There are two things I know better than most: punk rock and Digital Banking at Apple Federal Credit Union.
Since I can't publish my ranking of Clash albums (obviously London Calling is No. 1), I'll talk about something I care about just as deeply: making banking easier at Apple FCU.
There are plenty of features available through Apple FCU Online and the Mobile App that help move money quickly and securely. Do you know about each of these items?
Rewards and Offers
The hallmark of a great concert, in my opinion, is the stuff you're not expecting. An energetic encore or a live cover you've never heard before—these unexpected items are the best part of the show.
We've updated Apple FCU Online and Mobile App to highlight some items that are worth checking out, if you haven't done so already.
Free Credit Monitoring and Personalized Offers
When you log in to Apple FCU Online or the Mobile App and click Rewards and Offers, you'll see two awesome features.
The first is our opt-in Credit Monitoring feature, which includes an up-to-date display of your credit score. Members who opt in can also see detailed insights, credit alerts and their credit score history.
In the Rewards and Offers section, you'll also see both pre-approved Loan offers and special offers that change every quarter.
PayAdvantage
You can turn eligible Apple FCU Debit Card purchases into monthly installment plans using PayAdvantage, helping spread those payments out over time.*
Use your Debit Card at your favorite spots, then tap Rewards and Offers in Apple FCU Online or the Mobile App. You'll see personalized offers to have specific purchase amounts deposited back into your Checking account.
CashBack+
CashBack+ rewards you when you purchase digital gift cards via Apple FCU Online or the Mobile App. It's simple to use, easy to get started and puts money directly back into your wallet.
There are incredible savings opportunities, some as high as 20%, to go along with great brands like Nike, Lowe's, Starbucks, Southwest Airlines, Target and many more. Tap Rewards and Offers, where you can view personalized digital gift card offers under Buy Gift Cards, Get Cashback.
When you select a gift card, the cashback you've earned will be deposited into your CashBack+ Wallet.
Quick Pay
Sometimes you need to make a Loan payment fast, even when you can't log in. Apple FCU's Quick Pay feature lets you make a quick payment on your Apple FCU Loan using one of two methods:
- A Checking or Savings account (with a routing and account number)
- A Visa®, Discover®or Mastercard®debit card.
No login is required. There's a small fee, but the process is simple, secure and quick. This excludes payments to Credit Cards.
You'll find everything you need to start using Quick Pay, including Terms and Conditions, on our website.
Instant Transfers
Apple FCU has expanded our network of financial institutions that accept real-time payments. This means you can send secure payments instantly between your Apple FCU account and other banks or credit unions.
If you have an account at a bank or credit union participating in either of these networks, you can transfer money in a matter of seconds by linking your external account.
For security reasons, Apple FCU will verify account information before the first transfer. You will receive a trial balance alert via email within three days of setting up the transfer. This is to protect you from potential fraud.
View the full guide with detailed instructions on our website.
Bill Pay
Before Bill Pay, you had to log in to like five different websites to pay bills, guess which password you used for each and hope you didn't miss a due date. Good times, right?
With Bill Pay, you can schedule payments** online through your Apple FCU account, set up recurring ones or knock them out all at once. Bill Pay is flexible, fast and built right into Apple FCU Online and the Mobile App, and you only have to remember one password.
Best of all, Bill Pay lets you change or cancel a payment at any time. If you're cutting it close, Bill Pay's next-day payment options make sure your money arrives as soon as possible. ***
It's not just for individuals either. Small businesses can use Bill Pay to manage expenses and keep cash flow in line by scheduling one-time, recurring and future payments.
To access Bill Pay, select Pay Bills under the Pay and Transfer menu in Online Banking, then Launch Bill Pay. You can view our website for a full walkthrough on how to set it up.
Zelle®
Apple FCU has teamed up with Zelle® so you can send and receive money quickly from people you trust.1
No extra apps are needed, as Zelle® is built right into Apple FCU's Online Banking. There are no fees to send money with Zelle® from Apple FCU Online or our Mobile App,2 and your money typically arrives within minutes.
Zelle® is great for transferring funds to split the check at dinner, pay the babysitter or send your kid “emergency” pizza money. That last one has happened often in my house.
Want to get started? Check out our website for a how-to guide and video for setting up Zelle®.
Mobile Deposit
Our Apple FCU team loves it when you visit us at one of our more than 23 branches, but we know those visits don't always fit your schedule.
All you need is a check and a phone, and we'll get the money into your account. Just open the Apple FCU Mobile App, snap a photo of your check and you're done. Funds typically hit your account within one business day.
Mobile Deposit is available 24/7/365, and your money is protected with the highest level of security. Visit our website for step-by-step instructions and get started with Mobile Deposit today.
Whether you're paying bills, sending money, redeeming offers or managing your schedule, Apple FCU's digital tools are built to make your life easier. There's no fluff; just smart features that work when you need them.
Now, if you'll excuse me, I'll start ranking Clash albums—what's that? I'm out of time? In that case, thank you for checking out what's available in Digital Banking, and thank you for being a member of Apple Federal Credit Union.
- *Must schedule payments in agreement with the Terms and Conditions for the service for the guarantee to apply.
- **Some restrictions and/or overnight/express fees may apply.
- ***Not all cardholders and transactions will qualify, eligibility requirements apply.
- 1U.S. checking or savings account required to use Zelle*. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees.
- 2Mobile network carrier fees may apply.
