Learn More

Online & Mobile Banking

Access your accounts anytime, anywhere

Digital banking from American United Federal Credit Union shows our commitment to convenience for you our member.

loginEnrollReset Password

Download Mobile App

  • Search for “AUFCU” or “American United” to download
  • All online banking features are accessible through the mobile app
IOS App StoreGoogle Play

Online & Mobile Banking


Bill Pay

Mobile Deposit


Zelle® Payments

order checks

Online & Mobile Banking

  • Conveniently check your account balance and all transactions in real-time
  • 24/7 access using your computer, phone, or tablet (same look and features across devices)
  • Securely pay your bills, even in advance, knowing they will be paid on-time
  • View accounts, payment history, cleared checks, notices, tax documents, and statements
  • Set-up email and text notifications for low account balance alerts or payment reminders
  • Securely transfer funds between internal and external accounts
  • Multiple ways to make loan payments
  • Easily deposit checks with mobile deposit
  • Sign up to receive electronic statements
  • Receive messages about new offers, announcements, and updates

Electronic Statements & Notices

  • Same exact appearance as printed statements
  • 24/7 online access to view and download up to 24 months of history
  • Less waste, more secure, and no more shredding or piles of printed statements
  • Help prevent identity theft by removing your personal info from travelling by mail
  • Eliminate the cost of printed statements so that we can pass the savings on to you
  • Earns End-of-Year Member Reward Dividend
  • To enroll, login to online banking, select “Services”, then “eStatement Enrollment”, and accept agreement

Automatic Bill Pay

  • Manage and pay bills conveniently online from anywhere
  • Set-up automatic payments to avoid late fees
  • Easily pay all of your bills (utility, gas, mortgage, medical, credit cards, etc.)
  • Easy to get started, just enroll in bill pay, add a payee, and schedule a payment
  • Ability to search full payee directory (credit cards, utilities, etc.) or add new payees
  • Receive email and text notifications
  • Earns End-of-Year Member Reward Dividend for active bill pay
  • To enroll, login to online banking, select “Transactions”, then “Bill Payment”, and accept agreement

Mobile Deposit

  • Use your mobile device camera to deposit checks from anywhere
  • Must write “For AMUCU Mobile Deposit Only” on the back of the check
  • Mobile deposits after 3 pm MST will process the following business day
  • Deposit checks by choosing the account, entering the amount, and submitting photos of the front and back
  • To enroll, login to mobile app, select “Services”, then “Mobile Deposit Enrollment”, and accept agreement

Money Desktop

  • An online money management tool integrated into our online banking
  • Consolidates and organizes expenses from multiple accounts into one platform
  • Easily check all of your bank account, credit card, loan, and investment account balances
  • Add any type of account from any institution
  • Create custom groups to track anything you want
  • Simple interface for tracking expenses that automatically categorizes your transactions
  • Makes budgeting easier and less overwhelming
  • To get started, login to online banking, select “Money Desktop”, and then “Send Money with Zelle®”
Money Desktop

Zelle® Payments

  • The fast, safe, and easy way to send money to friends, family, and people you trust
  • Split the ticket after dinner with friends or send birthday money to grandkids
  • Access to Zelle® through the American United mobile app
  • Send money directly from your account to theirs, regardless of where they bank
  • All you need is their email address or U.S. mobile phone number to send money
  • If someone’s bank doesn’t offer Zelle®, they can simply download the Zelle® app
  • To get started, login to online banking and select “Send Money with Zelle®”
  • Click on the button below to learn more about Zelle® and view FAQ’s
Zelle® Payments

Order Checks

  • The easiest way to reorder checks is through online banking
  • Login to online banking, select “Services”, then “Reorder Checks”, and choose which account

Because life is so busy these days, anytime there is an option for convenience I'm going to consider it. Online banking at American United has exceeded all of my expectations. I can easily take care of all of my banking needs from the mobile app. If I have questions, I simply call their local contact center for immediate support. This is my first time using online banking and it's been time well spent!

American United FCU Member


Frequently Asked Questions

Can I change my Login ID?
Yes. Once you are enrolled and logged into your account, you can change the log in or password using the menu on the left side, scrolling down to Preferences and then clicking Security.


How do I change my password if I forgot it?
You can change your forgotten password by clicking on the “Forgot Password?” link on the initial login screen.


I changed my password yesterday, and today it does not work?
If you change your online banking password, you will need to erase the old password when your browser pre-fills it and then type in your new password. Once you do this, your browser should display a prompt, allowing you to choose if you want the browser to remember this new password.
How long is my secure access code valid?
20 minutes
How long is my temporary password valid?

24 hours

How long until I'm logged out of my account?

15 minutes with no activity

Maximum of 60 minutes with activity (mouse clicking)

What happens if I don't log in to my account?
If there are no logins for a period of 90 days, the account will be locked.


Can I make changes to a recurring transfer?
No, a recurring transfer may only be added or cancelled, not edited. Go to the “Online Activity” option in the toolbar, highlight the transaction and select the “Cancel” option in the menu just above it. 


How do I cancel a transaction I created?
Go to the “Online Activity” option in the toolbar to the left of your account information. Once in “Online Activity,” highlight the transaction you wish to cancel and select the “Cancel” option in the menu above it.


How do I get transactions into Quicken/Quick Books?
Once you are logged into your account, go to the “History” option in the toolbar. You will then see a dropdown button that says, “Display . . .” Select that dropdown and pick “Export to File.” Next, in the dropdown just to the right, select your appropriate choice.


I keyed in a transfer a week ago and it never hit my account. What happened?
You may have created a draft of your transfer and may not have approved it. To do so, go to the “Online Activity” option. From here you may approve any pending transactions.


How quickly are transactions posted with online banking?
Online banking transactions occur instantly in “real time” during our normal operating hours. Outside our normal operating hours, your transactions will affect your available balance but the transaction history will not show until the next business day.

Contact us with any questions you may have

  • Local Utah-based Contact Center
  • Available anytime during business hours
  • Monday thru Friday: 9 am to 5 pm MST
  • Support for any of your financial needs
Contact Us