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Online Banking
Frequently Asked Questions

Getting Started

Why would I use online banking?
In this advanced age of technology where everyone is pressed for time, the better question may be: "Why wouldn't I use online banking?" There are so many benefits to handling your finances online including: getting up-to-the-minute account information and current rates, instantly transferring money between accounts, setting up recurring transfers and notifications, advancing line of credit funds and making loan payments. Our online banking goes the extra mile by offering all these benefits plus a more unique experience thanks to special features. For example, not only can you track your finances, but you can set financial goals pertaining to specific accounts and watch your progress. You can set up alerts notifying you if your balance goes below a certain level or if certain activity like a deposit or large withdrawal has been made to your account. Plus, once you're an online banking user, you have access to online bill pay, e-Statements, mobile banking, mobile deposit and Money Manager.
Does it cost to use online banking?
No, online banking is a free service. Actually, online banking is designed to help you save money, time and paper by giving you an option to pay your bills and receive your statements online.
How do I enroll in online banking?
Enrolling is easy. Simply click "sign up" under the online banking sign-in area, located on our homepage at avadiancu.com, or go directly to our sign-up page here.
What information do I need to enroll?
You will need to enter your account number, the last four digits of the primary account holder's social security number and your date of birth. You will then be prompted to set up a username, password, security questions, a security phrase, and a security image.
What is the purpose of setting up security questions, a security phrase and a security image?
You will see your image and phrase every time you sign in, so you know you are on our official, secured site. You will also be asked one of your security questions with every sign in to verify you are the correct user. It's all part of providing you with the utmost protection for your online account.
When can I start using online banking?
As soon as you sign up!
How does online banking work if I have more than one account number?
If you have more than one account, you will be required to have more than one username. You will have to sign up for each account number.
Can joint owners on my account use online banking?
The only way joint owners on your account can use online banking is if you give them your sign-in information to access the account. We do not give out separate usernames for the same account. For your protection, we highly recommend never sharing your sign-in information with anyone.
Is online banking secure?
Yes, online banking is secure. In fact, our system employs multiple layers of security, which means your online banking account information and transactions are safe and private. Learn more about our security questions and features here. View our online privacy statement here.
When is online banking available?
The beauty of online banking is it's available 24 hours a day, 7 days a week. There are a few times throughout the year when we have to conduct system maintenance. It usually occurs during low peak hours, and we give ample notification before it occurs.
Will my information be updated throughout the day?
If you purchase items on your debit card using your PIN or make a transaction at a branch, you will be able to view those transactions as soon as you sign-in to online banking. Transactions that have already processed will show up in your transaction history. To access your transaction history, simply click the account name, i.e. Choice Checking.

To view your pending transactions, click "Holds & Pending Transactions" on your Account Summary page. Your available balance will reflect processed and pending transactions. If you pay a bill online, it will not show up until it has been processed. Typically it shows up at the end of the day you scheduled your payment to be sent to your payee.
Does online banking work with personal financial management programs?
Yes, it works with Quicken™ and QuickBooks™. To download your history, click "Options" on your Account Summary page. From there, you can either select "Download to Quicken™" or "Download to QuickBooks™". Please note: We do not offer technical support for either of these programs.

Account Access

What accounts can I access via online banking?
You can access your deposit accounts, loans and credit cards. You can view all of your accounts on your Account Summary page which appears when you first sign in. For an easy, quick glance, we have grouped your accounts/activity for this page into groups: "Deposit Accounts", "Loans and Credit Cards" and "Holds & Pending Transactions". To view transaction history of each account within a category, click the name of the account you want to view, i.e. Choice Checking.
What do the icons mean on my Account Summary page?
Next to each account listed on your Account Summary page, you will find the following "Action" icons:
  1. Notepad/Pencil - This allows you to edit your account. You can set it as a "Favorite", add goals, include it in your reports or add notes.
  2. Star - Mark your account as a "Favorite". If you have many accounts, you can choose to only show your favorite accounts on the Account Summary page.
  3. Envelope - Have a question about your account? Send a message to our Member Service team. Your account information is already included in the message, making it easier and faster for you to send.
Above the list of your accounts on the Account Summary page, you will also see the following links/icons:
  1. Options - This is where you can choose to show only your "Favorite" accounts as well as download your account information into the personal financial programs - Quicken™ and QuickBooks™.
  2. Edit Accounts - View which of your accounts are marked as "Favorites" and included in your reports. You can also set goals on this page.
  3. Holds & Pending Transactions - View transactions that have been posted to your account, but have not yet cleared. Checks deposited from home or signature credit/debit card purchases are examples of hold transactions.

    Also view transactions that will be posted to your account as of the Settlement Date. Direct deposit transactions are examples of pending ACH transactions.
  4. Box - This icon allows you to quickly auto-categorize your transactions. Categories allow you to track your spending by various expense and income categories. For example, Categories allow you to see how much you are spending on Dining Out, Groceries, or Automobile expenses. In addition, Categories allow you to set up a budget (under the "Reports" tab) for each category, allowing you to see how your spending compares to your budget goals.

