Help Center.

The easiest way to add an account to your membership is through digital banking. The online application, when accessed through digital banking, carries over your personal information to the account application.

• In the mobile app, navigate to the More screen. Scroll to the Apply for Loans & More section. Tap the Open a New Account option.
• In the online banking website, select the New Accounts option from the Apply menu.

You can also apply from the affinityplus.org website as well. After selecting the "Open an Account" option for the account you wish to open, enter your information in the Add an Account to a Current Membership section of the application.

To add or change a beneficiary, fill out the Beneficiary Request Form.

You can mail, fax or drop off the completed form at a branch location.

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

• Mobile banking app: Go to the More screen and select Profile Details.
• Online banking: Select the Profile menu option.

To close an account within your membership, submit the request in online banking:  Close Account Request form

You can also access this form from the Contact option within online banking, located in the top right. On the Contact page, select "Close Account" in the menu on the left.

To close your membership, please either start a Live Chat or give us a call at (800) 322-7228 during business hours.

To set up direct deposit to your Affinity Plus account, here’s the information you’ll need to provide.

• Affinity Plus routing / ABA number: 296076301
• Your Account Number
• The account type (checking or savings)

If you need a form from us with this information, please send us a secure message or start a live chat.

If a merchant mistake seems possible (for example, the same charge is listed twice, or you’ve been charged for an optional add-on that you didn't request), first contact the merchant to see if they'll resolve it on their end. They should if it's their mistake.

If the merchant can't (or won't) help, then file it with us, you have 60 days from the closing date as printed on your statement to file a dispute.

Dispute ACH (Automatic Payment) or Check Transactions

Please call us at (800) 322-7228 or start a Live Chat during business hours.

Dispute Credit Card Transactions

See topic, Dispute a Credit Card Transaction

Dispute Debit Card Transactions

See topic, Dispute a Debit Card Transaction

You can download your transactions from the online banking website. The file generated is a comma separated file (.csv) and can be opened in any spreadsheet application.

To download your transactions:

• From the main Accounts screen, select the account you want to download transactions for.
• Select the Download option at the top of the Account History screen.

Your account number, along with the Share/Loan ID, is listed in account details.

• Mobile banking app: From the main accounts screen, tap the account you want to find the account number for. In the menu bar above the transactions list, tap the Details option.
• Online banking website: From the main accounts screen, select the account you want to find the account number for. The account number is in the Account Details section.

Account Number vs Share ID

Account Number (also known as your MICR number) is for transfers outside of Affinity Plus, direct deposits and paying bills.

Share ID (or Loan ID) is used for transfers between your Affinity Plus accounts. This is the number needed for member-to-member transfers.

You can add your Affinity Plus account(s) to Mint from mint.com or from the Mint app. Refer to these instructions for adding a new account in Mint.

For Quicken and QuickBooks, our online banking supports the Express Web Connect and Web Connect methods. Direct Connect is not available.

Express Web Connect
Express Web Connect allows Quicken and QuickBooks Online to automatically get transactions from Affinity Plus online banking.

Connecting your accounts:
When prompted to select your financial institution's name, select "Affinity Plus FCU – New". You'll enter your online banking credentials (username and password) to connect your accounts.

Web Connect
Web Connect allows you manually import a download file into Quicken or QuickBooks.

Generating the Quicken or QuickBooks download file:

• Go to the Tools & Alerts menu. Select the Download Transactions option.
• Select your download parameters:
  • Select the account you want to download transactions for.
  • Enter the start and end date you want transactions for.
• Select the Download option at for either Quicken (.qfx) or QuickBooks (.qbx).

Notify us of upcoming travel to ensure your credit and/or debit cards work properly while you’re out of town. To ensure we have time to process your request, please send a travel notification at least 3 business days ahead of when you’ll be leaving for your trip.

• Send us a Travel Notice from the mobile app. From the Contact Us screen, tap the Traveling soon? option.
• Submit the Travel With Your Card(s) secure form in online banking. This is accessed from the Contact menu.

You can order checks from the online banking website, but not the mobile app.

After logging in to online banking, select your checking account from the main Accounts screen. Next, click the "Order Checks" button on the left and you’ll be navigated to our partner website. Then select "Shop Full Catalog" to make an order.

And the cost will vary depending on the options you pick, but standard Affinity Plus checks with regular delivery (7-10 business days) are around $17.

