Online Banking FAQs
What is the cost to use online banking?
None. Online banking is a free service. Actually, online banking is designed to help you save money, time, and paper by giving you an option to pay your bills and receive your statements online.
How do I enroll in online banking?
Enrolling is easy. Simply click "sign up" under the online banking sign-in area, located on our homepage at avadiancu.com, or go directly to our sign-up page here.
What information do I need to enroll?
You will need to enter your account number, the last four digits of the primary account holder's Social Security Number, and your date of birth. You will then be prompted to set up a username, password, security questions, a security phrase, and a security image.
What is the purpose of setting up security questions, a security phrase, and a security image?
You will see your image and phrase every time you sign in, so you know you are on our official, secured site. You will also be asked one of your security questions with every sign-in to verify you are the correct user. It's all part of providing you with the utmost protection for your online account.
When can I start using online banking?
As soon as you sign up!
How does online banking work if I have more than one account number?
If you have more than one account, you will be required to have more than one username. You will have to sign up for each account number.
Can joint owners on my account use online banking?
The only way joint owners on your account can use online banking is if you give them your sign-in information to access the account. We do not offer separate usernames for the same account. For your protection, we highly recommend never sharing your sign-in information with anyone.
Is online banking secure?
Yes, online banking is secure. In fact, our system employs multiple layers of security, which means your online banking account information and transactions are safe and private. Learn more about our security questions and features here. View our online privacy statement here.
When is online banking available?
The beauty of online banking is that it's available 24 hours a day, seven days a week. There are a few times throughout the year when we have to conduct system maintenance. It usually occurs during low peak hours, and we give ample notification before it occurs.
Will my information be updated throughout the day?
If you purchase items on your debit card using your PIN or make a transaction at a branch, you will be able to view those transactions as soon as you sign-in to online banking. Transactions that have already processed will show up in your transaction history. To access your transaction history, simply click the account name, i.e. "Choice Checking."
To view your pending transactions, click "Holds & Pending Transactions" on your Account Summary page. Your available balance will reflect processed and pending transactions. If you pay a bill online, it will not show up until it has been processed. Typically it shows up at the end of the day you scheduled your payment to be sent to your payee.
Does online banking work with personal financial management programs?
Yes, it works with Quicken™ and QuickBooks™. To download your history, click "Options" on your Account Summary page. From there, you can either select "Download to Quicken™" or "Download to QuickBooks™". Please note: We do not offer technical support for either of these programs.
Online Bill Pay
Why would I use online bill pay?
On average, most people pay eight to 10 bills per month, costing several dollars in postage, not to mention the money spent on checks and gas to the Post Office. You can eliminate all of these costs with online bill pay. By going paperless, you are also helping the environment by reducing solid waste, saving trees, and decreasing carbon dioxide emission. And because it's so convenient and easy to use, it's a quick, secure way to pay your bills on time, every time.
What is the fee for online bill pay?
Online bill pay is a FREE service offered to Avadian members. In fact, like we mentioned above, this service may actually save you money and time. It eliminates the expense of postage, gas, and, more importantly, your time.
How can I access online bill pay?
Click "Bill Pay" in the navigation bar at the top of your Account Summary page. You must sign up to be an online banking bill pay user. If you are not currently a bill pay user, a screen will appear asking you to enroll.
How do I sign up for online bill pay?
Signing up is easy. Follow the steps and start enjoying all the benefits of bill pay. You must be an online banking user to apply for online bill pay.
When can I start using online bill pay?
You will have access to our bill pay service upon registration. Once you're set up on bill pay, you can begin scheduling your payments online immediately.
What bills can I pay through online bill pay?
You can pay practically anyone using online bill pay — credit cards, utilities, auto loans, even your doctor or daycare center. You can even send a payment to an individual person as long as they have an email address and a bank or credit union account in the United States. Some organizations will not accept payments via bill payment, such as the IRS and other taxing entities.
When is online bill pay available?
Online bill pay is available 24 hours a day, 365 days a year. Payments scheduled on a Saturday, Sunday, or holiday will be debited from the account within one to three business days.
What is the cutoff time if I want to schedule a payment to be sent the same day?
You have until 2:00 p.m. Central to schedule a payment to be sent the same day. If you wait to schedule your payment after 2:00 p.m. Central, the earliest it can go out is the next business day.
How many days does it take for a payment to reach my payee?
Schedule your payments for each merchant in the amount you want and on the "send date" you need. Payments will be processed on the day of your request or on the following business day if the payment is entered on a weekend or a holiday. Use our handy calendar (shown next to the field of your process date) to determine how many days it may take for your payment to reach your payee. You may wish to allow additional time the first time you "Bill Pay" a payee as it can take up to 24 hours to establish a relationship with a new payee.
What if I forget to make a payment, can I have one expedited?
Yes, you can expedite a payment with a guaranteed delivery of the next or second day1.
Will I be able to use online bill pay with any of my accounts?
No. Only some Avadian checking accounts can be used for online bill pay purposes. E-Checking accounts are not eligible for online bill pay. Business checking accounts have a different form of online bill pay, which you can learn about here.
How do I add a new payee to my payee list?
Additions and changes to merchant information can be submitted online by using the "Payees" menu.
How long does it take to add a new payee to my payee list?
New payees are added immediately; however, it can take up to 24 hours to establish a relationship with a new payee. This will ensure that your payments will be properly routed and credited to your account.
Can I send someone a monetary gift?
Yes, you can set up reminders on your calendar (like birthdays) and even send gift checks along with a special personalized card. It's cheaper than Hallmark and quicker than the Post Office.
Can I send a donation to a charity?
Yes. You can even send a personalized message with your monetary donation.
When is my account debited for a scheduled payment?
Your account is debited the same day you schedule your "send" date.
Does online bill pay work with personal finance management packages?
No, but bill pay transactions will be reflected in your Transaction History in online banking. You are also able to download your transaction history into a personal spreadsheet, Quicken, etc.
Can a payment be cancelled after it is entered?
Payments can only be cancelled when they are found on the scheduled payments screen. You can cancel a pending online bill payment two ways:
1.Go to the Pending Payments screen, select the payment to be cancelled and click "Stop Payment".
2.Call an online bill pay service representative at 1.866.321.7071. Speak with a live person anytime from 6:30 a.m. to 10 p.m. Central, Monday through Friday.
What happens if there isn't enough money in my account?
The debit will be returned to our online bill pay processing center, and you will be charged with a non-sufficient funds (NSF) fee. Please note all of your other payments will continue to process. Bill pay will not block those payments. (If you would like to learn how we can help you with overdrafts, check out Courtesy Pay.)
How long is online bill pay history kept?
Online bill pay will provide you with 18 months of bill pay history and maintain bill pay records for as long as you have been a bill pay user. These records are not stored digitally; therefore they may take longer to retrieve.
Can I use online bill pay overseas?
Online bill pay can provide you with peace of mind if you are traveling outside the United States. All you need is web access with a secure browser, and you can pay your bills wherever you are.
1The cost of a next day payment is $19.95. The cost of a second day payment is $14.95.