    Many transactions will be automatically placed into Categories. In general, credit card and debit card transactions are most likely to be auto-categorized, mainly because these transactions have the best descriptions. Auto-categorization works by comparing the transaction description and memo to the list of rules defined for each Category. For example, if a transaction has the word "Starbucks" in the description, this will match the rule "Starbucks" in the Dining Out Category. You can enhance the list of rules for each Category simply by editing that Category and changing the list of rules.
  5. Question Mark - Access our Help menu, where you can find descriptions of features and tools in our online banking as well as a link to frequently asked questions.
What are "Holds & Pending Transactions"?
These are transactions that have been posted to your account, but have not yet cleared. Checks deposited from home or signature credit/debit card purchases are examples of hold transactions. Direct deposit transactions are examples of pending ACH transactions.
What does "Available" versus "Balance" mean on the Account Summary page?
For deposits: "Available" gives you the amount in your account and includes any unposted debit transactions; it is the actual dollar amount you may access or use. "Balance" reflects only processed transactions and any checks you may have on hold. There may still be pending transactions which you can view under "Holds & Pending Transactions".

For loans: "Available" shows the amount you can still borrow if it's a line of credit. "Balance" reflects total amount currently owed.
How can I access my account history?
The easiest way to view your history is by clicking the name of your account on your Account Summary page. You will be taken to the Transaction History page for that account. From there, you can sort your transactions by description, date, category, merchant, or amount. You can also edit your transactions by flagging them based on importance as well as send a message to our Member Service team regarding a transaction.

You can view your total transaction history for all accounts by going to the "Account Info" tab in the navigation bar and selecting "Transactions".
How long is online banking history kept?
We will keep a maximum of 12 months history online.
Can I view a copy of a processed check (a check that has cleared my account)?
Yes. Under "Account Info" in the navigation bar at the top of your Account Summary page, you will find "Check Services". From there, you can select to view "Checks Cleared".

You can also simply search "Checks" in the search box at the top of your Account Summary page.
How can I change my username and password?
To change your username and password, simply click "My Profile" at the top of any page. From there, you can click "More Details" or select the option of what you want to change from a menu on the right side of the page. (Please note, we will never ask you for your username or password or to even reset it in an email, text or phone call.)
What if I forget my username or password?
At sign-in, click "Forgot Username" or "Forgot Password" and proceed with the instructions that follow.
How can I change my security information, i.e. questions, phrase and image?
Click "My Profile" at the top of any page and then click "More Details".
How can I edit my personal information, like my email address or home address, if it has changed?
To change any of your personal information, simply click "My Profile" at the top of any page.

You can also click "Change Contact Information", located on the right side of your Account Summary page.
How can I add my personal information, like an email address?
Click "My Profile" at the top of any page or click "Change Contact Information", located on the right side of your Account Summary page.
How can I make a loan payment?

You can make or schedule a loan payment from the "Loans" tab in the navigation bar.

You can also click on the name of the loan you wish to make a payment toward on the Account Summary page. On the top of your loan page, click the link "Make Payment".

Note: Once on the page to set up your payment, you will have the option to set your payment to be recurring, so you don't have to remember every month.

How can I make a loan advance?
Select "Loan Advance" under the "Loans" tab in the navigation bar at the top of the Account Summary page.
How can I access online bill payment?
Click "Bill Pay" in the navigation bar at the top of your Account Summary page. You must sign up to be an online banking Bill Pay user. If you are not currently a Bill Pay user, a screen will appear asking you to enroll. Learn more about signing up and view other frequently asked questions regarding online bill payment.
How can I access e-Statements (online statements)?
Scroll over the "e-Documents" tab in the navigation bar on your Account Summary page. Click "e-Statements" in the menu.
  1. If you are a current e-Statement user, you will be directed to a screen that allows you to select which month and year for the e-Statement you would like to view. You are also given the option to view other important e-Documents as well as update your email address if necessary.
  2. If you do not have e-Statements, you will be directed to a screen that will prompt you to begin the sign-up process. Please click "Register" and follow the steps to complete your e-Statement registration.
View other frequently asked questions about e-Statements.
If I am having trouble accessing my account online, what should I do?
Contact Member Service at 1.888.AVADIAN (1.888.282.3426).

Transfers

How do I set up a transfer?
Go to the "Transfers" tab in the navigation bar. You can select to make an internal transfer or an external transfer.

Internal transfers allow you to transfer money within your Avadian accounts as well as between other Avadian members. Once on the Internal Transfer screen, you can enter which Avadian accounts you want to transfer between, the amount of the transfer and the frequency of it. Note: You can transfer to another member's deposit accounts but you CANNOT transfer to another member's loan.

External transfers allow you to transfer money in and out of your Avadian account with other financial institutions. Once on the External Transfer screen, you can enter which accounts you want to transfer between, the amount of the transfer and the frequency. Note: There is a $2500 limit in and a $2500 limit out per day. You cannot pay another financial institution's loan directly from Avadian. You will need to transfer to a deposit account at your other financial institution, and then transfer the loan payment. You can only make a transfer to and from financial institutions within the U.S.