Get Free Checks

If you have Interest Reward Checking, you get up to 4 boxes of checks free each year. To get your checks for free, you must select the style identified as "Affinity Plus Duplicate Custom" (valued at $17.00 per box).

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.

Affinity Plus Routing Number: 296076301

Affinity Plus only has one routing number assigned for all accounts (other, larger financial institutions often have many).

The routing number is sometimes referred to as the ABA number or a routing transit number (RTN). It’s a unique 9-digit number that functions like an identifier or address for each financial institution in the United States.

We ask that you use our video banking service, or come to a branch to update signers (joint owners) on an account.

Both joint owners will need to sign paperwork to update the account

When activating your card, you must call from the number we have on file for you, and the one that's associated with your card. That's to protect your security.

And the number you dial depends on the type of card.

• Credit Card activation: (800) 631-3197
• Debit Card activation: (866) 985-2273

Your Affinity Plus credit and debit cards can be added to your favorite digital wallet:

• Apply Pay®
• GooglePay™
• Samsung Pay®

And more! Digital payments are easy and secure, and you don’t need your card with you.

When updating your PIN, you must call from the number we have on file for you. That's to protect your security.

And the number you dial depends on the type of card.

• Credit Card PINs: (888) 886-0083
• Debit Card PINs: (866) 985-2273

If a merchant mistake seems possible (like maybe the same charge twice, or an optional add-on that you didn't request), please first contact the merchant to see if they'll resolve it on their end. They should if it's their mistake.

If the merchant can't (or won't) help, then file it with us, you have 60 days from the closing date as printed on your statement to file a dispute.

To submit a credit card dispute:

• In either the mobile banking app or online banking, go to your credit card account.
• Find the questionable transaction in your Account Activity list and select the transaction.
• Click/tap "Dispute" to start the process.

If a merchant mistake seems possible (like maybe the same charge twice, or an optional add-on that you didn't request), please first contact the merchant to see if they'll resolve it on their end. They should if it's their mistake.

If the merchant can't (or won't) help, then file it with us, you have 60 days from the closing date as printed on your statement to file a dispute.

To submit a debit card dispute:

• Digital banking: Submit a Debit Card Dispute secure request.
  You can find this form in online banking by going to Contact, and then click the "Dispute Debit Card Transaction" link on the left.
• Contact Us: Call us at (800) 322-7228 or start a Live Chat during business hours

Real-time fraud monitoring is on your credit and debit cards. If fraud is detected, the Fraud Department at Affinity Plus will contact you with the information we have on file for you, either by text, email or phone.

Responding to fraud alerts:

• If you receive an alert by text, please reply Y or N. Texts are free.
• If you receive an alert by phone or email, contact the Fraud Detection Department right away at (888) 918-7313.

You can freeze your credit or debit card at any time. This temporarily inactivates your card if you ever misplace it, and allows you to activate it again if you find it.

The Freeze option is available as part of Card Controls in digital banking.

• Mobile banking app: Navigate to the More screen and tap Manage Cards. Tap the Freeze this card on/off toggle button.
• Online banking: Go to Tools & Alerts and select the Manage Cards option. Select the card you want to freeze, and select the Freeze Card on/off toggle button.

All members who open a new checking account will be issued a debit card. These are mailed to your address on file and arrive 7–10 business days within account opening.

If you'd like to get one sooner, you can stop by a branch location to have one instant-issued to you. We encourage you to fill out an Order Pickup Request to save time at the drive-thru.

If you need to replace a damaged credit or debit card, you can stop by a branch location to have one instant-issued to you.

Or if you can wait up to a week, we can mail it to you. Just call (800) 322-7228 or start a Live Chat during business hours.

For debit card pickup, we encourage you to fill out an Order Pickup Request to save time at the drive-thru.

Set up alerts for your credit or debit card to help you stay on top of card usage:

• Set an alert for transactions over a particular amount.
• Set an alert when a monthly spending limit has been reached.
• Set an alert each time an international purchase is made.

Alerts are set in Card Controls within digital banking. You can manage how you want to receive alerts, either by text or email.

For your security, we can't give out current PINs over the phone. But you can reset yours by calling from the number we have on file for you.

And the number you dial depends on the type of card.

• Credit Card PINs: (888) 886-0083
• Debit Card PINs: (866) 985-2273

Call (800) 449-7728 right away to deactivate your card.

