New Digital Banking is now LIVE. We appreciate your patience during this upgrade.

TROUBLE LOGGING IN/LOCKED OUT

My Mobile Banking app is not working. What should I do?

You will need to download the new Advantage Financial Digital Banking app to your phone or tablet. This is an entirely new app so it will not be automatically updated.

Download the new Digital Banking App at:

Apple Store
Google Play
*Message and data rates may apply

I am locked out of Digital Banking. What do I do?

Desktop/Laptop Browser: Go to www.advfcu.org and select Online Banking and when Prompted for your Username select Forgot? Follow the on-screen prompts. If you do not know your Username, click “Try Another Way” at the bottom of the screen.
Mobile App: Open your app and select Forgot? Follow the onscreen prompts. If you do not know your Username, click “Try Another Way” at the bottom of the screen.

USERNAME AND PASSWORD ISSUES

Can I use Biometric Login (Face ID or fingerprint)?

Yes, but not the first time you log into the new system. If you were using the biometric login (fingerprint or face ID) to log into our old system you will need to use your Username and Password the first time you log into the new system. Once you log in, you can activate the biometric login within the new system.

What are my Digital Banking Username and Password?

Your username and password should not change as a result of this upgrade. Please use the same username and password you were using previously.

What if I forgot my Digital Banking Username?

Desktop/Laptop Browser: Go to www.advfcu.org and select the Online Banking button. Under the Username prompt click Forgot. On the Account Recovery screen select “Try another way” at the bottom of the screen.
Mobile App: Open your app and select Forgot? Follow the onscreen prompts. On the Account Recovery screen select “Try another way” at the bottom of the screen.
You may also contact Member Services at (800) 822-6875 for additional assistance.

What if I forgot my Digital Banking Password?

Desktop/Laptop Browser: Go to www.advfcu.org and select the Online Banking button. Enter your Username and click Continue. Under the Password prompt click Forgot. On the Account Recovery screen enter your username and email address. Choose to have the Reset instructions sent to your email account (you cannot use the SMS text from a desktop/laptop computer). Follow the instructions in the email. You must reset the password on the same device from which you requested the reset instructions.
Mobile App: Open your app and select Forgot? Follow the onscreen prompts. On the Account Recovery screen enter your username and email address. Choose to have the Reset instructions sent to you via SMS text or email. If you choose email, you must open the email from your phone or tablet. You are required to reset the password on the save device from which you requested the reset instructions.
You may also contact Member Services at (800) 822-6875 for additional assistance.

What if I forgot my Mobile banking passcode or exceeded the maximum number or tries?

The mobile app will require you to set up a passcode in order to open the app. Once this is set up, if you enter the wrong passcode five times or more, for security purposes, the “passcode” will no longer work, and you will be required to re-authenticate yourself using your username and password. Then you can set up a new “passcode”. If you do not know your username and/or password, click “Forgot?”.

How do I change my Digital Banking Password?

Log into Digital Banking:

Desktop/Laptop Browser: Click on your Name/Initials/Image in the upper right or lower left corner. Click Personal Settings. Click Security. Next to your Password click Edit. Follow the onscreen prompts.
Mobile App: Select the menu in the upper left of your mobile device. At bottom of menu, click on your Name/Initials/Image. Select Personal Settings. Select Security. Next to your Password click Edit and follow the onscreen prompts.

How do I change my Digital Banking Username?

Log into Digital Banking:

Desktop/Laptop Browser: Click on your Name/Initials/Image in the upper right or lower left corner. Click Personal Settings. Click Security. Next to your Username click Edit. Follow the onscreen prompts.
Mobile App: Select the menu in the upper left of your mobile device. At bottom of menu, click on your Name/Initials/Image. Select Personal Settings. Select Security. Next to your Username click Edit and follow the onscreen prompts.

2-FACTOR AUTHENTICATION (2FA)

What is a 2-Factor Authentication code and why do I need this?

The new digital banking system uses 2-Factor authentication (2FA) as an added layer of security to protect your financial data. With 2-Factor authentication we will send you a code, via text or email, that you will need to enter the Digital Banking system to verify your identity.

2-Factor Authentication is tied to your specific mobile device and/or email address to give us assurances that the person logging into your account is actually you. You should never share 2-Factor Authentication codes with anyone, including the credit union.