How do I set up an external account?
Go to the "Transfers" tab in the navigation bar and select "External Transfer". You will go to a screen titled "External Accounts". From there you can "add" or "set up" an external account. You will need to enter the other financial institution's routing/transit number and your account number. You will also need to select the account type. Once you enter in all of your information, you will hit "Save". We will then send two micro-deposits to your external account to verify it's set up correctly. Once you see those amounts hit your other account, you will need to revisit your External Accounts page to verify them.
How do I create a recurring transfer?
When you set up a transfer, you will be given a menu of options to list the frequency of the transfer.
How do I check the status of a transfer?
View "Scheduled Transfers" under the "Transfer" menu to see all the transfers you currently have set up. Same-day transfers between Avadian accounts are immediately made available and reflected in your transaction history for those specific accounts. Please allow 3 - 5 days for external transfers to process.
How do I change or cancel a recurring transfer?
View "Scheduled Transfers" under the "Transfer" menu to see all the transfers you currently have set up. Find the transfer you wish to change or cancel. Next to it, you'll see the "Edit" and "Delete" icons. Choose "Edit" to make changes. Choose "Delete" to cancel it.
Can I delete a same-day transfer or reverse one?
Since same-day transfers are immediately reflected in your available balance, you are unable to cancel a same-day transfer. If you entered the wrong amount or no longer want the funds transferred, you will need to enter another transfer for the same amount from the account that received the transfer. If you made a transfer to a loan, you will need to contact Member Service to reverse it.
Can I make an Avadian loan payment using the transfer feature?
Yes, as long as your loan account number shows up in the "transfer to" dropdown box. If it's not listed as an option, contact Member Service for assistance. Once set up, follow the same steps in creating a regular transfer.
Can I make a transfer to another Avadian account number?
Yes, as long as the other account number shows up in the "transfer to" dropdown box. If not, you can select the option to link to another member's checking or savings account. You will need their last name and account number to set it up.
Can I make a transfer to another financial institution?
Yes. Simply select "External Transfer" in the "Transfer" menu and follow the steps to set up your external accounts and transfers.
Are there transfer limitations?
Under Regulation D, a savings account is only permitted to have up to six preauthorized or automatic withdrawals, telephone transfers, or transfers initiated by personal computer to another account at the same credit union or to a third party during a calendar month (defined as a period of at least four weeks). Not counted against this six monthly transfer limit are those transfers that the member makes in person, at an automated teller machine (ATM), by mail, by messenger or by a telephone call that results in a share draft or check being mailed a member. ACH debits to an account constitute preauthorized transfers; however, unlimited ACH credits or any other types of transfer of funds into the account may be made. In addition, there is a $500 limit in and a $2500 limit out per day for external transfers.

Card Services

How can I access my credit card account through online banking?
Your Avadian credit card information is located under "Loans and Credit Cards" on your Account Summary page.
How can I make a payment on my credit card?
Simply click "Make Payment" listed under your credit card on the Account Summary page or go to the Transaction History page for your credit card and select "Make Payment" at the top of the page by your account details.
Can I set up alerts on my credit card account via online banking?
Yes. You can set up alerts for your credit card like you do your other accounts. See our Alert FAQs for more details.
Can I activate my debit card or credit card via online banking?
Yes. Under the "Account Info" tab on the navigation bar, click on "Card Services". On this screen, you will see a dropdown menu listing all of your current Avadian cards. Select the card you wish to activate. In the next dropdown, select the option to "Activate this Card".
Can I block my debit card or credit card via online banking?
Yes. Under the "Account Info" tab on the navigation bar, click on "Card Services". On this screen, you will see a dropdown menu listing all of your current Avadian cards. Select the card you wish to block. In the next dropdown, select the option to "Block this Card". This allows you to permanently block all access to your card. Once you select this option, you are given the opportunity to request a new card to be issued to you. Note: All debit or credit cards with that card number will be blocked.
What does "Freeze this Card" mean?
This allows you to temporarily block all access to your card until you return to this page or contact us to turn the "freeze" off. Note, when you select this option, your card will not work for any automatic drafts or payments you have set up with it, i.e. monthly gym membership dues, your PayPal account, your Amazon account, etc. It will only resume working when you lift the "freeze". Note: All debit or credit cards with that card number will be frozen.
How do I "freeze" a card?
Under the "Account Info" tab on the navigation bar, click on "Card Services". On this screen, you will see a dropdown menu listing all of your current Avadian cards. Select the card you wish to "freeze". In the next dropdown, select the option to "Freeze this Card". Note: All debit or credit cards with that card number will be frozen.
How do I "unfreeze" a card?
You will need to return to the same screen where you placed a "Freeze" on your card. Select "unfreeze" your card. You can also contact Member Service.
If I "freeze" or "block" a card, will all cards on that account be frozen or blocked?
Yes. All debit or credit cards with that card number will be frozen or blocked.
I'm a Rewards card member. How can I view my Rewards points?
Simply click on the Rewards card you wish to view on your Account Summary page. This will take you to your transaction page. You will see your Rewards points listed at the top of this page. You can also contact the VISA® Rewards Redemption Center at 1.877.909.1450.
Whom should I contact if I have a question regarding my credit card?
If you need to report a lost or stolen Avadian credit card, call 1.800.682.6075 or if outside the U.S. and Canada, call 206.352.3482 (collect). You can also visit www.reportmycards.com.

If you are a Rewards card member and want to speak to someone about your reward points, contact the VISA® Rewards Redemption Center at 1.877.909.1450.

If you are having problems with your card being declined, contact Declined Transaction Response Services at 1.888.526.0404 or if outside the U.S. and Canada, call 206.352.4954 (collect).

For all other questions, contact Member Service at 1.888.AVADIAN (1.888.282.3426).

