A man looks at his AOCU mobile banking app.

Digital Banking

It's the anytime, anywhere way to take care of financial matters

Use your computer or phone to connect with your accounts.

Jobs, families, hobbies and volunteer work - with everything you have on your schedule, it's not easy to find time to stop at an Advantage One branch. Not to worry, we provide a number of ways for our members to check balances, transfer funds, make deposits and do a good deal more whenever they have a few minutes to spare. 
 
 
 
 
Computers make it easy to connect with friends, shop for good deals and find out what's going on in the world. Your laptop and desktop are also excellent ways to stay in touch with your Advantage One accounts. Online Banking provides you with free1 access any hour of the day or night.
 
  • Check account balances and review past transactions
  • View cleared check copies
  • Transfer money between your Advantage One accounts and with other financial institutions
  • Make loan and credit card payments
  • Make payments and set up payees with Online Bill Pay
  • Access your Advantage One Visa® account balance summary
  • Check your Rewards and redeem points
  • Create custom email and text alerts based on account activity
  • Check your credit score for free with Credit Sense
  • Enroll Today
 
 
 
Do you prefer using a smartphone or tablet instead of a home or office computer? Our free1 Mobile Web Banking service is safe and secure and provides you with most of the features you have available through Online Banking without having to download our Mobile App.
 
  • View account activity
  • Transfer money between accounts
  • View check images
  • Make loan payments
  • View maps of branch locations and locate fee-free ATMs
  • Get in touch with the Member Contact Center
 
 
 
Whether you're on the job, doing some shopping or socializing with friends, Advantage One’s free1 Mobile Banking App gives you 24/7 access to your accounts with your tablet, smartphone or other smart device.
 
  • View your account summary, including account balances and transaction history
  • Easily transfer funds between your AOCU accounts
    Make payments and set up payees with Online Bill Pay
  • Deposit checks remotely using your mobile device’s camera
  • Pay other people with Popmoney® personal payment service
  • Access your Visa account balance and recent transactions
  • View maps of branch locations or locate a fee-free ATM near you
  • Get in touch with the Member Contact Center
Available on the App Store
Android app on Google Play
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S.. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc.Standard data charges from your mobile carrier may apply.
Anywhere Deposit makes depositing most checks as easy as snapping a few photos with your mobile device. This free1 , secure process gives you faster access to your funds. To get started: Log into your accounts through the Advantage One Mobile App using your existing Online Banking ID and password.
 
  • Look for the "Mobile Deposit" command on the main menu
  • Select "Make a Mobile Deposit"
  • Select an account that you’re depositing to
  • Enter the check amount
  • Take a picture of both sides of your endorsed check with your mobile device's camera, following the on-screen instructions. Make sure the back is endorsed with “For AOCU Mobile Deposit Only.”
  • Check the deposit information on the screen for accuracy
  • Click the "Make Deposit" button
  • We’ll confirm that the check is being processed and that your deposit was successful
    Please retain your check for 60 days, as check images are not saved on your device
 
 
 
Please Note: This service is for pre-existing, registered users only - No new registrations are allowed at this time.

Let your fast fingers help you sort out your finances. Free1 Text Banking allows you to check your balances quickly and securely from your mobile phone. Get started by visiting the registration site with your mobile phone. To receive texts, you’ll need to enter your cell phone number, the “@” sign, and then the extension of your wireless carrier. Refer to the list below for the extensions of many popular carriers:
If your provider is not listed above, you can simply send a text message to your email account and your phone's email address will appear as the sender of that message (i.e. 7346767000@vtext.com).
 
After your device has been registered:
  • Text commands below to 21443
  • A1 bal: Receive account balances
  • A1 hist: View last three transactions
  • A1 cmd: List of all commands
  • A1 help: Additional service information
  • A1 stop: Disable all text alerts
 
 
 
SMART is Advantage One's user-friendly service that provides you with automated access to your accounts and our office hours and locations. Call 734-675-8200, enter your account number and PIN,  and the SMART voice will guide you through all of your transactions.

  • Transfer funds
  • Make loan payments
  • Verify that checks have cleared
  • Access year-to-date dividend and interest figures
  • Obtain credit union hours and locations
  • Apply for a SMART PIN by calling 734-676-7000 and speaking to a Contact Center Representative
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Advantage One CU is a credit union serving members in Michigan and across the country.
 
1AOCU does not charge a fee for this service, however, third party data and/or text messaging rates may apply.
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MEMBER REFERRAL

$100 is calling you...and them. 
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SAVINGS

Start building their future, today. 
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VISA REWARDS 

Where will your rewards take you?