Mobile & Online

• Is there a fee to use America's Mobile App?
  

  No. America's Credit Union offers our mobile app to members free of charge. ¹

• How do I sign up for Mobile Banking?
  

  No sign-up is necessary since every member is given Online Banking access when you open an account. Download the Mobile App "AmericasCU" from the app store.

• What can I do with Mobile Banking?
  

  You can view balances and transaction history, transfer funds between your share accounts and find nearby ATMs. With the app, you can view your account balances, transaction history and check images; transfer funds between your share accounts; pay bills; locate nearby surcharge free ATMs; and access personal financial management tools. With bank-by-text you can view your balances; transfer funds between your share accounts; view history; and lock/unlock your account. Commands include HELP, STOP, BAL, TRAN, HIST, LOCK, UNLOCK and HOURS. 

All Mobile Banking FAQs

• What's going to be different in the new platform?
  

  Once you log in, you'll immediately notice a new streamlined design with improved navigation, giving you quick access to the information and tools you need to manage your money.  Additionally, you'll now see all your accounts through a single login.  This will include accounts where you are a primary owner or joint owner.  

• Who should I contact if I have questions or issues?
  

  For support, call us at 214.742.6551 or 888.742.6551 or you can live chat with us during business hours. Monday through Friday from 8:00 a.m. to 6:00 p.m. or Saturday from 9:00 a.m. to Noon. If you are signed in to Online Banking (or the Mobile App) and need assistance, you can always send us a secure message. A response will be sent by the end of the following business day.

• How do I set up my dashboard?
  

  Dashboard cards can be added, removed, resized, and reorganized based on your personal preference. Select Organize dashboard at the very bottom of the Dashboard page.

• What happens if I forget my username or password?
  

  Select Forgot? link available within the sign-in screen. You will be required to verify personal information and complete it.

All Digital Banking FAQs

• Should I endorse the back of the check?
  

  Yes. If you don't endorse the back of the check, your Mobile Deposit may be rejected. Your endorsement should include; “Mobile deposit at ACU" or "Mobile deposit at America's Credit Union", your signature(s), the account number to which you are making the deposit, and the date.

• Can I deposit any check with Mobile Deposit?
  

  You should only use Mobile Deposit for domestic checks not drawn on your own account. Checks must be made payable to an owner of the share and must have an endorsement on the back. Checks may be rejected if they are incomplete, post-dated or stale-dated, made payable to a third party, or stamped with a “non-negotiable” watermark. Be sure your checks have no evidence of alteration or contain a restrictive endorsement. Savings Bonds are not eligible for Mobile Deposit.

• When will the deposit post to my account?
  

  The time may vary, but some deposits may be automatically processed within a couple hours. Other mobile deposits will be accepted into a review queue at America's Credit Union. When your deposit is accepted, it is important that your contact information (including your e-mail address) on file is current so that if there is any delay, 

All Mobile Deposit FAQs