Skip to Content (custom)

    Frequently Asked Questions

    Advancial's Brain Trust

    Looking for answers? You're in the right place.

    All of our Frequently Asked Questions in one, central page. Each of our product pages includes FAQs, but if you prefer to find all of the answers in one place, this resource is your solution. This is updated continuously, so if you have a question that isn't featured here, please let us know!

    Advancial Mobile App

    Members are not required to enroll in cuAnywhere® Online Banking prior to using the app. You can enroll in mobile banking in the app by selecting the menu icon in the upper left corner and clicking Sign Up Today.
    The Advancial Mobile App is free to download on the App Store or Google Play. Simply search for Advancial, and it should be the first choice.
    To enroll in mobile banking on the app for the first time, follow these steps:
    1. Download the Advancial Mobile App on your Apple or Android device 
    2. Open the app and tap on the menu icon in the upper left corner
    3. Tap on Sign Up Today and follow the instructions on the page
    1. Log in to the Advancial Mobile App
    2. Select Manage > My Profile
    3. Click Login Profiles and choose Create New Profile
    4. Follow the on-screen instructions
    1. Download the Advancial Mobile App on your Apple or Android device
    2. Open the app and tap the menu icon in the upper left-hand corner
    3. Tap Sign Up Today in the menu and follow the instructions on the page
    Great! No further action is required. Just download the Advancial Mobile App and enter the same username and password you use in cuAnywhere® Online Banking.
    1. Log in to cuAnywhere® Online Banking
    2. Select Manage > My Profile
    3. Click the pencil icon under Edit next to your existing username
    4. Choose Active in the dropdown next to Mobile Banking
    5. Click Save
    6. Select Manage > Mobile Maintenance to be sure that your device and user profile settings are also correct

    Application Process

    Yes, all are welcome to complete a loan application. If you are not currently an Advancial member, a Member Service Representative will contact you to discuss how you may be eligible for Advancial membership.  
    If you received an error message, your application may not have been processed. Please call our Member Service Center at 800.322.2709 or your local branch to verify that your application was received. 
    In most cases, a Member Service Representative will contact you within 24 hours or the first business day after your application is submitted. You may also call us at 800.322.2709 to expedite your application process.   
    Information or documents may include:
    • Social Security or Taxpayer Identification Number (TIN)
    • Date of birth
    • Address history for the past two years
    • Email address
    • Annual income and employment information
    • Paystub(s) for the current month for you and your co-applicant (if applicable)
    • Income/rents generated for any other property you own (such as rental property)

    Branch Locations & Hours

    Yes, Advancial is part of  the CO-OP Shared Branch Network that gives you access to 5,000+ credit union branch locations nationwide where you can perform most transactions like you would at an Advancial branch.
    Use our Co-op Shared Branch Locator to find the nearest location.
    Hours of operation may vary by location. To find the hours of your local branch, please visit our locations page.
    While Advancial observes most major holidays, branch closures may vary by location. For a complete list of closures, see our Holiday Schedule.
    Note: If your local branch is closed, you can still access your accounts 24/7 using cuAnywhere® Online Banking and the Advancial Mobile App.
    The CO-OP Shared Branch network is a national network of credit unions from all over the country that share facilities to give members access to 5,000+ locations to perform transactions, including deposits, withdrawals, loan payments, balance inquiries and transfers, just as if they were at their home credit union.

    Card Updater

    You can go to the merchant sites individually and change what card you have on file at any time.  
    Your information is protected in transport with multi-level end-to-end encryption (256-bit SSL/TLS)
    Within minutes of completing the card updating process, you will receive an email with the status of your merchant account updates. A successful update means the new card information is set as your preferred payment method at that site and you may shop, stream and pay as you please!   
    We've listed the top sites where you might want to update your card. If you don't see the site you would like to update, you may go to the site individually and update it manually.  
    Yes! End-to-end encryption means no one can access your sensitive information except for you. The security design exceeds Payment Card Industry Data Security Standard Services (PCI-DSS) requirements.  
    No, there is no fee for cardholders to update their cards 
    Check to make sure you provided the right login credentials, or you may go to the sites individually and update them manually.  
    Card Updater uses the login information you provide to log in securely to all of your selected sites to automatically and securely update your card information and set your card as the default payment method on the sites you choose.

