Log In Help

Accessing Online Banking

How do I login to online banking?

Visit www.americu.org and enter your existing online banking UserID and password in the "Online Banking and BillPay" widget.

If this is your first time logging in since we upgraded our systems, you will need to:

  • Review and accept the Terms & Conditions.
  • Provide contact phone number(s) and/or email address, and verify your identity. Based on the option you select, you will receive a phone call, text message, or email with a confirmation passcode that you must enter to verify your identity and access online banking. For future logins, you may choose to register trusted (i.e., non-public) devices, so you won’t have to complete this verification process each time.

Once you’ve logged in, you’ll see your new, easy-to-use online banking home page. From here you can manage your accounts, pay bills, access budgeting tools, check your balances, and more with added convenience, security, and reliability. Click here for information about downloading the new apps to your smartphone or tablet.

What if I never used the old online banking system?

Welcome! Enrollment in AmeriCU’s online banking system is simple – at the log in screen, use your account number as your initial UserID and your TeleLink PIN as your initial password. After you enter these and click login, you’ll be prompted to verify additional identity information and choose a new username and password. Follow the instructions on screen to complete registration and begin enjoying all the benefits of online + mobile banking! When you login, for the first time only, you MUST login from a desktop or laptop computer (NOT a smartphone or tablet).

What if I forgot my UserID or password?

If you forgot your userID or password, click "Forgot userID or password?" on the online banking log in screen

Do I need a new User ID or password?

If you are an existing online banking user, you will continue to use the same User ID and password for online banking.

If you are a new user, use your account number as your initial UserID and your TeleLink PIN as your initial password. For your security, you will then be prompted to verify additional identity information and choose a new user ID and password during your initial log in.

I’ve gotten locked out of my account. What do I do?

If the username and password combination is incorrect, you will receive an error message. To prevent unauthorized access to your account, the system will lock your account if there are too many login failures. There are two ways to unlock your account:

Will I have to verify my identity every time I log in to online or mobile banking?

If you have registered a device, our system should remember that device and you should only have to verify your identity once. However, this feature depends on the settings on your device. Our online and mobile banking system uses cookies* to remember you when you log in, but if these cookies are deleted, you will have to verify your identity again. If you are asked to submit a passcode every time you log in, your device may be set to delete cookies automatically and you may need to adjust your cookies settings to a more easily access online and mobile banking.

(*Cookies are small files that websites put on your computer when you visit a website. These files act as an identifier and help the website remember you and your preferences on future visits.) 

Should I register every device I use to access online + mobile banking?

You should only register private, trusted devices. If you are accessing online banking from a public or shared computer, you should choose not to register that device for security reasons. If you choose not to register a device, you will be asked to verify your identity every time you log in on that device. 

Can I login to my account from anywhere?

Yes, you can log in from any computer. If we do not recognize the computer that you are using then we will simply send you verification code at the phone number or email address we have on file before allowing you access to Online Banking.

Will I be asked security questions?

Instead of security questions to verify your identity, AmeriCU will call, text or email a verification passcode to you at the phone number or email address you provided (depending on the option you selected) and give you a verification passcode anytime you log in from an unregistered device. If you are a new online banking user, you will be asked to verify identifying information the first time you log in.

  •  
    • at least one letter (a, b, c, etc.)
    • at least one number (1, 2, 3, etc.)
    • at least one special character (!, #, $, @, etc.)
  • How do I change my UserID or password?

    To change your UserID, log in to online banking and then choose "My Settings" and then "Update Username" or "Update Password:. UserIDs must meet the following guidelines:

    Must be at least six characters long and no longer than 20 characters
    Cannot be all numbers (can be all letters or characters)
    Can contain letters, numbers and the following characters: @$*_-=.!~
    Cannot contain any whitespace (spaces are not allowed: including before, in the middle of, or after the username)

    Passwords must contain at least two of the following three elements:

    • at least one letter (a, b, c, etc.)
    • at least one number (1, 2, 3, etc.)
    • at least one special character (!, #, $, @, etc.)

    Your password cannot be a subset of your UserID.

    Upon successful entry, an email will be sent to the email address that is on file within Online Banking. This change will take place immediately and be recognized across the Online Banking system.


    Why did I have to change my password?

    Your password must meet new system security requirements and must contain at least two of the following three elements:

    Your password cannot be a subset of your UserID.

     

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