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    Inbound USA Checking

    A checking account designed specifically for expats.
    No minimum balance requirements
    No monthly service fees
    Free membership for immediate family members
    No foreign transaction fees
    International wire transfers available for a small fee2
    Unlimited free ATMs worldwide
    Unlimited debit card rewards
    One point for every $5 spent1
    Free transfers between Advancial and non-Advancial accounts

    Advanced Direct Deposit

    Enroll in Advanced Direct Deposit and get paid up to two days earlier!2 Simply log in to cuAnywhere Online Banking and click "Enrollments" under the "Manage" tab on your Accounts Summary page.

    Frequently Asked Questions about Inbound USA Checking
    No, your savings account is your share in Advancial. It gives you ownership and voting rights at the credit union. A savings account with a small initial deposit of just $5 is required to access all of Advancial’s financial services.
    You can activate your card in cuAnywhere® Online Banking, the Advancial Mobile App or by calling our Member Service Center at 800.322.2709, saying “activate my debit card” and following the prompts. Please have your card with you.

    To activate your card in cuAnywhere® or the Advancial Mobile App:
    1. Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    2. Select Card Management > Card Maintenance
    3. Click Card Activation and follow the steps provided
    1. Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    2. Select Card Management > Card Maintenance
    3. For cuAnywhere, click PIN Management
    4. Select the card in which you’d like to change your PIN and click Continue
    5. Enter your new PIN and click Save
    6. For the Advancial Mobile App, click PIN Set and follow the same steps mentioned above
    You can also contact our Member Service Center at 800.322.2709, or 1+ 214.880.0141 for international calling, and say “change my debit card PIN”. Please have your card handy.
    If you’ve lost your card or believe it has been stolen, lock your card in cuAnywhere® Online Banking or the Advancial Mobile App immediately. You can also contact our Member Service Center at 800.322.2709 and speak with a Member Service Representative who will be able to lock your card and order you a new one.

    To lock your card in cuAnywhere® or the Advancial Mobile App, follow these steps:
    1. Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    2. Select Card Management > Card Controls
    3. Select or add the card in which you’d like to lock
    4. For cuAnywhere®, click Lock or Unlock the card
    5. For the Advancial Mobile App, click the icon so that it shows Locked
    6. If you find your card, simply use the same steps to unlock it and begin using it again
    If you know your card has been stolen, follow these steps:
    1. Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    2. Select Card Management > Card Maintenance
    3. For cuAnywhere®, click Block Lost/Stolen Card
    4. For the Advancial Mobile App, click Card Blocking
    5. Select the card in which you’d like to block and click Block or Submit
    Yes, all of our checking accounts allow you to use any ATM worldwide, whether it’s an Advancial ATM or an ATM from another financial institution, for free. If you are charged ATM fees from another financial institution, we will automatically reimburse those fees.
    Yes, Check Clear® Courtesy Overdraft is tied to your checking account. This service includes a $10 Non-sufficient Funds (NSF) fee which will be charged a maximum of twice per day. We also offer free overdraft transfers from a savings account or a line of credit.

    Enrolling in Overdraft Transfer Protection is easy:
    1. Log in to cuAnywhere Online Banking
    2. Select Manage > Enrollments
    3. Click the green arrow next to Overdraft Transfer Protection
    4. Select which account you’d like to add Overdraft Transfer Protection and click Save
    You can also contact our Member Service Center at 800.322.2709 to enroll.
     
    All members receive one free box of checks per year.
    Simply click here and enter Advancial’s routing number (311078857), enter the account number you’d like to order checks for and your zip code.

    You may also contact your local branch, our Member Service Center or order them in cuAnywhere® Online Banking.
    To order through cuAnywhere:
    1. Log in to cuAnywhere® Online Banking
    2. Select Manage > Order Checks
    3. Select the account in which you’d like to order checks
    4. Fill out the information on the check order page you’re redirected to
    Save UpSM makes saving an easy, automatic process. Every time you use you Visa® debit card for a non-PIN-based transaction, we’ll automatically round up your transactions and transfer the difference from your checking account to your savings account. Plus, Advancial matches 100% of your transfers for the first 30 days and 5% thereafter, up to $200 per year!
    If you use your Visa® debit card to make purchases, the merchant may put a hold on your account for the purchase amount. Once the charge comes through on your account, the hold is released.
    1 Earn one point for every $5 spent on all non-PIN-based transactions.
    2 We understand you may require an international wire transfer. Our international wire transfers can be easily created through the “Move Money” tab of online banking and all are offered with reasonable fees. Click here to see a list of wire transfer fees. 
    All accounts subject to approval. Restrictions and limitations apply.
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