    This safely and securely updates your preferred payment method on the selected sites, saving you time and energy from going to each individual site and entering your payment information.  
    Once you've completed the updates for your first card, you may start the process over again with your second card.   
    You will need to know your log in information for each merchant site to complete the update process.  
    None of your Personally Identifiable Information (PII) is stored during or upon completion of updating your information. Your sensitive information is securely and permanently discarded once it is placed on the merchant sites you have selected.  
    Your PII and Payment Card Industry Data Security Standards (PCI-DSS) information is NOT kept. The only information that is kept is audit records about what payment methods were placed on which sites, but no account numbers, security codes, addresses, etc. are kept after the update completes.  
    Check to make sure you provided the right login credentials, or you may go to the sites individually and update them manually.
    Card Updater is a secure tool that updates and replaces your old debit or credit cards on your online accounts with your new card - all in one step in one place.  
    Yes, the billing address given during the first step of the updating process will be updated on the sites you select along with the card number.  

    Checking Accounts

    All members receive one free box of checks per year.
    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.

    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 where funds are automatically transferred from your linked savings account to your checking about to cover overdrafts. 
    • NOTE: Federal regulations limit the number of certain types of withdrawals and transfers to savings to six per month.
    Check Clear Courtesy Overdraft Privilege 
    • A discretionary service that may cover overdrafts up to your courtesy overdraft limit.
    • You must be 18 years or older and have an account in good standing to be eligible to enroll.
    • Offers two levels of protection:
    1. Check Clear for Checks, ACH and Debit Card Transactions
    2. Check Clear for Checks and ACH Transactions Only
    • A $10 fee applies for each covered transaction, up to a maximum daily limit. 
    • 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. 
    Enrolling in these services is easy: 
    1. Log in to Online Banking
    2. Select Manage > Enrollments
    3. Click the green arrow next to Overdraft Transfer Protection or Courtesy Overdraft
    4. Select which account you’d like to enroll in the service and click Save
    You can also visit any branch or contact our Member Service Center at 800.322.2709 to enroll.

     

     

    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.
    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.
    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
    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.
    Click here to learn more our additional services.
     
    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
    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.

    Collateral Protection Insurance (CPI)

    Follow these steps to avoid CPI:
    1. Obtain insurance for your new vehicle from your agent.
    2. Ask your insurance agent to send a Declarations Page to Advancial at the address below. This document will usually have all of the necessary information needed to show proof of insurance coverage.
    3. Use the Insurance Verification Checklist below to ensure the documents you send have the necessary information.
    4. If you have a Break in Coverage, when your insurance policy cancels, you must gain new coverage within 30 days of the previous policy’s cancellation date.
    Mail to:
    Advancial Federal Credit Union
    Attn: Vehicle Insurance
    10000 N. Central Expy. 
    Ste. 1400
    Dallas, Texas 75231-2319  


    Insurance Verification Checklist:
    • Proof of full coverage (comprehensive and collision) with the Vehicle Identification Number (VIN)
    • Deductibles of $1,000.00 or less 
    • All borrowers listed on the loan should be named as drivers on the policy
    • Advancial listed as lienholder/loss payee
    Do not only send a copy of your liability card. A liability card does not contain the information needed to avoid CPI.
     
    If we do not receive proper proof of insurance, CPI is added to the loan. There is a flat rate of $65 per month, regardless of the member's loan balance. The loan payment is not increased, but the term of the loan could be extended depending on how many months CPI has been applied. If the address on file is current, the member will receive two letters and a policy in the mail before CPI is initially added to the loan. Two letters are subsequently mailed each month before the next monthly premium is added.  
    You must carry comprehensive and collision insurance with deductibles of $1,000.00 or less. Furthermore, Advancial must be listed as a lienholder on the policy.  
    CPI stands for Collateral Protection Insurance. If there is a loan associated with your vehicle, you are required to carry full coverage insurance in the event the vehicle is damaged. If proper proof of insurance is not provided within the allotted time period, a CPI premium may be applied to a member's loan balance.   
    Any loan that requires collateral. This includes, but is not limited to:
    • Vehicles
    • Motorcycles
    • RVs
    • Motorhomes
    • Boats
    • 5th Wheels
    • Travel trailers
    • Campers
    • Airplanes and aircrafts

    Credit Cards

    Yes, we offer a Savings Secured Visa® credit card that allows you to improve your credit history responsibly.  
    When on the Accounts Summary page in cuAnywhere® Online Banking, click on the credit card you’d like to check under the Credit Cards section.
    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 credit card PIN”. Please have your card available.
     
    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
    If you are a current member and already have a Visa Rewards Plus credit card, you can transfer your balance through cuAnywhere® Online Banking or the Advancial Mobile App.
     