Why do I have to provide a verification code (2-Factor Authentication) every time I log in?

2-Factor authentication is a security tool used to ensure you are the one logging in. You can bypass this feature by making your device a “trusted device”.

Desktop/Laptop Browser: When logging in, click the box that says, “Don’t ask for codes again while using this browser.” This makes your computer a trusted device. However, if you use a different device that you have not labeled a “trusted device,” or if you delete cookies or clear the cache on your device you will be prompted to complete the 2FA again. In these instances, you will need to check the “Don’t ask for codes again while using this browser.” box again.
Mobile App: You can eliminate the “Passcode” requirement by activating the biometric login feature in the digital banking app. You will then use Face ID or fingerprint for additional security.

I have made my computer/laptop a “trusted device”, but I still have to complete the 2-Factor Authentication. How do I correct this?

If you are being asked for a verification code each time you log in, it may mean cookies have not been enabled in your browser. Find your web browser listed below and follow the instructions to enable cookies:

Chrome:

Click the Tools Menu (three dots . . . ) in the upper right of your computer browser screen.
Select Settings
Select Privacy and Security.
Select Cookies and other site data.
Select Allow All Cookies or Block third-party cookies in Incognito, depending upon your preference.
If your preference is by site, scroll to Sites that can always use cookies and click Add. Enter my.advfcu.org and check the box including all cookies. Click Add and you’re finished.

FireFox:

Click the Tools Menu (three bar or hamburger menu) from the top tool bar.
Select Settings.
Click Privacy & Security.
Under History select Use custom settings for history from the drop-down menu beside Firefox will.
Ensure that the checkboxes for Accept cookies from sites and Accept third-party cookies are both checked.
Click OK.
If your preference is by site, scroll to Cookies and Site Data. Select Manage Exceptions. Enter my.advfcu.org. Click Allow and you’re finished.
For more information on Mozilla, please see Firefox Help for more instructions on enabling cookies.

Using Edge:

Click Tools Menu (three dots . . . ) in the upper right of your computer browser screen.
Scroll to
Select Cookies and site permissions.
Select Cookies and Site data.
Select Allow sites to save and read cookie data (recommended) by moving the toggle button to the right.
If your preference is by site, in the Allow box, click Add, then add advfcu.org, check Enable third-party cookies on this site. Click Add and you’re finished.

Using Safari:

Click the Safari menu from the top toolbar.
Choose Preferences.
Click the Privacy tab.
Click the Never checkbox for Block Cookies.
For more information on Safari, please see Apple’s Help Center67.

Note: Internet Explorer (IE) is not supported.

TRANSACTIONS

Are my Digital Banking transactions secure?

Yes. Advantage Financial provides secure financial services through a protocol known as the Secure Sockets Layer (SSL).

How can I deposit checks without going to a branch or ATM?

Checks can be deposited using the mobile app. You cannot deposit checks from the desktop/laptop. From within the mobile app, choose Deposit Checks from the menu and follow the onscreen prompts. Be sure to endorse your check properly. The endorsement should say “For Mobile Deposit Only, Advantage Financial FCU (or ADV FCU),” followed by your signature and member number.

How do I make a credit card payment in Digital Banking?

You can make a credit card payment from an Advantage Financial share account within Digital Banking:

Select Accounts
Click on your Visa card account from the menu.
To make a Payment, select Transfer.
Select the account (checking share, money market) the payment will be taken from.
Fill in the amount of the payment.
Click Submit.

If you have additional questions, please contact Member Services at (800) 822-6875.

How much of my account history can I view in Digital Banking?

You may obtain up to 12 months of activity through Digital Banking. You can also view up to 18 months of statements in Digital Banking (online only) if you are enrolled in eStatements.

Can I still transfer money between my accounts within Advantage Financial?

Yes, you will still be able to transfer money between your various accounts at Advantage Financial. Any automatic transfers you currently have set up with us will continue in the new system.

EXTERNAL TRANSFERS

How do I transfer funds to and from another institution in Digital Banking?

Initially you will not be able to initiate external transfers to/from another financial institution from within the new system. We are currently working to upgrade our transfer capabilities, but this will take more time. Once complete you will see greater functionality and ease of use.

What about the External Transfers I currently have set up?

