn it off?
Yes. You can disable the card via Online/Mobile Banking to prevent future purchases; however, you will have to call Member Service at 1.800.470.0704 or visit the nearest ATCU location, to cancel your card permanently.
Will I be able to place stop payments on checks?
Yes. You can place stop payments on a single check. There is a $30.00 stop payment fee for each stop payment. Stop payments are valid for six months. To place stop payment on a range of checks, ACH, or Bill Payment, please call Member Service at 1.800.470.0704.
Can I view checks that clear my account?
Yes. You can view checks that clear your account by reviewing your account history and selecting that particular transaction, and then the check icon.
Can I attach personal records (receipts, invoices, statements, etc.) to specific transactions?
Yes. You can attach an image to each transaction in your transaction history. This feature gives you the ability to upload a photo of your latest purchase or receipt to keep track of spending activity.
Are credit card transactions accessible through Online/Mobile Banking?
Yes. If you have an ATCU Visa® Credit Card, you may view credit card transactions and statements by selecting “Credit Card Transactions” in the left navigation bar. Please keep in mind, all credit card payments are due the 16th of each month.
Is ATCU’s Mobile Application available on my Apple Watch?
Yes, you can check balances, view transaction history, and access our branch locator through the application on your Apple Watch.
Can I update account information through Online/Mobile Banking?
Yes. Select the gear icon in the upper right hand corner of your screen and choose profile to change your account information. Your information will only be updated on the account number that you used to register for Online/Mobile Banking. If you have other accounts that require updates, please call Member Service at 1.800.470.0704.
What if I have more questions regarding Online/Mobile Banking?
Call Member Service at 1.800.470.0704 or email your questions to firstname.lastname@example.org.