    1. Log in to cuAnywhere Online Banking or the Advancial Mobile App
    2. Select the credit card in which you’d like to transfer your balance
    3. Select Account Actions
    4. Click on the Balance Transfer icon
    You can initiate a balance transfer through cuAnywhere Online Banking by going to Card Management > Balance Transfer.

    You can also fill out a balance transfer form at your local branch or by calling our Member Service Center at 800.322.2709.
     

    Deceased Members

    We understand that this may be a difficult time, and we want to make the process of transferring and closing accounts as smooth as possible. Please contact our Asset Management department directly at 972.201.1731. To initiate the process, you will need to provide the contact information of the Estate Executor or Administrator and a copy of the death certificate.

    Loans

    No, you do not need a savings account to apply for a loan. If your loan is approved, we will open a savings account for you during the loan process. You must make an initial $5 deposit into your savings account upon opening.
    Call 800.322.2709 to speak to a Member Service Representative to check the status of your loan application.  
    The payoff amounts will be listed in the Account Detail screen in cuAnywhere® Online Banking and the Advancial Mobile App for each loan.  
    You can make your loan payments through cuAnywhere® Online Banking and the Advancial Mobile App. You can also make a one-time payment online without having to log in.

    For cuAnywhere and the Advancial Mobile App:
    1. Log in to cuAnywhere Online Banking or the Advancial Mobile App
    2. Select Payments > Pay My Loan or Credit Card
    3. If making your payment using an external account, you can add that information under the Manage Payment Sources section
    4. Select whether you’d like to make you payment from an Advancial or external account and follow the provided steps
    5. If you’d like to set up recurring payments, select Monthly for the Payment Frequency option
    6. Click Submit
    To make a one-time payment:
    1. Go to advancial.org
    2. Select the round Pay button next to the cuAnywhere Online Banking log in on the home page
    3. Enter your account number and the last 4 digits of your Social Security Number.
    4. Select Continue
    5. Enter your payment details  
    If you pay off your auto loan, Advancial will release the lien on the vehicle with your state of residence. The state will then process that release of lien and send you the title between 4-6 weeks after your pay off date. Due to varying policies and procedures between each state, we can’t say for sure how long it will take for the title to be sent to you.
     
    If you trade in your vehicle and pay off your loan as a result, there’s nothing left for you to do! We’ll work with the dealer on everything else.
     
    If you are in an accident and the vehicle is paid off as a result of your insurance or GAP coverage, we’ll work with those respective companies directly.
     
    You may mail checks payable to:
    Advancial Federal Credit Union
    10000 N. Central Expy. 
    Ste. 1400
    Dallas, Texas 75231-2319  
     
    You must be a member of Advancial in order to finance your loan. The savings account is considered your membership account and provides you with full access to our products and services.

    Managing Your Accounts

    To keep your account from going dormant, you must make at least one transaction every six months.
    1. Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    2. Select Manage > My Profile
    3. Under My Info, select the Edit button for Address
    4. Once you have entered your new address, click Save or Submit
    One of our friendly Member Service Representatives would also be happy to assist you update this information at your local branch or by calling 800.322.2709.
    You’ll need to provide your payroll department with our ABA Routing and Transit number (311078857) as well as your Advancial account number. Your Advancial account number should consist of seven (7) or eight (8) digits - the first five (5) or six (6) digits are your account number and the next two (2) digits are the account type suffix. Click here for more detailed instructions on setting up direct deposit.
    1. Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    2. Select Manage > Enrollments
    3. For cuAnywhere, select the dropdown arrow next to Paperless Settings and choose Enroll me in Account eStatements
    4. For the Advancial Mobile App, select eStatements – Account and click Agree
    It typically takes 30 days for direct deposit funds to start depositing into your account.

    Membership and Account Opening

    Yes, you can apply online for any loan or mortgage at any time.
    Once you have opened a savings account, you will have access to cuAnywhere® Online Banking. Here, you can open or apply for other accounts and products.
    Visit joinadvancial.org to get started. Applying for membership online is fast, easy and secure. The process only takes about 10 minutes.

    You’ll need a state issued ID and a credit or debit card to fund the membership savings account. We only require a $5 initial deposit.

