Online Banking

Online banking is easy, secure, and completely free.    

  • Transfer funds between accounts or between your Andrews Federal account and your accounts at other banks or credit unions for free
  • Pay your bills and loans (including credit cards) automatically and get free e-bills
  • View recent activity, transactions, and eStatements
  • Integrate personal financial management program such as Quicken®
  • Open new Money Market, Share Certificate, or Club Share accounts
  • Place check stop payments for free
  • Change your statement preference.  There is a $5 monthly fee for paper statements.  eStatements are free.
  • Manage your money with SmartFinance

Online Banking Enrollment

Ready to enroll?  Here's how:

  1. Enter your 9-digit member number in the online banking login box at the top of the page,
  2. At the login screen, click on “Not a user? Click here to apply”,
  3. Read the disclosure and click “I Agree”,
  4. Enter your verification information:
    • Social Security Number
    • Account Number
    • Email address on file
  1. Enter your personal information:
    • Name
    • Address
    • Date of Birth (mm/dd/yyyy)
  1. And verify your email address and follow the remaining steps.

Q: How secure is my personal information?
A: The online banking site uses 128-bit encryption which ensures unauthorized individuals cannot view your personal information. Access is also protected by ensuring only you know your online bankingID and password. The security questions you set up, along with your callback number, provide additional account security.

Q: I keep getting kicked out of online banking after I’ve logged in. What’s wrong?
A: Online banking logs automatically logs you out after 10 minutes of inactivity. Make sure you disable pop-up blocker on your browser to see the inactivity warning prior to being logged out.

Q: How to reset a password?
A: The password reset option must be selected from online banking in order to request an email with instructions to reset your password.  If the account is frozen, the credit union must be contacted to unfreeze the account. 

Q: How do I transfer to or from another financial institution (FI)?
A: Click on "Other Institution Transfers" and follow the prompts to enroll. 

Q: What is the Share ID and when it is used?
A: The Share ID is a 4 digit number that is used to identify the type of account.  The share IDs may differ based on the account types for each member as shown on your statement.

For example: Savings: 0000 or Checking: 0040

When transferring funds to another member’s account the share ID that is to receive the funds is required to be entered.

Q:  I live in Europe and I’m having trouble with entering my bill pay information in Bill Pay.
A:  Members with a true international address are currently not permitted to connect to bill payment services unless the bill payee address is in the United States. This is typical of bill payment companies.  Learn more about Euro Bill Pay as an option.

Should you still have questions, give us a call at 800.487.5500 (U.S.) or 0800.487.56267 (outside U.S.). We’re here to help you.

Accounts

  • Account Alerts: Receive alerts via SMS text, email, or messaging to keep you informed of your account activity.
  • Debit Card Security: "Freeze" your debit card to prevent future authorizations in Options & Extras.
  • E-statements: Securely view your electronic statements online and avoid the monthly $5 fee.

Move Money

  • Transfer Funds: Transfer funds between accounts or your other credit unions and banks.
  • Bill Pay: Pay bills in online banking or our Mobile App or make Person-to-Person payments for free.
  • Stop Payments: Stop payment on a check for free.

And more

  • Visa Credit Cards: Access your credit card information, transfer balances, redeem rewards, and more.
  • Transaction History: View activity history on all accessible Andrews Federal accounts.
  • Transaction Downloads: Download your account transactions to specific budget and accounting software.
  • Remote Check Deposit: Make a deposit.
  • SmartFinance: Set goals, manage your budget and finances.

How to Get the Best Use of SmartFinance

SmartFinance is an account aggregation and financial management service that allows you to view and maintain financial information. This service also allows you to track accounts, categorize transactions, create and maintain a budget and track the success of your financial goals (including your net worth).

To get the best use of the personal finance management options that are available through SmartFinance, please consider following these guidelines:

  • Your accounts held with Andrews Federal are automatically included as part of the service and need not be added. Your Andrews Federal accounts are updated as transactions post to your account and can be used to monitor your monthly spending.  
  • You have the option to add other accounts that belong to other financial institutions (including credit cards), but please consider that in order to view these accounts you will enter the login information that you used to connect to these accounts online.

In some cases, the other financial institution will not permit accounts that are added to be automatically updated, as with the accounts held at Andrews Federal.  If these accounts are restricted from being updated by the other financial institution, there will be an indicator “Problem Updating Accounts” or “Failure Tracking”.