We will mail you a replacement card, and that will take 7-10 business days to be delivered. Or, for immediate replace you can stop by a branch location.

Set your credit or debit card to automatically decline transactions to help you manage your budget:

• Set a transaction limit to decline purchases over a particular amount.
• Set a monthly limit to decline purchases beyond that limit.

You can also set your card to decline all international purchases.

Transaction limits are set in Card Controls in digital banking.

Our mobile banking app uses biometric login that works with Android Fingerprint and iOS Touch ID or Face ID, depending upon what your mobile device supports.

To use biometric login (Touch Login):

1. Set up biometric login on your mobile device. Fingerprint and face ID are set up though the Settings app on the device.
   The setup may be different depending upon your phone brand or model, so we recommend you review instructions with your device’s manufacturer if you have questions.
2. Log in to the Affinity Plus mobile banking app.
3. Accept the biometric prompt.

Once you've successfully logged in with your credentials, you'll be prompted to enable biometric login.

You can disable/enable Touch Login at any time from the More screen of the mobile app.

You can change your password at any time through Profile settings.

• Mobile banking app: From the More screen, select Profile Details then Password.
• Online banking website: Select Profile in the top menu, then select Password in the left-hand menu.

You can change your username at any time through Profile settings.

• Mobile banking app: From the More screen, select Profile Details then Username.
• Online banking website: Select Profile in the top menu, then select Username in the left-hand menu.

Explore features in our digital banking experiences:

• Digital Banking overview
• Mobile Banking App overview
• Online Banking overview

If you’ve forgotten your password, you’ll need to reset it.

• Mobile banking app: On the login screen, select the Forgot? link next to the Password field.
• Online banking website: Forgot Password. This is also accessed from the login page, select the Forgot Password link below the Log In button.

Please contact us if you’ve forgotten your digital banking username.

Call us at (800) 322-7228

Our mobile banking app is available for both Android and iOS devices.

• Google Play Store download
• Apple App Store download

Through the registration process, you’ll set up your digital banking credentials (user ID and password) that you’ll use to log in with.

Businesses, Trusts and Foreign Students

Because of some additional info needed, self-service registration isn’t available. A member advisor can get you set up if you contact us in one of the following ways:

• Register via Live Chat, or by phone at (800) 322-7228
• Stop into one of our branch locations

Personal Accounts

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

• Download our mobile banking app, and select the Register link from the log in screen.
• Register directly on the online banking website. This is also accessed from the sign-in page, from the Please Register link.

Member Number

You need your Member Number in order to register for digital banking.

• New or recently joined member? If you applied online, you can find your member number by returning to our online application system.
• Contact us and a member advisor can provide your member number to you.

If you’re locked out of your account, you can use the Forgot Password functionality to reset your access.

Contact us as soon as possible if you suspect there’s been unauthorized access to your account.

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

Use mobile check deposit to easily deposit checks from anywhere using the mobile banking app.

Rather watch how it's done instead? Check out the video tutorial.

1. Sign the back of your check.
2. Open the mobile banking app and tap the check deposit (camera) icon in the bottom menu (it’s the second option on the menu).
3. Take a picture of the front of the check.
4. Take a picture of the back of your check.
5. Enter the amount of the check.
6. Tap the Deposit button.

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.

Tips:

• In addition to smoothing out creases, it helps if you put your check on a contrasting background.
• The mobile check deposit will attempt to automatically capture the check photo. If it’s unable to, a manual take photo option will come up after a couple of seconds.
• The Affinity Plus mobile banking app needs permission to access your device’s camera in order for mobile check deposit to work. If this access has been disabled, you can enable it from your device’s Settings app.

All Affinity Plus branch locations have a deposit-taking ATM. No envelope is needed, you just need your Affinity Plus debit card.

You can also use our ATM Finder to find the nearest ATM within our network that accepts deposits.

To deposit cash:

• Stack your bills in preparation of inserting them into the ATM.
• Insert your debit card and enter your PIN.
• Select the deposit option and follow the prompts.

All Affinity Plus branch locations have a deposit-taking ATM. No envelope is needed, you just need your Affinity Plus debit card.

You can also use our ATM Finder to find the nearest ATM within our network that accepts deposits.

To deposit your check(s):

• Endorse the back of your check(s).
• Insert your debit card and enter your PIN.
• Select the deposit option and follow the prompts.

