How Do I...?

Great question, and you’re probably not the first one to ask it. You can skip right to the info you want with the links in the Topics list, or find your answer by scrolling through the whole page and learning something else along the way.

Routing Number

What is it?


System Requirements

Digital Banking Requirements

Review our Digital Banking System Requirements to see which mobile operating systems and browsers we support for our mobile app and online banking.

Businesses, Trusts and Foreign Students

Personal Accounts

You can register for digital banking from either the online banking website, or from the mobile banking app.

  • Click the Log In button (at the top of this site), and then select the Please Register link.
  • Download our mobile banking app and select the Register link from the log in screen.

Please note that for joint accounts, login credentials will need to be shared between each person on the account.

Bill Pay

Any fees?

No, we don’t charge a fee for this service

How it works.

Payments made through Bill Pay are sent directly to your payee, and done so electronically when possible. Most companies across the U.S. can receive electronic payments, but if the payee CAN’T receive them, we mail a paper check to the address you provide.

How to use it.

First, go to Bill Pay in online banking and set up the payee (the business you’re paying) by selecting Add a Company or Person, and then select the checking account you’re paying from. Then for the payee, enter the amount, adjust the delivery date if you want to make it later than what appears, and then send it.


At the time you’re making the payment, you’ll select the Deliver By date, and the calendar will automatically display the earliest possible date for this the payee. For electronic payments, this is typically 1 – 3 business days; for check payments, it’s typically 3 – 5 business days.

External Transfers

Any fees?

No, we don’t charge a fee for this service.

Adding new external accounts.

To add an external account (an account at a different credit union or bank) to your “transfer to” list, go to Move Money and select Add an External Account, then enter your account and routing numbers. Please note that adding new external accounts needs to be done in online banking via (it can’t yet be done in the mobile app).

Within a couple of days, 2 small trial transactions will be made to your external account. After they appear, go back to Add an External Account and follow the Verify steps. Once your external account’s verified, you can transfer money to and from it using online banking or the mobile banking app.

Internal Transfers

Transferring to other members.

First, if you haven’t yet added their account to your “transfer to” list, you’ll need the other member’s account Share ID and last name.

Once you have that info, log into online banking and go to Move Money. Select the Add Another Member’s Account option and follow the steps. After adding it, you can transfer to it anytime by going to Transfer Money in online banking or the mobile banking app.

Can I make unlimited transfers?

Yes, you can from both Checking and Savings accounts.

As of April 2020, we no longer restrict you to 6 monthly “convenience” withdrawals from savings, as an amendment to Federal Regulation D was made effective by the Federal Reserve Board that removed the transfer limit requirement.

Order Checks

From Accounts, go into your checking account and select the Order Checks button in the Account Details panel. You'll be navigated to our partner website to order your checks.

Pay a Person (Popmoney)

Any fees?

No, we don’t charge a fee for using this service. If you went directly to the Popmoney website, however, you WOULD be charged a fee (by them).

How to use it.

Go to Move Money and select Popmoney, then enter the recipient’s email address or mobile phone number and amount, and then submit the payment. Please note that if you’re sending the money to a phone number, it has to be mobile (Popmoney won’t work over a landline).

Please note that Popmoney is available through online banking only, and not the mobile app.


If the recipient accepts the transfer and provides their account info by 8 p.m., the funds are usually available the next business day (Mon. – Fri.).

Please note that it could take longer if the recipient hasn’t used Popmoney before, or if they’ll have to log in and accept the payment.

Secure Messaging

What is it?

You can securely send either custom messages, or online request forms (Travel Notice, Debit Card Dispute, Skip a Loan Payment, Wire Transfer and more) to a member advisor from online banking.

You can also send general messages from the mobile app, but most of the online request forms aren’t yet available there.

Response time.

You can expect a reply from a member advisor within the next business day. If you can’t wait that long for a response, please instead call or live chat during business hours.

Security Profile

Password changes.

Go to Profile and then select Password.

Security question changes.

Go to Profile and then select Security Questions.

Statements & Notices

Want to enroll in digital statements? See Paperless Statements topic.