Online Bill Pay

Why would I use online bill pay?
On average, most people pay 8-10 bills per month, costing several dollars in postage, not to mention the money spent on checks and gas to the post office. You can eliminate all of these costs with Online Bill Payment. (Use our Online Bill Payment Savings Calculator to figure out how much money you could save.) By going paperless, you are also helping the environment by reducing solid waste, saving trees and decreasing carbon dioxide emission. And because it is so convenient and easy to use, it's a quick, secure way to pay your bills on time, every time.
What is the fee for online bill pay?
Online Bill Payment is a FREE service offered to Avadian members. In fact, like we mentioned above, this service may actually save you money and time. It eliminates the expense of postage, gas and more importantly your time.
How can I access online bill pay?
Click "Bill Pay" in the navigation bar at the top of your Account Summary page. You must sign up to be an online banking bill pay user. If you are not currently a bill pay user, a screen will appear asking you to enroll.
How do I sign up for Online Bill Payment?
Signing up is easy. Simply click here for a detailed guide on how to become an Avadian bill pay user. Follow the steps and start enjoying all the benefits of bill pay. You must be an online banking user to apply for online bill pay.
When can I start using online bill pay?
You will have access to our bill payment service upon registration. Once you're set up on Bill Pay, you can begin scheduling your payments online immediately.
What bills can I pay through online bill pay?
You can pay practically anyone using online bill pay - credit cards, utilities, auto loans, even your doctor or daycare center. You can even send payment to an individual person as long as they have an email address and a bank or credit union account in the U.S. There are however organizations that will not accept payments via Bill Payment, such as the IRS and other taxing entities.
When is online bill pay available?
Online bill pay is available 24 hours a day, 365 days a week. Payments scheduled on a Saturday, Sunday or holiday will be debited from the account within one to three business days.
What is the cutoff time if I want to schedule a payment to be sent the same day?
You have until 2:00 p.m. C.S.T. to schedule a payment to be sent the same day. If you wait to schedule your payment after 2:00 p.m. C.S.T., the earliest it can go out is the next business day.
How many days does it take for a payment to reach my payee?
Schedule your payments for each merchant in the amount you want and on the "send date" you need. Payments will be processed on the day of your request or on the following business day if the payment is entered on a weekend or a holiday. Use our handy calendar (shown next to the field of your process date) to determine how many days it may take for your payment to reach your payee. You may wish to allow additional time the first time you "Bill Pay" a payee as it can take up to 24 hours to establish a relationship with a new payee.
What if I forget to make a payment, can I have one expedited?
Yes, you can expedite a payment with a guaranteed delivery of the next or second day.
Will I be able to use online bill pay with any of my accounts?
No. Only some Avadian checking accounts can be used for online bill pay purposes. E-Checking accounts are not eligible for online bill pay. Business Checking accounts have a different form of online bill pay, which you can learn about here.
How do I add a new payee to my payee list?
Additions and changes to merchant information can be submitted online by using the "Payees" menu.
How long does it take to add a new payee to my payee list?
New payees are added immediately, however it can take up to 24 hours to establish a relationship with a new payee. This will ensure that your payments will be properly routed and credited to your account.
Can I send someone a monetary gift?
Yes, you can set up reminders on your calendar (like birthdays) and even send gift checks along with a special personalized card. It's cheaper than Hallmark and quicker than the Post Office.
Can I send a donation to a charity?
Yes. You can even send a personalized message with your monetary donation.
When is my account debited for a scheduled payment?
Your account is debited the same day you schedule your "send" date.
Does online bill pay work with personal finance management packages?
No, but bill pay transactions will be reflected in your Transaction History on online banking. You are also able to download your transaction history into a personal excel spreadsheet, Quicken, etc.
Can a payment be cancelled after it is entered?
Payments can only be cancelled when they are found on the scheduled payments screen. You can cancel a pending online bill payment two ways:
  1. Go to the Pending Payments screen, select the payment to be cancelled and click "Stop Payment".
  2. Call an online bill pay service representative at 1.866.321.7071. Speak with a live person anytime from 6:30 a.m. to 10 p.m. CST, Monday through Friday.
What happens if there isn't enough money in my account?
The debit will be returned to our online bill pay processing center, and you will be charged with a non-sufficient funds (NSF) fee. Please note all of your other payments will continue to process. Bill pay will not block those payments. (If you would like to learn how we can help you with overdrafts, check out our Courtesy Pay.)
How long is online bill pay history kept?
Online bill pay will provide you with 18 months of bill pay history and maintain bill pay records for as long as you have been a bill pay user. These records are not stored digitally; therefore they may take longer to retrieve.
Can I use online bill pay overseas?
Online bill pay can provide you with peace of mind if you are traveling outside the United States. All you need is access to the World Wide Web with a secure browser, and you can pay your bills wherever you are.

