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 protected] 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 [email protected] 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 protected] 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 [email protected].
What is nHanced Checking?
nHanced Checking is a checking account in which members receive a high Dividend Rate on balances up to $15,000 based upon fulfilling certain qualification requirements. There are no minimum balances and qualifying members will receive unlimited nationwide ATM (Automated Teller Machine) refunds.
What are the benefits of nHanced Checking?
nHanced Checking accounts earn dividends. These dividends are tiered. In other words, there is a cap to the amount of money that can earn the highest rate. No matter the total balance, the funds below that cap will always earn the highest rate when the Monthly Cycle Qualifications are met. The funds above the cap will earn what is called an “above-the-cap” rate, which is usually lower than the “below-the-cap” rate. However, your end-of-cycle statement will show only one rate, and that rate reflects a combination of the below-the-cap and above-the-cap APY (Annual Percentage Yield). This rate, a blend of the two APYs, is known as a “blended yield.”
What are the Monthly Qualification Cycle requirements that must be met to qualify for the rewards?
During each monthly qualifying cycle:
- Have at least twelve (12) debit card purchases post and settle.
- Have at least one (1) direct deposit, automatic payment (ACH), or Bill Pay transaction post and clear.
- Be enrolled and receive eStatement notice.
What is the Monthly Qualification Cycle for nHanced Checking?
Monthly Qualification Cycle refers to the period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.
Will all nHanced Checking members be on the same Qualification Cycle?
How does the tiered Dividend Rate for nHanced Checking work?
A Dividend Rate of 2.50% APY will be paid only for that portion of your average daily balance that is less than $15,000. Balances over $15,000 earn a 0.25% Dividend Rate on the portion of the balance over $15,000, resulting in an APY range of 2.50 - 0.54% depending on the balance. For example, an account balance of $115,000 would earn 0.54% APY. Accounts that do not meet qualification requirements, will receive .10% APY Dividend Rate paid on balance.
How often must the requirements be met to qualify for the rewards?
Each Qualification Cycle period. Qualification Cycles will vary from statement cycles. The details are as follows:
During the first Monthly Qualification Cycle, each nHanced Checking account receives the higher Dividend Rate and all ATM fees refunded regardless of whether or not requirements are met. Accounts with negative balances still qualify if requirements are met; however, dividends are only paid on positive balances during the Monthly Qualification Cycle. Dividends will be calculated using the average daily balance method. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. Dividends will begin to accrue on the business day we receive provisional credit for the deposit of non-cash items (e.g. checks) to your account. Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will be automatically posted the last day of the month. ATM fees will be refunded the day after the Monthly Qualification Cycle ends. An IRS Form 1099 or other applicable tax reporting form will be distributed for dividends earned totaling more than $10.00 for the calendar year. Neither dividends nor ATM fee refunds will be paid if a nHanced Checking account is closed during the Monthly Qualification Cycle. We will manually refund ATM fees for share withdrawals upon notification by member.
Can the Dividend Rate change on the nHanced Checking account?
Yes, the rates are subject to change without notice.
How is the Dividend Rate calculated?
The Dividend Rate is calculated based on the average daily balance in the nHanced Checking account.
Is this just a “teaser” rate?
No, this is not a teaser rate. The high Dividend Rate is based upon meeting certain requirements; however, as with all of our rates, this rate can change without notice.
What happens if I don’t meet the requirements for nHanced Checking?
An APY of .10% will be paid on the average daily balance for the period; however, ATM fees will not be refunded.
If I meet the requirements, when will I receive my rewards?
Dividends will be posted on the last day of the month and ATM fee refunds will be posted the day after the Qualification Cycle ends. Rewards will be reflected on your monthly nHanced Checking eStatement.
Will I receive appropriate dividend information at the end of the year?
You will receive an IRA Form 1099 reflecting earnings information for each account and the total annual dividends earned on each account.
Direct deposit is one of the requirements for nHanced Checking. I requested my direct deposit be transferred to my nHanced Checking account, but it didn’t happen on my next pay period. Why?
Whenever a direct deposit is transferred, changes may not be reflected for one to two payroll cycles.
Do I have to do anything in order to get my ATM fees refunded?
You must satisfy the Monthly Qualification Requirements. Qualified ATM fee refunds will be calculated and applied automatically on a monthly basis, and reflected on your eStatement. ATM fee refunds will be refunded the day after the Monthly Qualification Cycle ends. ATM receipt must be presented within sixty (60) days of the transaction for reimbursement of an individual ATM fee of $5.00 or higher.
Are international ATM fees refunded?
How will I know that I have qualified for my rewards at the end of the Monthly Qualification Cycle?
You will receive an e-mail notification which details account activity and details whether or not qualifications have been met.
If my account balance goes negative, will I still be able to qualify for my rewards during that Monthly Qualification Cycle?
Yes, as long as the Monthly Qualification Requirements are met and the average daily balance for the account is positive.
If I fail to meet the requirements during the Qualification Cycle, will I still have a chance to qualify during the next Qualification Cycle?