Once you enroll in digital statements and notices, you can view them in online banking by going to Statements & Notices. From there you can view your member statements, mortgage statements, notices, tax documents and credit card statements.

Up to 84 months of statements are available for member statements, mortgage statements and tax statements; up to 13 months of notices are available.

Wire Transfers

How it works.

You can fill out a secure online Wire Transfer form by going to Contact in online banking and selecting the appropriate link (Domestic Wire vs. International Wire) on the left. Then after you submit the form, a member advisor will contact you to complete the process. They could take up to 1 business day (Mon. – Fri.) to get back to you, but it typically takes just a few hours.

Please note that online Wire Transfer forms are currently only available in online banking (not yet in the mobile app).

Bill Pay

Any fees?

No, we don’t charge a fee for using this service.

It’s in the app?

Yes, you can use Bill Pay in the mobile app, you'll find it on the Move Money screen. If you’re new to the service, you’ll be taken through the enroll process the first time you access Bill Pay.

Please note that e-bills aren't in app, so you'll need to log into the online banking site if you're set up to receive bills through Bill Pay.

Express (Biometric) Login

What is it?

For extra security and ease, you can log in with biometrics like fingerprint or face recognition (depending on your device).

Mobile Check Deposit

How to use it.

After tapping the Mobile Check Deposit (camera) icon down in the menu bar: Fill out the “deposit to” and “amount” fields, then snap a picture of your check’s front and back (after smoothing out any creases), and submit it.

Tip: In addition to smoothing out creases, it helps if you put your check on a contrasting background.


A portion of your funds may be immediately available; however, we may place a hold on the funds if we require further review of the deposit.

You’ll receive an email receipt for the deposit and if any adjustments are required, a follow-up confirmation email will be sent.


Transfers to external accounts.

Though you can transfer to existing external accounts from the mobile app, you currently have to add NEW ones in online banking (via under Move Money.

Transfers to other members' accounts.

First, if you haven’t yet added their account to your “transfer to” list, you’ll need the other member’s account Share ID and last name.

Once you have that info, go to the Move Money screen and tap the Add a Member option in the Transfer to Members section. After adding it, you can transfer to it anytime by going to Transfer Money in online banking or the mobile banking app.

In online banking, go to Tools & Alerts, and then select Download Transactions.

BID for Affinity Plus.

Affinity Plus FCU – New

Is Direct Connect available?

You can download your transactions to Quicken or QuickBooks via Web Connect or Express Web Connect. At this time, Direct Connect isn’t available. We’re sorry for any inconvenience.


As we update our systems, Quicken and QuickBooks feeds are impacted. You can find detailed help on the Quicken & Quickbooks page.

Fees for Personal Memberships

Our commitment is to keep our fees at a minimum to ensure you keep more of your money. With our clear and sensible fee structure you can always be aware of the fees applicable to your account(s).

Download the Personal service fee brochure

Fees for Business Memberships

We're dedicated to working with you to ensure your business's financial success. With our clear and sensible fee structure, you can be confident that you're getting the most value.

Download the Business service fee brochure

Account Number

Where to find it?

Your account number is listed in the account details view in online banking or the mobile banking app.

What’s the difference between Account Number and Share ID?
  • Account Number (also known as your MICR number) is for external transfers, direct deposits and paying bills.
  • Share ID (or Loan ID) is used for internal transfers only. This is the number needed for member-to-member transfers.

Beneficiary Updates

To add or change a beneficiary, download and fill out the Beneficiary Request Form. You can mail or fax us the completed form, or bring it into a branch location.

Close Account

To close an account with us,

  • Submit the Close an Account secure form in online banking, accessed from the Contact menu.
  • Or, contact us to assist with your request.

Contact Information Updates

You can update your address, phone number or email address in the mobile banking app or in online banking.

  • In the mobile banking app, go to the More screen and select Profile Details.
  • In online banking, select the Profile menu option.

