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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.

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.

 

 

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 Up^SM 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.