e-Statements

What are e-Statements?
E-Statements are electronic versions of your monthly paper account statements.
Why would I sign up for e-Statements?
By simplifying your accounts with paperless statements, you'll simplify your life with less clutter, fewer paper cuts and less mail. You'll get cool "now" things like 24/7 access to your account information, instant updates about activity and a running history of past statements all archived and filed. Wouldn't it be so much nicer to do all the productive things you need to do from your home computer, tablet, or phone? Plus, you'll reduce the chances of your personal information being lost or stolen in the mail while saving some trees in the process. If you still need a paper statement, you always have the option of printing it yourself, and you're still saving an envelope!
How safe are e-Statements?
Very safe! In fact, they are actually safer than paper statements, which could get lost or stolen in the mail. To access your e-Statements, log in to online banking. Online banking is secure. Our system employs multiple layers of security, which means your online banking account information and transactions are safe and private. To view our online privacy statement, click here.
How much do e-Statements cost?
Absolutely nothing! They are a free service to you. If anything, e-Statements are saving the credit union the money required to mail them to you. Those savings go back to you in the form of better rates, more cost-effective products and fewer fees.
How do I enroll in e-Statements?
Signing up is easy. Simply log in to your Avadian online banking account, scroll over the "e-Documents" tab and click "e-Statements" in the menu. Follow and complete the steps. (Click here for our e-Statement Sign-Up Guide.)
How will I know when my registration has been completed?
Once you've completed the registration process, you will receive an email confirming your successful registration.
Do I need any special software to use the e-Statement service?
If you have Adobe Acrobat Reader on your computer, you're all set. If you do not have Adobe Acrobat Reader, you can click here for your free download.
Does it matter what browser I use to access the website?
Any up-to-date browser should work. We recommend Microsoft Internet Explorer version 7 or higher, Firefox version 3 or higher, or Safari version 4 or higher.
Who can view my e-Statements?
You can only view your e-Statements through online banking. If you give a joint owner or family member access to your online banking account by providing your sign-in information, they will also be able to view your e-Statements. For your protection, we highly recommend never sharing your sign-in information with anyone.
How will I know when I can view my statement?
You will receive an email notification whenever a new statement is available for viewing. If the statement is not viewed within a certain time frame, a reminder email will be sent as a follow up.
How can I access my e-Statements?
Scroll over the "e-Documents" tab in the navigation bar on your Account Summary page. Click "e-Statements" in the menu.
  1. If you are a current e-Statement user, you will be directed to a screen that allows you to select which month and year for the e-Statement you would like to view. You are also given the option to view other important e-Documents as well as update your email address if necessary.
  2. If you do not have e-Statements, you will be directed to a screen that will prompt you to begin the sign-up process. Please click "Register" and follow the steps to complete your e-Statement registration.
How many months of e-Statements will I be able to view online?
You will have access to a maximum of the last 18 months of statements.
Can I download my e-Statements?
Yes. When you click on an e-Statement to view, you will be given the option to open it in a new window. This allows you to download it.
Can I print my e-Statements?
You can print your statements, and you can also save them to your hard drive, diskette, or CD.
I got an error message while trying to view an e-Statement. It says, "There was an error processing a page. A font contains a bad CMap/Encoding". What does this mean?
You are using an old version of Adobe Acrobat Reader, and need to upgrade to version 4 or higher. Adobe recommends that you first uninstall any older version of Acrobat Reader prior to installing the updated version. Once this has been done you should be able to view your e-Statements with no problems. Click here to get the latest version.

What do I do if I'm having trouble viewing my e-Statement?
Recent changes to your operating system software such as upgrades, downloads, and/or system enhancements can affect your PC's ability to connect with secure sites and view PDF documents including our e-Statement site.

We recommend trying the following steps:
  • Verify that you are current on all system updates.
  • Un-install and re-install Adobe Acrobat Reader. http://www.adobe.com/products/acrobat/readstep2.html
  • Ensure that you are using the most up-to-date version of your browser.
  • Some pop-up blocker and firewall programs may prevent access to e-Statements. If you utilize these types of applications, you may need to disable certain features of the programs in order to access your e-Statements.
How do I update my email address?
On the e-Statement screen, click on the tab "Settings" in the navigation bar. This will lead you to a screen where you can manage/update your email address.

We also recommend you change it on your Avadian Account Summary page as well. Simply click "Change Contact Information" located under your name and address. You will then be directed to a screen allowing you to update all your current information, including email address. For security purposes, any changes you make to your contact information will be sent to you via email.
How do I get a copy of an old paper statement?
If you missed an opportunity to print a past e-Statement and it is no longer available, call 1.888.AVADIAN (1.888.282.3426) and a Member Service Representative will assist you. A $5.00 fee will apply for each statement copy.
Will I still get my paper statement at my home address?
Paper statements will discontinue as soon as you complete the e-Statement sign-up process. You will begin receiving e-statements with the current month of your e-Statement enrollment.
What if I enroll and decide I want to switch back to paper statements?
On the e-Statement screen, click on the tab "Settings" in the navigation bar. This will lead you to a screen where you can discontinue and/or resume receiving electronic documents.

You can also call 1.888.AVADIAN (1.888.282.3426) and a Member Service Representative will assist you. You will need to submit a signed request or send us a message via our Message Board within online banking. We cannot accept your request to stop e-Statements verbally.

Alerts

Why would I set up an alert?
Alerts are designed to help you better manage and track your account activity. They can be sent to you via email or text message. They are a useful tool if you want to monitor your account closer in regards to your personal spending/saving habits, a joint account holder's spending/saving habits or possible fraudulent activity. They are also helpful if you simply need reminders for payment dates, automatic deposits or withdrawals, maturing CDs, etc.
Does it cost to set up an alert?
Alerts are free to set up, however you may incur charges from your mobile device's carrier. Check with your provider for details on specific fees and charges.
What types of alerts are available to set up on my account?
Alerts are used to notify you about changes, such as new transactions, new documents, and balance changes. We offer standard alerts for you to customize based on your needs. These alerts are built into the system and provide a set of commonly used alerts. These alerts may be turned on or off, but cannot be deleted. They include:
  1. Balance Alerts notify you when your balance falls below or goes above a certain amount that you designate.
  2. Transaction Alerts notify you when new transactions arrive in your transaction history. You can create Transaction Alerts based on any valid transaction search. For example, the following are valid Transaction Alert criteria: "over 100", "ATM over 50", "Costco".
  3. Account Alerts can be set up to notify you when a payment is due or overdue and when a CD is set to mature.
  4. Message Alerts notify you when you receive a message from us.
  5. Sign In Alerts notify you of successful and failed sign in attempts.
How do I set up an alert?
In the navigation bar at the top of your Account Summary page, there is an "Alerts" tab. Under this tab, you will find an Alerts menu. From there, you will select "Add Alert" and follow these steps:
  1. Choose an "Alert Type" and click "Next"
  2. Complete "Alert Details" section
  3. Complete "Send Email To" section
    • Note: If you see:
    • Go to Profile - Primary Contact Info > Edit > Add email. Once you add your email, it will show in the "Primary" field.
  4. Complete "Send Text To" section
    • Note: If you see:
    • Go to My Profile - Primary Contact Info > Edit > Add Text Message Email (use proper format as shown on the page by the field with your carrier; ex. 111222333@vtext.com)
  5. Save
How do I view current alerts?
In the navigation bar at the top of your Account Summary page, there is an "Alerts" tab. Under this tab, click "All Alerts" to view a list of all the alerts you currently have set up.
How do I change a current alert?
Find the alert you would like to change under "All Alerts" from the "Alerts" tab. Click on the "Edit" icon next to it, make your changes, and click "Save".
How do I delete a current alert?
Find the alert you would like to delete under "All Alerts" from the "Alerts" tab. Click on the "Delete" icon next to it and make your changes. You can also choose to "Edit" the alert and select "Delete" at the bottom of the screen.
May I respond to an alert?
Please do not respond to alerts. If you do, it will not reach us. If you need to contact us, please call, Member Service at 1.888.AVADIAN (1.888.282.3426), or send us a message via your online banking account.

