Earns dividends on all balances
No monthly service fees
Unlimited free ATMs worldwide
Unlimited debit card rewards
One point for every $5 spent1
Free transfers between Advancial and non-Advancial accounts
Free instant-issue debit card
Free checks
Access to Co-Op Shared Branch Network
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.
We make it easy to save and give back.
Round up your purchases to boost your savings, while donating your spare change to a good cause.
Save UpSM Program
Save Up makes saving an easy, automatic process. By automatically rounding up your transactions and depositing the difference into your savings account, you'll reach your savings goals in no time. Plus, Advancial matches 100% of your transfers for the first 30 days and 5% thereafter, up to $200 every year.
Save Up makes saving even easier.
Save Up makes saving even easier.
Save Up for Good
Save Up for Good works just like Save Up: every time you use your Visa debit card for a non-PIN based transaction, Save Up for Good will round up that transaction and transfer the difference to the Save Up for Good donations account.
Your donations will be combined with all of the other members who are participating in Save Up for Good and at the end of the year, all of the donations will be totaled and given to a well-deserving charity.
Your donations will be combined with all of the other members who are participating in Save Up for Good and at the end of the year, all of the donations will be totaled and given to a well-deserving charity.
Budget Calculators
Budgeting is hard, but we have some tools that can help! Use our calculators to simplify your finances.
- Calculate your net worth
- How much am I spending?
- How much should I be saving for college?
- Should I save money or pay off debt?
Better Banking Designed for You
We’ve got you covered—find helpful how-to guides and fraud protection tips designed to keep our members informed and in control.
How-To Hub
A full library of step-by-step guides for using Advancial's products, platforms, and services.
Fraud & Security
Protecting your privacy and keeping your data secure is a top priority. If you think you have been a victim of identity theft or you have had your card stolen or lost, contact Advancial immediately.
Frequently Asked Questions
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:
To activate your card in cuAnywhere® or the Advancial Mobile App:
- Log in to cuAnywhere® Online Banking or the Advancial Mobile App
- Select Card Management > Card Maintenance
- Click Card Activation and follow the steps provided
- Log in to cuAnywhere® Online Banking or the Advancial Mobile App
- Select Card Management > Card Maintenance
- For cuAnywhere, click PIN Management
- Select the card in which you’d like to change your PIN and click Continue
- Enter your new PIN and click Save
- For the Advancial Mobile App, click PIN Set and follow the same steps mentioned above
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:
To lock your card in cuAnywhere® or the Advancial Mobile App, follow these steps:
- Log in to cuAnywhere® Online Banking or the Advancial Mobile App
- Select Card Management > Card Controls
- Select or add the card in which you’d like to lock
- For cuAnywhere®, click Lock or Unlock the card
- For the Advancial Mobile App, click the icon so that it shows Locked
- If you find your card, simply use the same steps to unlock it and begin using it again
- Log in to cuAnywhere® Online Banking or the Advancial Mobile App
- Select Card Management > Card Maintenance
- For cuAnywhere®, click Block Lost/Stolen Card
- For the Advancial Mobile App, click Card Blocking
- 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.
Advancial offers two overdraft protection options: Overdraft Transfers and Check Clear® Courtesy Overdraft Privilege. These services can help you avoid declined transactions in case of insufficient funds. Enrollment is required to utilize these services. If you choose to enroll your checking account in both Overdraft Transfers and Check Clear Courtesy Overdraft Privilege, we will attempt to cover the transaction by the transfer method before using Check Clear.
Overdraft Transfers- A free service that uses funds from a designated account in order to cover overdrafts
- Monthly transfer limits and excessive withdrawal fees may apply for certain designated accounts. Funds transferred from a designated line of credit will incur a finance charge. Lines of credit are subject to credit qualification and approval
- A discretionary service that may cover overdrafts up to your courtesy overdraft limit
- Check Clear is to members 18 years of age or older and in good standing with the Credit Union
- A $10 fee applies for each covered transaction, up to a daily maximum
- Your account must be brought to a positive balance within 45 days. Check Clear services may be revoked if your account remains negative for more than 30 days.
- The types of transactions covered by Check Clear depend on the coverage level selected:
Standard Check Clear covers following transactions: (1) Checks and other transactions made using your checking account number and (2) Automated Clearing House (ACH) transactions
Extended Check Clear covers the following transactions: (1) Checks and other transactions made using your checking account number, (2) Automated Clearing House (ACH) transactions, and (3) Debit card transactions (recurring and one-time)
- By Phone: Call us at 214.880.0141 or 800.322.2709
- In Person: Speak to a representative at any branch
- cuAnywhere® Online Banking & Advancial Mobile App: Log in to your account then navigate to Manage and select Enrollments, where you will find options to manage your Overdraft Transfers or Check Clear services.
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:
You may also contact your local branch, our Member Service Center or order them in cuAnywhere® Online Banking.
To order through cuAnywhere:
- Log in to cuAnywhere® Online Banking
- Select Manage > Order Checks
- Select the account in which you’d like to order checks
- Fill out the information on the check order page you’re redirected to
All members receive one free box of checks per year.
We offer a variety of additional services, including:
- Notary services – Each Advancial branch has a notary public on staff to help you complete important documentation.
- Safe deposit boxes – Protect your valuables from fire, theft or other unexpected incidences that can happen at home. Our safe deposit boxes are both secure and affordable.
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.
Earn one point for every $5 spent on all non-PIN-based transactions.
Early access to direct deposit funds is a free feature that you must opt-in to in cuAnywhere, and depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Standard fraud prevention restrictions apply. If your deposit doesn't arrive early, expect it to arrive on your scheduled payday. Not all direct deposits qualify.
All accounts subject to approval. Restrictions and limitations apply.