    Please note: You must be a U.S. citizen or permanent resident alien and at least 18 years of age to apply online.
    You can apply online, by mail or at your local Advancial branch.
    311078857
    Advancial is federally insured by The National Credit Union Administration (NCUA), which administers The National Credit Union Share Insurance Fund (NCUSIF). The NCUA, like its banking counterpart, the FDIC, assures Advancial members that their money is safe. Learn more about Share Insurance Coverage.
    Regular membership is for anyone over the age of 18. Money Musketeers membership is for children 12 and under. Dinero Teens membership is for anyone between the ages of 13 and 18.
    All employees of Advancial's select employer groups and their subsidiaries are eligible to join Advancial. This benefit is also open to their immediate family members. Additionally, you are eligible to join if you live, work, worship or attend school in one of these eight Louisiana parishes: Acadia, Avoyelles, Evangeline, Iberia, Lafayette, St. Landry, St. Martin or Vermillion. More information on how to apply for membership can be found here.

    Mobile Wallets

    When you complete a transaction using your Advancial debit or credit card with a digital payment platform:
    •    You don't give your physical card to anyone
    •    Your name, card number and security code stay private
    •    Your actual card numbers are not shared with retailers
    •    The retailer receives only a transaction-specific code, or "token," to process your payment
     
    1. Click on the Wallet app on your phone
    2. Tap the + icon
    3. Select Debit or Credit Card
    4. Add your card by taking a picture of it or entering the card details manually.
    You may need to complete a verification step as well.

    Please note: To ensure your enrollment goes smoothly, you should use the same contact information for your iTunes and Apple Pay accounts that you use for your Advancial Visa debit or credit card. If there is a discrepancy, it may delay your enrollment. If your phone number, email address or mailing address has changed but you have not yet updated that contact information in your Advancial or iTunes account, you should update the incorrect information before enrolling in Apple Pay.
    1.    Download Google Pay™ on your phone
    2.    Enter your phone number
    3.    Sign in with your Google account
    4.    Follow the instructions to secure your Google Pay app and add your Advancial Visa debit or credit card
    You may also need to complete a verification step.
     
    1.    Open Samsung Pay® on your phone
    2.    Sign in to your Samsung account
    3.    Set up a verification method for using Samsung Pay
    4.    Create a 4-digit Samsung Pay PIN
    5.    Follow the steps to add your Advancial Visa debit or credit card
    If the payment terminal is enabled for Apple Pay use, all you need to do is hold your phone up to the checkout terminal and use Touch or Face ID to confirm the transaction. 
    Please note: Although your iPhone screen will display a fingerprint image to prompt you to place your finger on the Touch ID sensor, that fingerprint image is a prompt only. To finalize your Apple Pay transaction, you must place your finger on the Touch ID sensor at the bottom of your phone, not on the fingerprint image on the screen.
     
    Google Pay is as convenient as it is secure. Google Pay never uses your actual card number. Instead, it uses a virtual account number so your actual card number stays safe.
    Samsung Pay transactions are authorized with your fingerprint, PIN or facial recognition and use a digital identifier instead of your card number. Even if your phone is compromised, the technology encrypts your card info within a separate, secure data vault.  
    Yes, there are many retailers that do not accept digital payment platforms, therefore you still need your physical cards.
    Apple Pay is the easy method for owners of Apple Touch or Face ID™ devices to pay for purchases. With Apple Pay, you can pay for in-store purchases at retailers equipped with contactless Near Field Communication (NFC) checkout terminals, and you can pay for online purchases within participating apps.
    To see a full list of stores accepting Apple Pay, click here.
    The cashier can use your device account number (DAN) to find your purchase and process the return, just like they would normally do with a physical debit or credit card payment. Give the cashier your device account number, which you can find by opening the Wallet app and clicking on the box icon in the top right corner of the screen next to the + icon. 

    If the cashier needs your card details to process the return, follow the same steps you use when making a payment. Hold your device near the reader, select your Advancial Visa debit or credit card and authorize the return with either Touch or Face ID. Please note that it could take several days for a return transaction to appear on your statement, depending on the return policies of the store.
     
    To see a full list of stores accepting Google Pay, click here.
    Samsung Pay makes paying with your phone easy. It works almost anywhere you can swipe or tap a card. To see a full list of Samsung Pay merchants, click here.

