Click the link below to access your account information using Online Banking:


Thanks to your smartphone, there’s no need to restrict your banking to a branch or a desk. With Mobile Banking with Mobile Check Deposit from Alabama Teachers, you can easily access your online accounts, view account balances, make deposits with your built-in camera, and more.

Google Play App Store

  • Free, secure, timesaving service
  • Access a wide range of banking tasks 24/7, even on the go:
    • Check account balances
    • View account activity
    • Transfer funds between accounts
    • Make loan payments
    • Deposit checks
    • And more!
  • Download our convenient app for free using the following links:
  • Save yourself time; fewer trips to a branch necessary

Online and Mobile Banking User Agreement

Remote or Mobile Check Deposit User Agreement

Online/Mobile Banking FAQs

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, 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, or Touch ID if applicable. Online/Mobile Banking also has a time-out feature if you should 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,, and locate the Online Banking log in area. Click "New User Registration" and follow the prompts.

How do I activate Mobile Banking?

There are two options to download the app.

    1. 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)
    2. You can also open your mobile phone’s browser and go to 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 are no fees associated with Online/Mobile Banking by ATCU; 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. 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: 6 – 20 characters that include 1 upper case letter, 1 lower case letter, at least 1 number and a special character. These requirements are stated specifically within the registration process. 

During this process, the system will show an email that is on record with the account. If any of the information is incorrect, please make changes at an ATCU branch. 

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 for assistance.

There are currently no enforced rules requiring a member to 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.

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 date of birth.  Please call Member Service at 1.800.470.0704 or email questions to 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 recent account history 
  • Transfer funds between ATCU accounts
  • Pay bills (if a Bill Pay subscriber)
  • View eStatements
  • View ATCU locations
  • Configure alerts
  • Deposit checks
  • Change username/password

How many transactions are displayed in my account history?

Account history dates back to January of 2017. You may also view Eighteen (18) months of account history by viewing eStatements.

How do I sign up for eStatements? 

Login to Online Banking and click the “eStatements” tab. Follow the prompts.  Eighteen (18) months of eStatements 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” or “Add Another User” and follow the necessary steps to retrieve the forgotten credentials. Usernames cannot be changed from the application. If you need your username changed please contact our Member Service at 1.800.470.0704 or send an email to for assistance.

Can I update account information through Online/Mobile Banking?

No. The phone numbers and email addresses associated with the account need to be changed at a local ATCU branch. 

What if I have more questions regarding Online/Mobile Banking?

Call Member Service at 1.800.470.0704 or email your questions to

Access accounts anytime, anywhere!

Alabama Teachers Credit Union does not charge a fee for the use of our Mobile Banking Service.  Depending on your service plan, standard text messaging & data rates may apply.