Yes, each month you have a new opportunity to meet requirement qualifiers; however, qualification requirements do not roll over monthly.
What if my new VISA® ATM/Debit Card doesn’t arrive until late in the first Monthly Qualification Cycle and I don’t have time to earn my benefits, will I still get them?
Yes. Accounts automatically qualify for the higher rate during the first Monthly Qualification Cycle in which the account is opened.
If I do not meet all requirements, can I request to receive my dividends and ATM fee refunds anyway?
No. Benefits are created based upon fulfilling ALL of the qualification requirements.
Why is there a $15,000 limit on nHanced Checking Accounts?
The nHanced Checking account offers an attractive Dividend Rate and other great benefits. Through research, we discovered that a higher amount would make it difficult to offer this type of account.
Are there any additional fees with the nHanced Checking account?
See Fee Schedule.
If I close my nHanced Checking account during the Monthly Qualification Cycle, do I still earn my benefits for the time it was open?
No, your account must remain open through the last day of the Qualification Cycle to qualify for the rewards.
If I use my VISA® ATM/Debit Card at an ATM, will that transaction count towards my requirements?
No. Qualification debit card transactions must be done at a (POS) Point-of-Sale venue using either a (PIN) Personal Identification Number or signature.
How does a debit card reversal affect my requirements?
You need twelve (12) posted and settled debit card purchases. For example, you make twelve (12) purchase transactions but return one; your net purchase transactions for the Monthly Qualification Cycle would be eleven (11).
May I “carry forward” debit card transactions in excess of the required number to the next Monthly Qualification Cycle?
Why do I have to use my VISA® ATM/Debit Card for nHanced Checking?
nHanced Checking accounts are being rewarded for fulfilling certain requirements. By requesting use of more cost-effective delivery channels, such as debit/point-of-sale (POS) transactions, ATCU is able to pass along cost-savings in the form of greater Dividend Rates.
When is a debit card transaction considered “settled?”
On the date the funds are posted to your nHanced checking account. This may not be the same date as when the card was used. ATCU has no control over these delays. The merchant (where the purchase occurred) controls when these transactions are submitted to ATCU.
What are eStatements?
An eStatement is the alternative to receiving paper statements. Once enrolled, you will receive a monthly e-mail notifying you that your statement is ready. You can log on to our Online Banking secure site (with a password that you create) and view your current or past statements.
Are eStatements a requirement to qualify for the rewards?
Do I receive images or cancelled checks back with my nHanced Checking account?
Can I have a nHanced Checking account if I don’t own a computer?
What if my e-mail address changes?
You may update your email address by contacting any ATCU office.
What if I need a printed copy of my statement?
You may print your eStatement. If you do not have the ability to print you may contact us at 1-800-470-0704 for assistance. See Fee Schedule for applicable fees.
Is there a limit on the amount of money I can keep in my nHanced Checking account?
No; however, balances over $15,000.00 earn a Dividend Rate of 0.25% on the portion of the balance over $15,000.00, resulting in an APY range of 0.25-2.50%, depending upon the account balance. For example, an account balance of $115,000.00 would earn an APY of 0.54%.
Is there a minimum balance requirement in order to receive my rewards?
Is there a limit on the number of checks you can write on a nHanced Checking account?
Is overdraft protection available for nHanced Checking accounts?
Yes. All checking accounts are automatically covered by the share account unless requested otherwise. All members may apply for an Overdraft Protection Loan, subject to credit approval.
May I convert my current checking account to a nHanced Checking account?
Yes. Account specifications must be met.
Can a DBA (Doing Business As) use this account?
Can this be used as a business account?
No. nHanced Checking is for personal accounts only.
Will the transactions from the statement cycle on my former account carryover towards the required transactions for this statement cycle on my nHanced Checking account?
No; however, accounts automatically qualify for the higher Dividend Rate during the first month in which the account is opened.
Is there a limit on the number or type of transactions you can conduct on a nHanced Checking account?
If I am converting a Term Share Certificate Account over to a nHanced Checking account, do I need to pay the penalty on the account before closing it?
Yes, any applicable penalties would be charged.
Will I be able to use my existing VISA® ATM/Debit card, checks, and account number with my nHanced Checking account?
Your VISA® ATM/Debit Card and account number will remain the same. You may also continue to utilize your existing checks; however, when you reorder, the checks will not be free on the nHanced Checking account.
Can I open multiple nHanced Checking accounts under the same account number/Social Security number?
No. You may have only one nHanced checking account per Taxpayer Identification Number (TIN)
What is a dividend?
A dividend is the “interest” a member earns on an account during a monthly statement cycle.
Can the Dividend Rate change on my nHanced Checking account?
Yes. Dividend Rates are subject to change without notice.
Are my funds federally insured?
Yes. Your funds are federally insured up to at least $250,000 and backed by the full faith and credit of the United States Government, the (NCUA) National Credit Union Administration, a U.S. Government Agency.