Digital Banking FAQ

A username, also known as a Login ID, is a unique identifier that you create to access your account. Unlike using an Account Number, a username is both personalized and easier to remember. ATFCU is transitioning to using usernames exclusively for enhanced security and a more member-centric approach. This change eliminates the need to log in with an Account Number, ensuring a more secure and streamlined login process.

To ensure a seamless transition to our new digital banking platform, we encourage you to set up or recover your digital banking username ahead of time. Simply visit atfcu.org, click on “Login”, and then select “Retrieve Username” and follow the steps. Additionally, please update your contact information to stay informed about the upgrade and other important notifications by using the secure messaging feature in online banking, calling, or visiting a branch. It’s also a good opportunity to ensure all joint account users are properly added.

In our new system, you'll have the flexibility to highlight your favorite accounts on a streamlined dashboard for easy access, while other accounts will be neatly organized in an account overview page. You can sort and view these accounts in your preferred order, allowing for a customized and organized view of your finances.

• Financial Tools: Experience the ease of mastering your credit scores and making informed financial decisions with our financial tools SavvyMoney and setting goals. SavvyMoney provides the convenience of real-time access to your credit score, paired with financial education content. You'll also be able to enhance your financial well-being with personal financial goals you can set.
  
  
• Account Consolidation: Seamless management of your ATFCU financial accounts with our All-in-One platform. This streamlined solution offers a unified view of all your ATFCU accounts, including joint accounts, simplifying how you monitor your finances from a single location. Additionally, it allows for the integration of external accounts, enabling comprehensive monitoring through our Digital Banking platform.
  
  
• ClickSWITCH: Managing direct deposit information can be a complex task, especially when transitioning between banks or jobs. ClickSWITCH is an innovative online banking tool designed to simplify this process, ensuring a seamless and efficient management of your direct deposits.
  
  
• Instant Pay: Our new peer-to-peer transfer feature lets you send money effortlessly to anyone using their contact details, with options for recipients to receive funds via debit card, Venmo, or PayPal. This integration means less hassle and no need for multiple apps like Zelle, Venmo, Cash App, and PayPal to manage your transfers. Instant Pay is not be available for our True Youth Accounts at this time.
  
  
• CardSwap: Maintaining numerous subscriptions and automatic payments can be a hassle, especially when your card details change. With CardSwap, you can easily update your card information in one centralized location. The process is simplified for a wide range of platforms from a list of service providers that is updated regularly.

External transfers allow you to move funds between your accounts at different financial institutions. For example, you can transfer money from your account at Austin Telco to an account you hold at another bank. To use this service, your name must be on both accounts. Digital Banking offers linking accounts through Plaid for instant verification.

When you connect your account to a financial institution via Plaid, you might notice what appears to be incorrect or random account number information. This discrepancy arises because some financial institutions, like Chase Bank, use a secure API that provides a Virtual Account Number (VAN) or Tokenized Account Number (TAN) instead of your actual account number.

The use of VANs or TANs enhances security by ensuring your personal bank account number isn't shared with any third-party apps or services. However, some apps/services might display the last 4 digits of these virtual numbers instead of the last 4 digits of your actual account number.

Rest assured, the presence of a VAN or TAN should not impact the status of your transfers or any other money movement activities. It’s simply a security measure and should not hinder your ability to send or receive funds.

Bill Pay requires pop ups to be allowed on our Digital Banking Platform. If you have pop ups blocked, this could be causing the error to appear and forcing you to log in again.