Any external transfers which are currently initiated by Advantage Financial FCU through the External Transfer feature will be discontinued as of February 3, 2025. You will need to re-establish these transfers once our new external transfer capabilities are in place. You can continue to send money to another institution through Bill Pay but, in some instances, this takes a bit longer.

What about the external transfers I set up at another institution?

Any existing external transfers you have asked another financial institution to initiate (either into or out of your account) should not be affected. Only transfers initiated by Advantage Financial are impacted.

We are in the process of implementing a new external account-to-account (financial institution-to-financial institution) transfer system which could not be completed in time for this conversion. Look for a more robust system of account-to-account transfers in the coming weeks.

MEMBER-TO-MEMBER TRANSFERS

Can I transfer money from my account at Advantage Financial to someone else’s account at Advantage Financial?

The ability to transfer money to any other any other member of the credit union is available but requires a one-time intervention by credit union staff. If you would like to take advantage of this feature, please contact your local branch.

Once your branch has enabled this feature click Member transfers and follow the on-screen prompts. You will need to know the member’s account/member number as well as the correct spelling of their last name to make the transfer.

If another member transfer money into my account using Digital Banking, can they see my balance?

No, the person transferring the money to your account cannot see any of your balances, transactions, or account history.

STATEMENTS AND DOCUMENTS

Can I view and/or print out my statements using Digital Banking?

If you have enrolled in eStatements you can view and print statements from Online Banking only. If you are still receiving paper statements, you will not be able to view or print your statements. You will, however, be able to view your account history, it just will not be in the formal statement format.

Select the Statement tile from the Dashboard.
This will take you to the Statement screen.
Select the statement you wish to view.
Select save or print.

How much of my account history can I view in Digital Banking?

You may obtain up to 12 months of activity through Digital Banking. You can also view up to 18 months of statements in Digital Banking (online only) if you are enrolled in eStatements.

Can I view my mortgage account in Digital Banking?

Yes, but this functionality is limited to viewing your balance and payment information. You will not see your transaction history. You will not be able to make payments to your mortgage at this time. We hope to offer this service once our new external transfer functionality is in place.

Can I view my credit card statements?

Yes. From the dashboard:

Select Accounts,
Click the Visa credit card account button.
Click the MyCardInfo button. Initially, you will need to log into https://advfcu.mycardinfo.com/ like you do today (same username and password). In a few weeks the login requirement will go away.

What types of accounts can be viewed with Digital Banking?

You can view all of your share accounts through Digital Banking. You can also see any loans you have. Any mortgage loans will only include very basic information such as balance and payment amount. The same is true for Visa credit cards. Your complete Visa credit card information can be viewed by clicking the MyCardInfo tile on your credit card page.

Can I access other documents such as direct deposit and wire transfer forms?

Yes. From the menu click on Member Service Forms and you will be able to access many of the credit union forms.

STOP PAYMENT

How do I place a Stop Payment on a check?

This can only be done through Online Banking. Mobile banking does not support Stop Payment functionality. Log into Digital Banking and select your Checking account. You will see a tile labeled Stop Payment. Follow the prompts on screen. You can only place a Stop Payment Order on checks you have written. To place a stop payment order on a check issued by the credit union (withdrawn from your account) please call us at 800-822-6875. To place a stop payment order on a check issued through Bill Pay, call Bill Pay directly at 888-817-1874 or contact the credit union.

ALERTS

How do I set up alerts for my accounts?

There are 2 types of alerts in our Digital Banking system, User alerts and Transaction alerts.

User Alerts: These alerts tell you when something about your banking profile has changed such as your mailing address, phone number, email or password. You can decide how you would like to receive these alerts: email (required) and SMS text and/or In-app notifications.

Log into Digital Banking
Click on your name/initials/image in the lower left or upper right corner.
Click User alerts.
Select the delivery method for each alert shown.

Transaction Alerts: These alerts are tied to individual share and loan accounts you have with the credit union and are based on the balances or types of transactions you wish to be notified of.

Log into Digital Banking
Click on the Share or Loan account for which you would like to establish an alert.
Click the Alert preferences button.
Click Balances, transactions, and deposits.
Choose either Balance or Transaction.
Click Add alert.
Follow the on-screen prompts.

CARD CONTROLS

How do I turn my debit and/or credit card ON/OFF?

