Deposit a Check with the Mobile Banking App

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

1. Sign the back of your check.
2. Log in to the mobile banking app, and tap the Deposit (camera) icon at the bottom.
3. Then follow the prompts to take pictures of the front and back, and enter the amount.

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. If any adjustments are required, we’ll send a follow-up confirmation email.

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 not able to, a manual take photo option will come up after a couple of seconds.
• The 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.

Deposit Cash at an ATM

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.

Deposit Checks at an ATM

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.

Direct Deposit

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, you can get it from digital banking. Just select the account from your dashboard (Accounts screen), then select “More” (three dots). There, you’ll see the “Direct Deposit Info” option, where you can view or download your official Account Verification letter.

Get Cash from ATMs

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.

Make a Domestic or International Wire Transfer

Receive a Wire Transfer

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)
• Domestic wires: The Affinity Plus routing number: 296076301
• International wires: The Affinity Plus Swift Code: APFDUS44XXX
• Incoming wires: Our address:
  Affinity Plus Federal Credit Union
  175 W. Lafayette Frontage Rd.
  St. Paul, MN 55107

Transfer Between Affinity Plus Accounts

Your Options for Scheduling Transfers

You can set up immediate, recurring, or one-time future transfers between your own Affinity Plus accounts, or to other members’ accounts, once you’ve added those other members to your list in digital banking.

You can also set up these transfers between your own multiple memberships, if applicable – like from one of your Business accounts to one of your Personal accounts.

There are some account-type exceptions, though, for scheduling recurring transfers. Those are noted below.

How to Schedule Transfers

The options for sending a transfer “Now” or “Scheduled" for a set date – or on recurring basis – will appear after the TO account is selected.

Exceptions to What You Can Set as Recurring

You won’t be able to set up recurring transfers from every account type. If you select a loan as your FROM account, you won’t see the option to schedule it on a recurring basis. You also won’t be able to schedule recurring principal-only payments to a loan. But you can always set these up as one-time transfers.

There are also “transfer from” limitations with the WINcentive™ Savings account.

Transfer to an Outside Account

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.

Set up an External Account

External accounts are set up from Transfer screen in digital banking (Transfer Money in online banking). This process is automated if you log in to your other bank to establish a link.

Otherwise, you can use 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’ll stay in your list of accounts to transfer to.

Use Bill Pay

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.

On a mobile device
Select the Pay option from the bottom navigation. You can add and manage payees, schedule payments, and see your payment history within the app.

On a laptop
Select the Pay Bills menu item from the purple navigation bar at the top, then select the Go to Bill Pay button and you'll be directed to the Payment Center website.