Mobile App FAQs
What is AmeriChoice FCU’s mobile banking?
AmeriChoice Mobile Banking allows members to easily access their AmeriChoice accounts from any supported phone or tablet. You’ll be able to easily check balances, transfer funds, make a deposit and so much more from the palm of your hand.
How much does it cost?
Access to Online and Mobile banking is FREE! AmeriChoice does not charge a fee for either of these services. However, data rates may apply through your mobile carrier. For more information about any rate charges, please contact your mobile carrier directly.
What phones are supported and where is the service available?
Mobile banking is currently supported on iPhone, iPad and Android/Droid devices.
What do I need to start using mobile banking?
To being using Mobile Banking, you’ll need to sign up for the service with one of our Member Service Representatives, either in the branch, or by calling 717-697-3474 option 0. Once you’re signed up, you’ll receive an email from AmeriChoice with directions on how to set up Online and/or Mobile Banking. You’re able to set up a profile on either Online or Mobile Banking and it will work on both.
How do I activate mobile banking?
Download the AmeriChoice Mobile App through the Apple Store or Google Play Store and sign in using your Online Banking username and password. For security purposes, you’ll be prompted to check your email for a one-time PIN to register your device.
Is mobile banking secure?
Yes, Mobile Banking is covered by the same security as our Online Banking. To learn more about our security and read our Internet Privacy Policy, click here.
What should I do if I lose my phone?
Change your password for Online Banking immediately, since that password is also used for Mobile Banking and report the loss of your phone to your carrier immediately. Monitor your account closely to ensure that there are no unauthorized transactions on your account.
Can I use my current credentials to access the app?
Yes, current Online Banking users just need to download the mobile app through the Apple App Store or Google Play Store. Log in credentials are the same for current users of AmeriChoice’s Mobile or Online Banking. Follow the directions above for activating the Mobile Banking app. Users who have a mobile device with capabilities will be able to use biometrics (Touch or Face ID/Fingerprint Access) to log into the app.
Can I log in using my fingerprint or Face ID?
Yes! If your phone has those capabilities, you’ll just need to give permission in your settings to log in using biometrics.
What features are available on the AmeriChoice Mobile App?
- Touch ID/Face ID for iOS and Fingerprint access with Android Mobile Deposit (See below for Mobile Deposit instructions)
- Skip A Pay
- Apply for a new loan/open a new share
- Secure email
- Account to Account (A2A) for and from your other financial institution accounts
- Check images
- FOCUS Personal Financial Management Tool
- Access to eStatements
- eZCard (VISA history)
- Set up account alerts
- Ability to create a new user account with mobile only. No need for a PC!
- Ability to reset your password if you forgot it
What is A2A?
Account to Account transfer (A2A) is a quick way to send funds from your account at AmeriChoice to an outside financial institution. You’ll need that financial institution’s routing number and the name and account number the funds will be deposited. Please note that A2A is not instant and can take 3 business days to arrive at the outside account.
Some of these features aren’t listed on the tiles on the home screen. Where can I find them?
If one of the features aren’t listed, checkout the “hamburger menu” (the 3 lines at the top left of the screen) for many more of the features you’re looking for in the mobile app.
Does AmeriChoice Mobile Banking allow mobile deposits?
Yes! Members have the ability to remotely deposit a check to their accounts. Simply endorse the check by signing your name and add “For AmeriChoice Mobile Deposit Only” before taking a picture of the check by tapping anywhere on the screen and selecting which share you’d like the funds to be deposited.
Members are also able to view their deposit history through the mobile app. When members “view history” they will see the checks in one of three statuses:
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- Pending- This has yet to process
- Submitted- Check has processed, there will be no holds on it
- Cancelled- This check was rejected for some reason, usually due to incorrect endorsement
Once the check has been deposited, please keep it in a safe place for 6 months, then you are able to shred it.
How do I transfer money to my other accounts at AmeriChoice and other Financial Institutions?
Select “transfer funds” tile from the home screen. A pop up will appear, asking if you want to transfer the funds within AmeriChoice, or if they’re going to another institution. If the funds are staying at AmeriChoice, you’ll select the account they’re coming from and which account they’re going to and the amount that you’re transferring. If the funds are leaving AmeriChoice, you’ll need that financial institution’s information (routing number and account number) and the transfer could take a few days to arrive to the outside account.
Can I make a loan or VISA payment in the app?
Yes! Payments can be made using the “transfer” button. Simply select which account you want the funds to come from and which share you want the funds to go to.
What if I need to contact you?
Members are able to securely email us through the mobile app. Access your secure email box using the hamburger menu at the top left of the screen and selecting eMailbox. You’ll be able to see any new, sent or archived messages there.
I need to apply for a loan, how should I do that?
You can apply for a loan using the “Apply for a Loan” button on the home screen of the app. Simply input your information and one of our financial service representatives will be in contact with you shortly.
Are Skip A Pays available through the app?
Yes! You can apply to skip an upcoming loan payment in the app. Just fill in your information in the Skip A Pay link and someone will be in contact with you.
What if I forget my password?
You’re able to reset your password from the log in screen of the app. Just select “forgot password” and follow the prompts to reset your password.
Can I use AmeriChoice’s electronic bill payment on my phone?
Yes! Electronic Bill Payment is available through the Mobile App, along with the same capabilities, such as adding a new payee or scheduling a payment, as in Online Banking. Simply sign up for Electronic Bill Payment (either with one of our representatives or through Online Banking). Once you’re signed up for Electronic Bill Payment, you’re able to set up payees (you’ll need their name, address and account number). Please note, that Electronic Bill Payment is a free service, but must be used once every two months, otherwise there is a $7.50 fee. If you won’t be using the service, please let us know so we can remove that from your account and not charge you.
What is FOCUS?
FOCUS is our free personal financial management tool available to all members who use online and mobile banking. Members are able to input all of their accounts and see their complete financial picture in one place. For more information about FOCUS, check it out here!
How do I set up account alerts?
You’re able to set up account alerts through the Mobile and Online banking, along with FOCUS. These alerts are a great way to manage your accounts if you find that you need a little reminder that you’re getting close to a set “low balance”, want to know that a check cleared your account, or that you received a deposit.
Mobile App:
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- Select “Alerts” from the hamburger menu at the top left of the screen
- In the “Add Alert” menu, select the alert type and which account
- Click “Submit” and you’ll be notified when
Online Banking:
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- Select “Alerts” from the blue menu bar at the top of the screen
- In the “Add Alert” menu, select the alert type and which account
- Click “Submit” and you’ll be notified
FOCUS:
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- Select “FOCUS” from the blue menu in Online Banking
- Click “Alerts” and then the green “Add an Alert” button
- Select the alert type you want and that you want to be alerted via email (otherwise it will only show in the FOCUS dashboard)
FOCUS Alerts can also be set up in the mobile app by selecting FOCUS from the hamburger menu at the top left. Once in FOCUS, select “Alerts” from the hamburger menu and follow the directions above.