    Money Market

    You may close your money market account at any time without penalty. If you close your market before dividends are paid, you will not receive the accrued dividends. Dividends are paid monthly on the last day of the month.
    Your first three withdrawals/transfers of each calendar month are free. After that, each withdrawal/transfer after the first three during any calendar month is subject to a fee as disclosed in our Account Services & Fee Schedule. Withdrawals and transfers made at a non-Advancial ATM may incur an ATM surcharge fee imposed by the ATM owner/operator.
    Yes, you can make withdrawals and transfers at an ATM. Withdrawals and transfers at an Advancial ATM are free. Withdrawals and transfers made at a non-Advancial ATM may incur an ATM surcharge fee imposed by the ATM owner/operator.
    Please contact your local branch or our Member Service Center at 800.322.2709 for assistance in closing your account. Drawing your account balance to $0 does not close the account and your account may be subject to a monthly Inactive/Dormant Account fee as disclosed in the Account Services and Fee Schedule.
    Please contact your local branch or our Member Service Center at 800.322.2709 for assistance in closing your account. Drawing your account balance to $0 does not close the account and your account may be subject to a monthly Inactive/Dormant Account fee as disclosed in the Account Services and Fee Schedule.
    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
    Yes, these payments are considered pre-authorized automatic withdrawals (ACH/EFT) and count toward the federal Regulation D limited transactions. Any withdrawal attempted beyond the monthly federal Regulation D limit will not be honored.
    Yes, you can open a money market account with cuAnywhere® Online Banking or the Advancial Mobile App.
    1. Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    2. Select Accounts > Open New Account
    3. Select Money Market and follow the steps provided
    There is no minimum withdrawal amount on the money market account.
    A minimum daily balance of $2,500 is required. A minimum daily balance of $100,000 is required for a Premium Money Market account. If your balance falls below this amount, your balance may no longer earn dividends as disclosed in our Account Services & Fee Schedule.
    The following transactions are not subject to the Regulation D limits:
    • ATM withdrawals and transfers
    • Withdrawals and transfers made in person
    • Transfer requests received by mail
    • Transfers to pay an Advancial loan or credit card
    Any combination of the following transactions count toward the six (6) transfers and withdrawals limit per calendar month:
    1. Any transfer from your money market account to any other Advancial account that is made through the following services:
      • cuAnywhere® Online Banking
      • The Advancial Mobile App
      • Automated Telephone Banking Service
      • Overdraft transfers
      • Wires
      • Member Service Center
      • Fax
    2. Any pre-authorized automatic withdrawal (ACH/EFT) or any check to a third party.Transactions in excess of six (6) may be refused and may be subject to a fee as disclosed in the Account Services & Fee Schedule, or possibly another institution’s fee.  
    Our money market accounts do not feature automatic movement of your funds into different account types. Please contact your local branch or our Member Service Center at 800.322.2709 to request moving your funds and open a different account type.

    Mortgage & Home Loans

    No. Advancial Mortgage provides mortgages in all 50 states.  
    Closing costs can be rolled into refinanced mortgages only, provided you have the equity in the value of the property.  
    Applying for a mortgage before you find a home may be the best thing you could do! When you apply for your mortgage before you have a property to purchase, we will issue a pre-approval letter to assure real estate brokers and sellers that you are a qualified buyer. When you find the perfect home, call your Advancial Mortgage Loan Officer to complete your application. You’ll have the opportunity to lock in your rate and we’ll complete the loan processing.
    Different guidelines are established for non-citizens. Each loan type varies, and the documentation you can provide will determine which loan type will fit your scenario. It's best to contact an Advancial Mortgage Loan Officer to discuss your options.  
    As soon as we receive your appraisal, we will update your loan with the estimated value of the home. As a standard practice, we provide a copy of your appraisal at closing.
    Anyone can apply for a mortgage with Advancial. Should you decide to finance your mortgage with us, your loan officer will help you complete the documents to become an Advancial member in order to complete the loan process.
    No, you should contact Advancial to lock in your rate once a property has been identified.  
    To obtain a copy of your credit report, visit www.annualcreditreport.com or call 1.877.322.8228. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months. Reviewing your credit report prior to applying for a mortgage will give you the opportunity to identify and resolve any credit issues or discrepancies.
    If you make a down payment less than 20% of the purchase price, you are required to have mortgage insurance. Advancial works with several companies that can provide assistance in obtaining mortgage insurance.  
    Payment can be made on the Midwest Loan Services website (Advancial’s mortgage partner), cuAnywhere® Online Banking or by mail.
    If you are paying off your mortgage, please contact Midwest Loan Services at 800.262.6574 to request a payoff quote from a service representative.