Dispute a Credit Card Transaction

A credit card transaction dispute must be submitted within 60 days of the closing date as printed on your statement. You can submit a transaction dispute using one of the following options:

  • In the mobile banking app, go into your Credit Card account. Select the transaction and tap the Dispute option.
  • In online banking, go to Statements & Notices and select the option for Credit Card Statements. On the credit card site, view your transactions, select the transaction and click Dispute.
  • To report fraudulent use of your card, download and fill out the Affidavit Fraudulent Use of a Debit or Credit card. You can mail or fax us the completed form, or bring it to a branch location.

Dispute a Debit Card Transaction

A debit card transaction dispute must be submitted within 60 days of the closing date as printed on your statement. You can submit a transaction dispute using one of the following options:

Notify of Travel

Notify us of upcoming travel to ensure your credit and/or debit card works properly while you’re out of town.

  • Send us a Travel Notice from the mobile app. From the Contact screen, tap the Traveling Soon? option.
  • Or, submit the Travel With Your Card secure form in online banking, accessed from the Contact menu.

Paperless Statements

You can enroll in digital statements, view statements and manage statement preferences from both the mobile banking app and the online banking website.

Through digital banking you'll be able to view up to 84 months' worth of statements at a time.

Mobile Banking App

Navigate to the More screen, tap the Statements & Notices option.

Online Banking Website

Select the Statements & Notices menu.

  • Bank Statements, Notices, Tax Statements and Mortgage Statements – Select Go to Banking Statements. Confirm the Visibility Verification, select the delivery method for each statement type, and then follow the prompts to complete your enrollment in paperless statements.
  • Visa Credit Card Statements – Select Go to Credit Card Statement. Choose the Statements & Activity tab on the top navigation bar, and select the Go Paperless option.

Automated Phone Banking

Our automated phone banking service lets you do your banking anytime, in English or in Spanish.

How do I get started?

If you haven’t used bank-by-phone before, you’ll need to set up a PIN first.

  • Dial the bank-by-phone number: (800) 444-7228 or (651) 224-3999, and select option 6.
  • Or, visit our Contact Us page for all the ways to get in touch with member advisor to assist.


How do I use it?
  1. Dial the bank-by-phone number: (800) 444-7228 or (651) 224-3999
  2. Enter your PIN
  3. Press the number for the option you want


What options are available?
  • 1 – Check account balances
  • 2 – Listen to account history
  • 3 – Transfer money or make a payment
  • 4 – Activate or deactivate a card
  • 5 – Place a stop payment
  • 6 – Change your PIN
  • 7 – Listen to branch hours and locations
  • * – Return to previous menu
  • 3* – Go to main menu
  • 8* – Switch to voice recognition
  • Touchtone – Say “touchtone” to return to your touchtone key pad
  • Help – Say “help” to receive a help menu

Text Banking

How do I get started?

To use text banking, you need to first register your mobile phone number and then enable your account.

  1. In online banking, go to Tools & Alerts and select Text Banking.
  2. Register your mobile phone number by selecting the Add a Number button.
  3. Enable your account(s) for text banking by selecting the Mobile Nicknames button.


How do I use it?

Once you've gotten set up to use text banking, just send a text with the text banking command.

  • Send a text message to 64487
  • The text message should contain the text command and mobile account nickname, if you’ve enabled more than one account.

For more information, refer to the help provided on the Text Banking page within online banking.


What commands are available?

BAL – Returns your account balances
HIST – Returns the last 5 transactions
MORE – Used with the HIST command, returns the next 5 transactions
NICK – Returns all your account nicknames
HELP – Returns a list of all commands
STOP – Unsubscribes the phone number from text banking

Commands are not case-sensitive, so you can text BAL, Bal, or bal which would all mean the balance command.


Earn and Redeem MyPlus Rewards Points

For an overview of all the ways you can earn points and what you can redeem them for, visit the MyPlus Rewards page.

View MyPlus Rewards Balance

To view your MyPlus Rewards points, log into the mobile banking app or online banking. Select the MyPlus Rewards Points section on the Accounts screen, below your accounts, to go to the rewards site. On the rewards site you'll find your points balance and can view a summary of points earned and redeemed.

Member Benefits Overview

To see all the services, programs, and discounts available to you, visit the Member Benefits page.

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