Person looking at their accounts on the new AOCU mobile app.

Digital Banking

It's the anytime, anywhere way to take care of financial matters

Use your computer or phone to connect with your accounts.

Jobs, families, hobbies and volunteer work - with everything you have on your schedule, it's not easy to find time to stop at an Advantage One branch. Not to worry, we provide a number of ways for our members to check balances, transfer funds, make deposits and do a good deal more whenever they have a few minutes to spare. 




Computers make it easy to connect with friends, shop for good deals and find out what's going on in the world. Your laptop and desktop are also excellent ways to stay in touch with your Advantage One accounts. Online Banking provides you with free1 access any hour of the day or night.

  • Check account balances and review past transactions
  • View cleared check copies
  • Transfer money between your Advantage One accounts and with other financial institutions
  • Link your external accounts (outside bank accounts, investments, etc.) within Online Banking and see all your accounts in one convenient spot. 
  • Control your AOCU cards with Card Management
  • Make loan and credit card payments
  • Make payments and set up payees with Bill Pay
  • Access your Advantage One Visa® account balance summary
  • Check your Rewards and redeem points
  • Create custom email and text alerts based on account activity
  • Check your credit score for free with SavvyMoney
  • Set up custom savings goals and budgets
  • Quickly apply for a loan and track the status of the application
  • Change your background to fit your mood with customizable themes

Need a little assistance? Check out our Learning Library, your one stop shop for Digital Banking tutorials!



Whether you're on the job, doing some shopping or socializing with friends, Advantage One’s free1 Mobile Banking App gives you 24/7 access to your accounts with your tablet, smartphone or other smart device.

  • View your account summary, including account balances and transaction history
  • Easily transfer funds between your AOCU accounts
  • View your balance before logging in by enabling the Snapshot Account Summary
  • Thumbprint and Face ID Login
  • Make payments and set up payees with Bill Pay
  • Control your AOCU cards with Card Management
  • Deposit checks remotely using your mobile device’s camera
  • Access your Visa account balance and recent transactions
  • Locate a fee-free ATM near you
  • Get in touch with the Member Contact Center
Available on the App Store
Android app on Google Play
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S.. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc.Standard data charges from your mobile carrier may apply.
Do you prefer using a smartphone or tablet instead of a home or office computer? Our free1 Mobile Web Banking service is safe and secure and provides you with most of the features you have available through Online Banking without having to download our Mobile App.

  • View account activity
  • Transfer money between accounts
  • View check images
  • Pay your bills with Bill Pay
  • Make loan payments
  • Locate fee-free ATMs
  • Get in touch with the Member Contact Center



Mobile Deposit makes depositing most checks as easy as snapping a few photos with your mobile device. This free1 , secure process gives you faster access to your funds. To get started: Log into your accounts through the Advantage One Mobile App using your username and password.

  • Choose the "Deposit Check" icon at the bottom
  • Register for mobile deposit and accept the agreement2
  • Select which account you would like to deposit to 
  • Enter check amount
  • Take pictures of the front and back of your endorsed check with your mobile device's camera, following the on-screen instructions. Make sure the back is endorsed with “For AOCU Mobile Deposit Only.”
  • Confirm your details and press "Submit Deposit"
We’ll confirm that the check is being processed and that your deposit was successful. Please retain your check for 60 days, as check images are not saved on your device.



Audio Banking is Advantage One's user-friendly service that provides you with automated access to your accounts and our office hours and locations. Call 1-833-3-MYAOCU (1-833-369-2628), enter your account number and PIN,  and the voice will guide you through all of your transactions.

  • Transfer funds
  • Make loan payments
  • Check account balances
  • Hear account history
  • Apply for a PIN by calling 734-676-7000 and speaking to a Contact Center Representative























Advantage One CU is a credit union serving members in Michigan and across the country.

1AOCU does not charge a fee for this service, however, third party data and/or text messaging rates may apply. 
2Mobile Deposit access is subject to approval. Privileges may be revoked at any time.



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