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® is 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
- 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.
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 or the ATCU Cards App 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?
No. 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 Digital Wallet?
ATCU's Digital Wallet is a safe and easy way to carry your debit and credit cards in an electronic wallet on your mobile devices (smart phones, tablets, and smart watches). Cards that are stored digitally may be used for transactions where accepted.
How secure is Digital Wallet?
Digital Wallet provides innovative security features which require the user to authenticate their transaction with biometric authentication, including Face ID, Touch ID, and fingerprints, or passcodes. A digital wallet creates a token to replace the traditional 16-digit account number found on your physical payment card. This number is securely stored on your device and used to make purchases. The device must be protected in the same manner as your card. The good news is, your card numbers are not stored on the device or on any servers, to help reduce the potential for fraud. You are responsible for maintaining the confidentiality of your user identification, User ID, any passwords associated with the activated device. You should keep your supported device and these credentials secure in the same manner as you would keep your cash, checks, credit cards and debit cards, other personal identification numbers, and passwords secure. You will still enjoy all the benefits of your Alabama Teachers Credit Union debit and credit card(s), including Visa® Zero Liability policy which protects you from unauthorized purchases as outlined in your Electronic Funds Transfer Agreement.
What devices are compatible with Digital Wallet?
Devices that support Apple, Google, Samsung, Fitbit, and Garmin Pay can be utilized.
Is there a fee for using Digital Wallet?
ATCU does not charge fees for adding cards to Digital Wallet. Please consult your Master Account Agreement & Disclosures, Credit Card Disclosure and the Fee Schedule for any applicable fees, interest, or other charges associated with your ATCU accounts. In addition, the Wallet Provider or other third parties, such as wireless companies or data service providers, may charge you service fee in connection with your use of your device or the Digital Wallet.
What do I need to enroll in Digital Wallet?
Visit www.atcu.com/digital-wallet for instructions based on your individual device.
How will I know if my Digital Wallet is being used?
Alabama Teachers Credit Union offers different methods for notification of transactions on your accounts. You can set up alerts in Online and Mobile Banking, through our ATCU Cards App, or enroll in Visa® Purchase Alerts. If you are alerted to activity you did not authorize, you should report this activity immediately.
What if I lose my physical debit or credit card?
What if my physical debit or credit card are compromised?
Just like your physical card, you should never share card information. If you believe your card has been lost or compromised, contact ATCU immediately to block the card per your agreements. You will need to remove the digital payment associated with that card from Digital Wallet. Once you receive the replacement card, you may then load the card in Digital Wallet again.
What if my card expires?
If the card is a renewal card that happens at the natural renewal time frame, you should not have to recreate the card in the Digital Wallet.
What if my device is lost or stolen?
Since your mobile device can be used like a card to make purchases, you must notify ATCU in the event your mobile device is lost or stolen. If you fail to notify ATCU, you may be liable for all for a portion of losses associated with unauthorized use of your cards, whether or not that use was through Digital Wallet. You will be able to continue to use your physical card without interruption.
What if I sell or give my device to someone?
When selling or giving away your electronic devices, you should make sure to delete all digital account information. In addition, to be certain you have cleared the device of all personal information, you may reset the device to factory settings which will also remove all digital accounts. If you forget to do this before you give the device away or sell it, contact ATCU.
What will transactions look like on my monthly/online statements?
Transactions using Digital Wallets will look similar to any other debit or credit card transaction in Online and Mobile Banking, on your ATCU Cards App, or on your monthly statement/eStatement.
How does my device transmit payment details?
When shopping at a merchant who accepts Digital Wallets as a form of payment, open the device and the Wallet App. Hold the device in front of the contactless reader. The digital account information stored on the device will be transmitted directly to that contactless reader. A checkmark on the point-of-sale reader indicates a successful payment.
What payment information will be on the receipt from the merchant?
Receipts from merchants accepting digital payments will look the same as they always have; however, the last four of your digital account number will be displayed and not the last four of your card number.
What if I need to return an item I purchased using a Digital Wallet?
Any returns processed using a digital payment will be processed the same way they are using a physical form of payment. Individual merchant return policies may vary.
Will I still be able to accrue rewards points for purchases made using by Digital Wallet and my ATCU Visa® Credit Card?
The use of Digital Wallet will not impact any rewards programs.
Am I able to opt out of the Digital Wallet service at any time?
Adding your cards to the digital wallet is your choice. You may remove your cards whenever necessary.
Who do I contact for general information about Digital Wallet, my digital account number, setting up my device, etc.?
Please call 800.470.0704 for our Contact Center during business hours.
What can I do using the ATCU Cards app?
ATCU Cards allows ATCU debit/credit cardholders to manage cards, payments, alerts, and disputes all in the convenience of a single app.
What operating systems are supported?
The latest version of iOS and Android are supported plus two previous versions.
Do I have to be connected to mobile data or Wi-Fi in order for ATCU Cards app to work?
Yes, an active internet connection is required.
What do I need to enroll in ATCU Cards?
You need to have an ATCU debit or credit card and set up your user profile by providing contact information.
What are the username, password, and email address requirements?
Your username must be between 6 and 16 characters with no special characters (ex. #, !, or &), cannot be your first or last name, and must be unique in our system. Your password must be at least 8 characters and must include a combination of uppercase and lowercase letter, numbers, and special characters. The email address you enter must be valid, include the @ sign, and must not already be registered in our system. A primary and joint cardholder must use a different email as only one user account can be tied to an email address.
When I get an error message and I’m given a phone number. What’s this?
Please call the number provided to be connected to the ATCU Call Center for assistance.
What if I forget my username?
Tap on “Forgot Username” and enter the email address associated with your profile. You will be prompted to answer a security question. After you verify your identity, we will send your username via email.
What if I forget my password?
Tap on “Forgot Password” and enter your username and one of your card numbers. You will be prompted to answer a security question. After you verify your identity, we will send a temporary password via email.
Login with your username and temporary password; you will be prompted to choose a new password.
The temporary password that you receive is only valid for 1 hour. If you do not login within an hour, you will need to tap on “Forgot Password” again.
Can a Joint cardholder access their shared account using ATCU Cards?
Yes, you can add the card by swiping to the far right in the Account Summary and then tapping Add Card.
Can an Authorized User use ATCU Cards to manage the card?
No, Authorized Users are unable to use ATCU Cards to manage the card.
How can I change information associated with my ATCU Cards profile?
On the Account Summary, tap on the menu icon in the top left corner, then tap the Edit Profile icon to the right of your user name. From this screen you can manage your profile picture, edit profile information, update your password, and change security questions. Please keep in mind that these changes will not affect your cardholder file.
Who do I call for help?
If you need assistance and you are on the login page, tap “Contact” at the bottom right to call our Call Center. If you are already logged into your account, tap the menu icon in the upper left, and then tap “Contact” at the bottom of the menu. This will automatically present our telephone number, 800.470.0704.
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 2.00% 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 2.00 - 0.48% depending on the balance. 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 0.48-2.00%, depending upon the account balance.
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.