Use your Affinity Plus Visa® debit card to check out and get cash back at participating retailers.

Select Yes to the cash back prompt on the merchant's point-of-sale terminal and enter the amount of cash you'd like to receive. If prompted, select "debit" transaction. Enter your PIN. The cash back amount will be deducted from your Affinity Plus account along with the amount of your purchase. The cashier will provide you with the cash.

There's no surcharge fee when you use your Affinity Plus debit card at an Affinity Plus ATM or at an ATM within our network (MoneyPass, CO-OP and SUM). Transactions made outside of our network may be subject to third-party fees.

Our outgoing domestic wire transfer fee is $15. And please note that the receiving institution may also charge their own fee.

If this is your first wire transfer with us, please contact us and let a member advisor help!

If you've sent a wire transfer from Affinity Plus before, you can fill out a Domestic Wire Transfer Request form in online banking only (not the mobile app).

You can also access this form from online banking's Contact screen. Select Domestic Wire Transfer on the left, then fill out and submit the form.

Our outgoing domestic wire transfer fee is $40. And please note that the receiving institution may also charge their own fee.

If this is your first wire transfer with us, please contact us and let a member advisor help!

If you've sent a wire transfer from Affinity Plus before, you can fill out an International Wire Transfer Request form in online banking only (not the mobile app).

You can also access this form from online banking's Contact screen. Select International Wire Transfer on the left, then fill out and submit the form.

Our incoming wire transfer fee is $10. To receive funds through a wire transfer, you'll need to provide the following information:

• Your full name as it appears on your membership and account
• Your address
• Your account number (you'll find this on the Account Details screen in digital banking)
• For domestic wires, the Affinity Plus routing number: 296076301
• For international wires, the Affinity Plus Swift Code: APFDUS44XXX
• The Affinity Plus address for incoming wires:
  
  Affinity Plus Federal Credit Union
  175 W. Lafayette Frontage Rd.
  St. Paul, MN 55107

For person-to-person transfers, using a mobile phone number or email address, the Popmoney® service is available from the online banking website under Move Money.

To use this service, you must first be enrolled in our Bill Pay service and it's part of our Payment Center.

Popmoney Timing

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.

Add your Affinity Plus Visa® credit or debit card to your favorite digital wallet, and you can use the send money feature these services offer.

Transfers between your accounts within the same membership can be scheduled for immediate, future, or recurring. There aren't date restrictions (weekends or federal holidays) for internal transfers.

You'll only be able to select the accounts which allow transfers. For example, you cannot transfer from a WINcentive™ Savings, so it won't be available as a transfer FROM account in the Transfer Money screen.

Transfers to other memberships can be scheduled for immediate, future, or recurring. There aren’t date restrictions (weekends or federal holidays) for internal transfers.

You cannot request a transfer from another membership through the move money functionality.

Want to watch a video of the process? Check out the video tutorial.

To add another member to transfer to:

• Request (or have handy) the Share/Loan ID of their account you'll be transferring to.
• Go to Move Money. Select the option to add a member.
  Mobile banking app – Tap the “Add a Member” (with the plus “+” sign) option on the Move Money screen.
  Online banking website – Select “Add Another Member’s Account” option
• Enter the member’s information.

Once you’ve set up another member, they’ll be in your “transfer to” list going forward.

Transfers to accounts outside of Affinity Plus, external accounts, can be scheduled or can be set up as recurring. External transfers usually process within 2–3 business days, excluding weekends and federal holidays.

Want to watch a tutorial of the process? Check out the transfers video.

Set up an External Account

External accounts are set up from Move Money from either the mobile banking app or the online banking website. This processes uses micro deposits to verify accounts, so it can take 1-2 business days to get an external account set up.

Once the account is set up it will stay in your list of accounts to transfer to.

Bill Pay is a service provided in the mobile banking app and online banking. There isn't a fee to use 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, a paper check is mailed to the address you provide.

Bill pay timing.

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.

How to use Bill Pay.

If you’re new to the service, you’ll be taken through the enroll process the first time you access Bill Pay.

Mobile Banking App
Select the Pay Bills option on the Move Money screen. You can add and manage payees, schedule payments, and see your payment history within the app.

For a walk-through of bill pay on mobile, check out the video tutorial.

Online Banking
Select the Bill Pay menu item, then select the Go to Bill Pay button and you'll be directed to the Payment Center website.