    You can also log into your account on the Midwest Loan Services website and Select Payment > View Payoff Quote > Generate Quote. Fill out the required information and a payoff quote will be provided. 
    1. Log in to cuAnywhere Online Banking
    2. Select Bill Payer from the drop-down list on the main tab
    3. Click Add Payee and enter Midwest Loan Services in the search box and the payment address will be automatically selected
    4. In Payment Setup enter your Account Number, which is your Midwest Loan Services loan number, found on your account statements from Midwest Loan Services
    5. Use the drop-down box to select Mortgage as the Category
    6. Click Confirm
    Monthly payments can be automated by entering the appropriate information for your loan.
    Advancial extends a mortgage based on the appraised value of the home or the purchase price, whichever is less.  
    Our goal is to have your loan ready for closing as soon as possible. Generally, we can close your loan within 30 – 45 days. However, if there are delays in submitting the required documentation, or there is a problem with your title work or appraisal, the process may take longer.
    Closing costs may include fees for an appraisal, title insurance, a property survey and points. Closing costs vary depending on the loan product and the fees that are customary in your area. You will receive a good faith estimate of your closing costs in advance of your closing date.
    Points are a one-time fee that the borrower pays to lower the interest rate. One point equals one percent of your loan amount.
    When applying for a mortgage, you’ll need information regarding your employment, income, assets, debts and the prospective property you intend to purchase. Other information may be needed depending on your situation. For more information, please refer to our Application Checklist.
    Advancial requires an appraisal on most transactions. If the appraiser recommends repairs or if repairs are mentioned in the contract, Advancial requires that those repairs be done before closing. The appraiser will then perform a final inspection to assure that the repairs were completed.
    Mortgage insurance, also known as PMI, is insurance that protects the lender from losses when a mortgage with a low down payment defaults. A low down payment is usually defined as less than 20% of the purchase price or appraised value, whichever is less.  
    This is the principal, interest, taxes and insurance payment on your mortgage.  
    The interest rate is the cost to borrow the money disbursed in the loan. The Annual Percentage Rate (APR) is the total cost of the loan over its life, including costs, fees and points.  
    We accept down payments as low as 3%. Higher down payments may be required based on your specific situation.
    There are mortgage programs available for virtually every situation. It is best to call an Advancial Mortgage Loan Officer for more information.  
    An Advancial Mortgage Loan Officer will provide you with your rate lock options once you have submitted your application. Typically, rate locks last for a period of 60 days.  
    Please mail to:
    Midwest Loan Services
    P.O. Box 188
    Houghton, MI 49931-0188
     
    If you have any questions contact Advancial Mortgage at loans@advancialmortgage.com or call 1.888.876.2328.
    Advancial processes, closes and funds your loan. In some cases, the servicing, or the collecting of payments, of your loan may be sold to another lender. This is done to allow us to obtain the best possible rate for our members. This in no way changes any terms or conditions of your loan. By law, once your loan closes, the terms and conditions cannot be changed.
    Unlike many lenders, Advancial does not charge an application fee.  

    Mylo Insurance Solutions

    No, you are free to shop for your insurance anywhere.
    It’s truly up to you, and you are free to shop for your insurance anywhere. Mylo has a trusted reputation because Mylo brings 50+ years of insurance expertise connecting people to the right coverage from trusted carriers. At the very least, you can see what they offer and make your own decision.
    Mylo is a third-party insurance broker, and is not affiliated with Advancial. Mylo can provide multiple insurance quotes for you, but you are free to shop your insurance with anyone.
    Within 10 minutes of submitting your information, a Mylo agent will collect the information needed to get multiple quotes and contact you.
    Yes, you have the option to use this service as a resource to shop multiple insurance quotes and see if you can find a better combination of coverage and price than you have now. You can visit Mylo’s website at ChooseMylo.com/Advancial or call them at 844-824-3036.
    Mylo is a third-party insurance broker; they specialize in shopping multiple carriers for you to find affordable coverage that fits your needs. Mylo brings 50+ years of insurance expertise connecting people to the right coverage from trusted carriers.
    Mylo is a third-party insurance broker that we are introducing to you as a resource to help you find potential insurance value. Of course, you are free to shop for your insurance anywhere. Just so you have some background on Mylo: Mylo brings 50+ years of insurance expertise connecting people to the right coverage from trusted carriers.