Reports

What are Reports?
Reports are where you can get an overall view of where your money is going. By default, reports show your spending by month for each category. In addition, if you have a budget setup, the report will also show your budget for that month. You can also view reports by week, day, month, quarter or year.
How does the Budget tool work?
The Budget page will assist you to review how your current expenses and income compare to your selected budget. By default, reports show your spending by month for each category in a tabular view. You can also view reports by week, day, month, quarter, or year.
What are Categories?
Categories allow you to track your spending by various expense and income categories. For example, Categories allow you to see how much you are spending on Dining Out, Groceries, or Automobile expenses. In addition, Categories allow you to set up a budget (under the "Reports" tab) for each category, allowing you to see how your spending compares to your budget goals.
How are Categories set up?
Many transactions will be automatically placed into Categories. In general, credit card and debit card transactions are most likely to be auto-categorized, mainly because these transactions have the best descriptions. Auto-categorization works by comparing the transaction description and memo to the list of rules defined for each Category. For example, if a transaction has the word "Starbucks" in the description, this will match the rule "Starbucks" in the Dining Out Category. You can enhance the list of rules for each Category simply by editing that Category and changing the list of rules.
How can I view or change a Category?
Go to the "Categories" tab under "Reports" on the navigation bar. You will see a list of "Expense Categories" and "Income Categories". Next to each category, there are icons that allow you to edit the category, view transactions for that category, clear the category, or delete the category. Under the "Edit" option, you can set up rules, a budget, and notes for each category.
How can I assign a Category?
If a transaction is not in a Category, it is actually placed in a special Category called "None". In the transaction history, you can click "Edit" next to the transaction, and manually choose the proper Category from the dropdown list.
What does the Cash Flow page show me?
The Cash Flow page allows you to view your cash flow graphically over the course of a chosen time frame. The Green bar is symbolic of cash coming into the account while the red bar is symbolic of cash expenses coming out of the account.
What is Net Worth?
Net Worth is the total of your deposits minus your loans and credit cards. The Net Worth page allows you to view your Net Worth over a period of time in a graphical format.
What is a Dashboard and how does it work?
Dashboards allow you to create your own views of your accounts, transactions, alerts, reports, etc. - all in one quick glance. Simply add a widget from the dropdown menu featured on your Dashboard page. Widgets are images that display content and information. For example, your transaction widget will show a snapshot of your latest transactions. You can modify the information within your widget, move widgets around and delete them as you see fit. You can also reset your dashboard at any time. This tool better enables you to view your information in a format that best suits your needs.

Mobile Banking

What is mobile banking?
Mobile banking allows you access to your Avadian account information from the touch of your mobile device - as long as you have access to the web.
Why would I use mobile banking?
Mobile banking gives you the freedom to conduct most of your financial business from the comforts of your mobile device! With mobile banking, you can:
  • manage your Avadian account(s) whenever and wherever you want
  • view, pay and cancel bills with online bill payment
  • deposit your checks quickly and easily with our mobile deposit feature
  • make transfers between Avadian accounts and accounts at other financial institutions
  • access our ATM and Branch locations
  • view the latest rates and other Avadian information
  • update your profile
  • send/receive messages to and from our Member Service department via our mobile banking app
Is mobile banking safe?
Yes. As with everything we do, we offer the latest in security, so it's not only easy but safe. Like our online banking, our system employs multiple layers of security, which means your online account information and transactions are safe and private. Learn more about our security features here.
What do I need to get started with mobile banking?
If you're a current Avadian online banking user and have a mobile device that features web access, you can start conducting your financial transactions via your mobile device immediately. You will use your same sign-in information for mobile banking as you do for online banking on your computer. If you are not an online banking user, download the Avadian app from your device's app store and click "Not Registered" to sign up.
How do I enroll in mobile banking?
There is no enrollment process for mobile banking. Simply download the Avadian app from your app store or go to our website (avadiancu.com) from your mobile device and log in to online banking.
What is the fee for mobile banking?
We do not have a service charge or fee for mobile banking. However, you could be charged access rates depending on your phone carrier. Check with your cell phone service provider for details on specific fees and charges.
Does my wireless carrier support mobile banking?
Yes. Our mobile banking is compatible with any wireless carrier as long as you have internet access. And if you have an Android® or Apple® phone, you can download our Avadian app. iPhone® is a trademark of Apple, Inc. Avadian Credit Union is not affiliated with, sponsored by, or endorsed by Apple Inc.
What can I view through mobile banking in regards to my account(s)?
You can view all Avadian accounts through mobile banking that you view through online banking. If you are using our app, you will not be able to access the following: reports, e-Statements, check services, card services, Money Manager, or loan applications.
Can I pay bills through mobile banking?
Yes, as long as you are enrolled in online bill payment.
Can I make transfers through mobile banking?
Yes. You can conduct transfers the same way you conduct them in online banking. Visit our FAQs on Transfers to learn more.
What happens if I lose service while performing a transfer or bill payment?
It depends on how far you were able to get in your transaction. The best way to find out if you need to repeat the transaction is to view your history as soon as your wireless service returns. If you see the transaction, then it went through successfully. If not, you will need to process it again.
How do I enable fingerprint login?
Sign into the Avadian app, go to Profile in the menu and select "Enable Touch ID Sign In". The next time you log in, fingerprint login will be enabled.