This feature is controlled by the ADVFCU CrdCtrl app. Due to the system upgrade this feature will not be immediately available on February 4, 2025. Once we complete some changes to the ADVFCU CrdCtrl app over the next few weeks you will be able to control your card again.

BILL PAY

What changes will there be to the bill pay system?

We have not changed Bill Pay providers as part of this upgrade. All of your bill pay information will come over to the new system.

Will I need to set up my payees in Bill Pay all over again?

No, your list of payees should automatically transfer to the new system.

Will I need to re-enroll in Bill Bay.

No. In fact, please do not re-enroll in Bill Pay. This could eliminate your payees and recurring payments. Enrollment is for members who have never used Bill Pay before.

Will I need to re-schedule my pending bill payments?

No, your pending bill payments or transfers will not be affected by this upgrade.

PERSONALIZE YOUR DIGITAL BANKING EXPERIENCE

You can create a Digital Banking experience that suits your taste. You can hide those things you don’t want to see and make those you use most often front and center.

Personalize your dashboard:

Click the … within any menu tile.
Click Organize Dashboard
Click the six-dot grid to the left of a menu tile to drag and drop the tile into the position you prefer.

Personalize your account:

You can add a photo, image or logo to your profile.
Select your Name/Initials/Image from the upper right or lower left menu.
Click on Personal Settings
Click on the pencil and add an image from your computer or phone.
Crop/adjust the image as needed and save.

ACCOUNT AGGREGATION

Why is my account aggregator (Mint, Plaid, Paypal, Yodlee, Quicken, etc.) not working?

With our Digital Banking update, the web address of our login page has changed. Due to this change, third-party vendors such as (Mint, Plaid, PayPal, Yodlee, Quicken, etc.) need to update their systems to link to our new Digital Banking site.

We suggest you contact the company’s customer service directly to notify them of the new Digital Banking web address https://my.advfcu.org/login

GENERAL QUESTIONS

Is there a session time limit?

You will be logged out after 10 minutes of inactivity.

Do I need to re-enroll in the new system?

You should not have to re-enroll if you were previously enrolled in online and/or mobile banking.

Who can I call if I am having technical problems with Digital Banking?

You may call us at (800) 822-6875.

How do I order checks through Digital Banking?

Once logged in to Digital Banking, from the left menu:

Select Accounts
Select Checking
Select and click the Order Checks button.
To finish placing your order, follow the onscreen instructions.
To return to Digital Banking, click the back arrow.

What should I do if I lose my phone or laptop?

Notify the credit union ASAP. We can remove the lost device from the list of trusted devices, making it much more difficult for a thief to access your accounts.

How do I change information on my account such as my address, email, phone number, etc.

Click your Name/Initials/image in the upper right or lower left corner and select Personal Settings.
Click Profile to change address, phone or email address.
Click Edit under the information you wish to change.

BROWSERS AND OPERATING SYSTEMS

Are all iOS and Android operating systems compatible with the new Digital Banking app?

Apple: Mobile Digital Banking requires iOS version17 or higher. If your iPhone will not support iOS 17 then you will not be able to use the mobile banking app. This will affect anyone with an iPhone 8, 8 Plus or iPhone X. This is a security issue.
Android: Mobile Digital Banking requires 8.0 Version or higher.

Please make sure your operating system is up to date.

Are all internet browsers compatible with the new Digital Banking?

All of the major browsers (Chrome, Edge, Firefox, Safari) are compatible. Other lesser-known browsers have not been tested for compatibility and may not work. The security measures we put in place to keep your data safe require the use of up-to-date browsers. As new versions of browsers are released, we may no longer support the older versions. We recommend ensuring your browser and devices are up to date. The new Digital Banking platform is supported on these browsers:

Google Chrome: Digital Banking requires the current version of Chrome or the most recent previous version. If Chrome is two versions older than the current version, you may be denied access.
Apple Safari: Digital Banking is only supported on the latest version of Safari. Approximately 60 days after a new version is released, Digital Banking may deny access to older versions of the browser.
Microsoft Edge: Digital Banking will be supported in the latest version only. Approximately 60 days after a new version is released, Digital Banking may deny access to older versions of the browser.
Mozilla Firefox: Digital Banking requires the current version of Firefox or the most recent previous version. If Firefox is two versions older than the current version, you may be denied access.