    Online Banking

    Yes, simply log in to your cuAnywhere® Online Banking account to view credit card information or make a credit card payment in the Payments tab. You can make a credit card payment through an account transfer or use an external payment source.
    Yes, with our Bill Payer service, you can set up vendors to pay each month. Bill Payer service will be deactivated automatically after three consecutive months of inactivity.
    Yes, including the same Security Checkpoint information.
    1. Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    2. Select Manage > My Profile
    3. Click Change Password.
    1. Log in to cuAnywhere® Online Banking
    2. Select the account in which you’d like to download/print your account history from
    3. Click Date Range under the History Actions section and select your desired date range
    4. Once you’ve chosen your date range, click Download under the History Actions section
    5. On the pop-up window, choose the format in which you’d like the file to be downloaded or printed, then choose Download or Print
    1. Log in to cuAnywhere® Online Banking
    2. Select Move Money > Make a Deposit
    3. After reading the Remote Deposit Agreement, click Agree
    4. You’ll receive an email notification within the next business day regarding your remote deposit approval status
    1. Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    2. Select Manage > Enrollments
    3. For cuAnywhere, select the dropdown arrow next to Save Up and check Enroll me in Save Up, then choose which account you'd like to enroll. Select Save.
    4. For the Advancial mobile app, select Save Up and select Enroll me in Save Up, then choose the account in which you’d like to enroll. Select Save.
    1. Log in to cuAnywhere® Online Banking
    2. Select Manage > My Profile
    3. Answer the security question
    4. Select Security Checkpoint
    5. Here you can change the questions and/or answers to your security questions
    6. Below the questions, you have the option to turn them off 
    7. Below that, you can set how many questions are asked upon logging in
    8. Press Save
    1. Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    2. Select the Manage tab > Enrollments
    3. For cuAnywhere, select the dropdown arrow next to Paperless Settings and choose Enroll me in Account eStatements
    4. For the Advancial mobile app, select eStatements – Account and click Agree
    1. Click here to go to the Registration Page
    2. Enter the information and click Next
    3. Select where to send your verification code and click Send Code
    4. Enter the code and click Next
    5. Read and agree to the cuAnywhere Agreement and Disclosure
    6. Fill out the information under New User Registration and click Next
    7. Set your security questions and click Next
    8. You will be automatically redirected to a confirmation page
    Log in to cuAnywhere® Online Banking or the Advancial Mobile App
    Select Move Money > Make a Transfer
    Select the accounts you want to make a transfer to and from
    Fill in the execution date, amount, frequency and an optional description, then click Submit
    For wires through cuAnywhere® Online Banking:
    1. Log in to cuAnywhere Online Banking
    2. Select Move Money > Send or Receive a Wire
    3. Follow the prompts for either Incoming Wire or Outgoing Wire
    For wires through the Advancial Mobile App:
    1. Log in to the Advancial Mobile App
    2. Select Move Money > Transfers
    3. Select Send/Receive Wire
    4. Select whether you want to perform a domestic or international wire and follow the prompts
    Check out our Domestic Wire Transfer How-To Guide or our International Wire Transfer How-To Guide which provide step-by-step instructions with pictures on how to perform wire transfers.
    You may also visit your local branch or call our Member Service Center at 800.322.2709 to use this service.
     
    cuAnywhere® Online Banking transactions are processed immediately. Our Funds Availability Policy may apply.
    Yes, if you enter an incorrect password five times, your account will be blocked from cuAnywhere® Online Banking. Click on the Forgot Password link to proceed with resetting your password following a lockout. A password reset link will be sent to your email address on file.
    If your password is not working, click on the Forgot Password link to reset your password. If you continue to have issues, contact our Member Service Center at 800.322.2709.
    Here is a list of some of the things you can accomplish with cuAnywhere® Online Banking:
    • Review balances and transactions for each of your accounts
    • Transfer money between accounts
    • Send or receive wire transfers
    • Pay bills
    • Set travel notifications 
    • Apply for a loan
    • Open an account
    • Edit your profile information
    For more features and information about cuAnywhere Online Banking, click here.
     
    cuAnywhere Online Banking is Advancial’s secure online banking portal that members can use to view account information, perform transactions, make payments and more. Advancial members around the world have the convenience to perform their Advancial account transactions online 24 hours a day, 7 days a week, 365 days a year.
    If your email address is not on file with us, you will not be able to sign up for cuAnywhere Online Banking without providing it first. This is because we use two-factor authentication to keep your account safe and secure. Please call our Member Service Center to update your email and for further assistance with signing up for cuAnywhere® Online Banking.