Mobile Deposit

What is Mobile Deposit?
Mobile Deposit is a free and convenient service that allows you to use Avadian's online banking along with your "smart" (internet-enabled) mobile device to take a photo of your check and deposit it securely into your account via our free mobile banking app.
Why would I use Mobile Deposit?
Mobile Deposit gives you the freedom to make deposits at your convenience. It allows you to deposit your checks quickly and easily from the convenience of your mobile phone or tablet anytime, anywhere.
Who is eligible for Mobile Deposit?
Not everyone is eligible for Mobile Deposit. There are several requirements. When you first access this feature on our app, a pop up box will let you know if you're not eligible. You must be at least 13 years old. Members between the ages of 13 and 18 must have a parent or legal guardian sign the Parent or Guardian Authorization Form to have access.
Is Mobile Deposit safe?
Yes. As a feature of our mobile banking, Mobile Deposit is covered by the same security as our online banking. This means your personal information is protected by advanced encryption technology to prevent unauthorized access. Our mobile banking also has a time-out feature if you should leave your device open for a period of time. However, it is still very important you take appropriate steps to protect the security of your device like password protect your device and keep it in a secure spot when not in use. Click here to learn more about our online security features. Click here to view our Privacy Policy.
Do you charge a fee for using Mobile Deposit?
No. Mobile Deposit is a feature of our mobile banking service. We do not have a service charge or fee for mobile banking and our app is also free. However, you could be charged access rates depending on your mobile carrier. Check with your carrier for details on specific fees and charges.
What do I need to get started with Mobile Deposit?
You must have a mobile device with internet access. Download our app to your mobile phone (applies to iPhone and Android users):
  • Visit the appropriate app store for your device and search Avadian Credit Union. Download it for free.
  • You can also open your mobile phone's browser and go to www.avadiancu.com. Click on the link at the bottom of the login page and follow the on-screen instructions. If you don't see a link to download the application, your device isn't currently supported by the application.
Once you've downloaded our app and logged in to your account, you will have access to Mobile Deposit.
How does Mobile Deposit work?
Mobile Deposit is easy to use. After you download our mobile banking app and sign in using your online banking information, you will have the option to click "Mobile Deposit".* (If you have not set up your Avadian online banking account, you will be prompted to do so when you try to sign in to our app.) You will be able to make your deposit via the following steps:

Step 1: Enter the amount of the check.
Step 2: Choose an account to make your deposit. There will be a drop down list of valid accounts for you to select from.
Step 3: Endorse the check in the proper location on the back.
Step 4: Select "Take Front Image". Then select "Take Back Image".
Step 5: Review your deposit and tap the "Next" button to deposit the check. (After confirmation of our acceptance of your check, please retain a copy of the check for 60 days, then destroy or mark as VOID on the check.)
*Some eligibility requirements may apply.
Will you accept any image of my check?
Your image needs to be clear and easy to read. Here are some helpful tips when photographing your check for deposit:
  • Place check down on a flat, well-lit surface clear of any objects or clutter to prevent shadows or poor image quality. Indirect light is best.
  • Use a solid-colored surface that contrasts with the color of your check.
  • Use the guidelines in our photo finder to help with zoom and scale.
  • Make sure the entire check appears in the guidelines and fills the guidelines as much as possible.
  • Keep hands clear while taking the picture.
  • IMPORTANT NOTE: Make sure the payee has endorsed the check on the back. If the back of the check is not properly endorsed, we reserve the right to reject the check for deposit.
What types of checks can be accepted for Mobile Deposit?
Single-party domestic checks made payable to you or the owner(s) of the Avadian Credit Union account may be deposited. The following is a list of items that may not be deposited using Mobile Deposit:
  • Savings Bonds
  • Money Orders
  • Items stamped "non-negotiable"
  • Incomplete checks
  • Stale-dated checks - Certain checks contain instructions as: "Void 90 days after issue date". If no instructions are contained, then the check is stale 6 months after the issue date.
  • Post-dated checks (dated for a future day)
  • Altered checks - Any check that contains evidence of a change to information on the face of the check
  • Checks purporting to be a lottery or prize winning
  • Third party checks - Checks payable to someone else, endorsed and signed over to you.
  • Foreign checks - Any check that is issued to you and drawn on a financial institution in another country.
  • Checks previously submitted for deposit
How many checks can I deposit using Mobile Deposit?
You can deposit as many checks as you'd like, however only one check can be submitted at a time.
Is there a dollar limit on how much I can deposit using Mobile Deposit?
Yes, there are deposit amount limits, which are based on account relationship.
When will Mobile Deposit items process?
Items received before 7:00 p.m. CST will be posted the same day. Items received after 7:00 p.m. CST will be posted the following day.
Will holds be placed on checks submitted by Mobile Deposit?
Yes. You will have up to $200 of your total day's deposit(s) immediately available to you. Anything over this amount is placed on at least a two business day hold and will be made available to you after that time. If you submitted your deposit(s) after 7:00 p.m., please note an additional business day is added to your hold.
What should I do with the check once it has been submitted?
Retain your check for 30 days after you make a mobile deposit in case there are any questions or issues. Shred it after this time.
Will you contact me if there was an error with my Mobile Deposit?
We will notify you by email if there was an adjustment made to your deposit due to an error in the amount entered and the amount actually shown on your check image. For all other errors, Mobile Deposit will automatically "reject" your deposit while you're trying to process it, so there's no question as to whether you submitted it correctly.
Can I check the history of my Mobile Deposits?
Yes. Checks deposited through Mobile Deposit will immediately show in your regular account transaction history feed. (Note: You will not be able to view images of checks deposited via mobile deposit. You will only be able to view the check information.)
Can Business Accounts use Mobile Deposit?
Contact our Business Services department at 1.800.874.3925 to sign up for Business Remote Deposit Capture.
What if I have more questions regarding Mobile Deposit?
Call Member Service at 1.888.282.3426.

Other Services

How can I change the name(s) of my savings account(s)?
There is not a way for you to change the names of your accounts via online banking. You will need to contact Member Service.
How do I reorder checks online?
If you do not have any changes to your checks, you can reorder them online. Under the "Account Info" tab in the navigation bar on the Account Summary page, select "Check Services". Select "Order Checks" from the dropdown menu. You will be directed to a site to order your checks. Follow the steps to place your order. You will need your account number and our routing/transit number: 2620 8752 8.

Please note: If you are a Choice Checking account user and have "free checks" selected as one of your choices, please contact Member Service at 1.888.AVADIAN (1.888.282.3426) to order your checks. If you order online, you will be charged a fee.
How do I order a statement or check copy?
If you are an e-Statement user, you can access your statements by clicking "e-Documents" in the navigation bar on your Account Summary page. From there, you can print out the desired statement within the last 12 months. If the statement you are requesting is older than 12 months, contact Member Service at 1.888.AVADIAN (1.888.282.3426). If you're not an e-Statement user, click here to learn how to sign up.

You can view a cleared check by going to the "Check Services" tab under Account Info on the navigation bar and selecting "Checks Cleared". Click on "View Check" in the Description Notes for the check you wish to view.
Can I apply for a loan via online banking?
Yes. On your Account Summary page, under the "Loans" tab in the navigation bar, select "Loan Application". From there, choose the type of loan you wish to apply for. Simply follow the instructions from there.
Is there an online help desk if I have questions or issues with my online banking account?
Yes. Go to your "Messages" tab at the top of your Account Summary page to send and view messages from Avadian. You can also call Member Service at 1.888.282.3426.
How do I send a secure message online?
Go to your "Messages" tab at the top of your Account Summary page to send and view messages from Avadian.
How long should I expect before receiving a response?
A credit union representative will respond within 24 business hours. Please note: The credit union's response will be returned within the "Messages" tab of online banking. So please return to this section in 24 hours to check the response.
Can I view previous messages?
Yes. On the "Messages" screen, you will be able to view previous messages sent to us and messages we sent you.

Browser & Security

Is online banking secure?
Yes, online banking is secure. In fact, our system employs multiple layers of security, which means your online banking account information and transactions are safe and private. View our online privacy statement here.
What are security questions?
Security questions are questions we ask you to set up when signing up for online banking. You are the only one who knows the answers to your questions. These questions protect you in case we suspect an unknown user is trying to log in to your account. You will be required to answer one of your questions every time you sign in to your account unless you choose to have your account "remember" your computer or device.
Can I change my security questions?
Yes. Go to "My Profile" on your Account Summary page and click "More Details". From there, you can edit your security information.
Which browsers do you recommend?
We recommend Internet Exlorer 7 or newer, even though online banking is compatible with most browsers.
What can I do to protect my account information?
We are always looking out for you, but we can only do so much. It's up to you to do the rest. We recommend taking the following precautions:

  • Never share your username. Also note we will never ask you for your username.
  • Never share your password. Also note we will never ask you for your password.
  • Change your password often. We will automatically expire your password every 180 days.
  • Choose a password that no one else would guess. Use numbers, letters and symbols.
  • Be aware of your surroundings when logging in. Make sure no one is watching you enter your information.
  • Always log out of online banking if you need to leave your computer. Please note, you will automatically be logged out if you leave your account screen open 15 minutes without activity. This is to protect your information.
  • Never allow the browser to auto-fill or "remember" your username or password.
  • Do not send confidential information by email unless in a secure session.
  • If you print any account information, be by the printer to pick it up immediately so no one else views it.
  • Consider purchasing our I.D. Theft Protection Program for as little as $1.95 a month.
  • Find more tips here.
What about privacy?
As a financial institution, privacy is of course a top priority. We take the protection of our members' information very seriously and do everything possible to ensure your privacy. To view our online privacy statement, click here.

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