    Remote Deposit

    To use remote deposit on your computer:
    1. Log in to cuAnywhere® Online Banking
    2. Select Move Money > Make a Deposit
    3. Click Start a Deposit
    4. Enter the amount of the check you’d like to deposit
    5. Select the account in which to deposit the funds
    6. Upload a photo of the front and back of the check according to the steps and requirements provided
    7. Click on Review and then Submit Deposit
    To use remote deposit on your phone:
    1. Log in to the Advancial Mobile App
    2. Select Move Money > Mobile Deposit
    3. Click Deposit Check
    4. Select the account in which to deposit the funds
    5. Enter the dollar amount of the check.
    6. Tap Front to take a photo of the front of the check
    7. Place the check on a flat, uniform, dark surface. Hold the camera directly above the check, and make sure it is within the white lines on the screen. Now tap the white circle icon in the corner. You should now see your photo within one of the boxes on the screen.
    8. Tap Back to take a photo and the back of the check and follow the same instructions from above.
    9. If you would like to delete one of the photos and take it again, swipe right in that box
    10. Select Save Images
    11. Click Submit Deposit
    If you are having trouble, try tightly cropping the check image.
     
    Remote deposit is a convenient and free way to deposit checks to your account using your phone or a computer scanner. This service enables you to deposit checks from the comfort of your home without a trip to the branch or the delays of mail.
    Items received before the cut off time of 2:30 p.m. Central Standard Time, Monday through Friday, excluding holidays, will be processed on the same business day. All items deposited using remote deposit are subject to Advancial’s Funds Availability Policy as outlined in the Membership and Account Agreement.

    Reward Points

    Yes, your points are automatically combined so you can earn rewards even faster.  
    Yes, you must have at least one qualifying activity on your account every 12 months to maintain your status and keep your points.
    Visit Advancial Rewards to see all of the exciting ways in which you can redeem your reward points. Your options include cash back, gift cards, travel, merchandise and so much more!

    Plus, you can get even more out of your points when you shop at local and national merchants through Ampre Rewards in the form of cash back on purchases and even up to 20 points for every $1 you spend!
     
    You can view your balance through cuAnywhere® Online Banking or the Advancial Mobile App by clicking one of the account names to open the Account Details section.
    You’ll earn unlimited reward points every time you use your Advancial debit or credit card.

    Our Visa debit card earns rewards at a rate of one point for every $5 spent.

    Credit card rewards are earned at a rate of one point for every $1 spent when you spend less than $2,500 or make less than 25 purchases during your billing cycle. When you make 25 or more purchases or spend $2,500+ on your credit card during your billing cycle, you’ll earn 1.5 points for every $1 spent. on all purchases during that billing cycle.
     

    Save UpSM and Save Up for Good

    Yes, donations are tax-deductible. A form will be generated automatically and will be available in cuAnywhere in the first quarter following the donation year.
    Yes! You can enroll in both Save Up and Save Up for Good on one account. The same rounded-up amount will be transferred twice – once to your savings account of choice for Save Up, and once to the all-member contribution account.
    To register for Save Up or Save Up for Good, log in to cuAnywhere® Online Banking and select Enrollments under the Manage tab.
    Advancial matches 100% of your Save Up transactions for the first 30 days and 5% after that, up to $200 per year.
    Yes! Advancial is donating $5,000 in January to kick everything off and will match every $1,000 donated by members up to $30,000!

    Savings Accounts

    Yes, we created the Money Musketeers Program to educate children under the age of 12 about the importance of saving.

    We also offer the Dinero Teens Program for ages 13-18, which includes a savings account, checking account and the opportunity to apply for a Dinero Visa® at age 16. An adult is required to be a joint owner of the Dinero Visa.  
     
    Visit your local branch or call our Member Service Center at 800.322.2709 to request an ATM card.
    You can make up to six (6) withdrawals on your savings account per month. Note: Transferring money from your savings to a checking account will count as one of the six transactions.
    An ATM card allows you to withdraw funds from your savings account at an ATM. However, it cannot be used to make purchases.
    The minimum balance is $5. The minimum balance to earn dividends is $100.
    • Withdrawals or transfers made at the ATM
    • Transactions made in person at a branch
    Savings withdrawals are governed by Regulation D, a rule established by the Federal Reserve. This regulation states exactly how many withdrawal transactions can be made on each type of savings account.

    Trust Accounts

    Yes, if the primary member grantor is deceased, the trust must be closed within 12 months of discovery. If any event causes the trust to change from revocable to irrevocable, it must be closed. If a member wants to convert a trust account to a personal account, the trust account must be closed and a new account opened.
    No. Advancial only acts as a custodian, not a trustee.
    Advancial offers only revocable family or living trusts. We do not offer complex trusts, entity-owned trusts, business trusts, or irrevocable trusts. Sub-trusts are offered as long as they meet qualifications.
    footer wave background