Convenience Services

Apple Pay, Google Pay, & Samsung Pay are available in your devices’ app store. Simply add your Alliance debit card to pay for your in-store transactions with your smartphone. Below you’ll find information on other convenience services that we offer to our Alliance members!

Virtual Branch is a free service from Alliance that allows you to see your account balance summaries, view detailed account inquiries including deposits and withdrawals, transfer funds, make loan payments and advances on lines of credit and much more. View the FAQs to learn more!

Bill Pay allows you to easily pay bills from your checking account via the Internet. Our members have access to an industry-leading electronic billing and payments solution. The intuitive user interface makes it easy for members to pay bills and people they know, receive and view their bills electronically, and maintain complete control over their money movement all from one location inside online banking. You can pay bills individually or set up recurring bill payments up to 18 months in advance. You can also transfer money between your accounts. To enroll in FREE Online Bill Pay, simply log in to Virtual Branch and click the “Bill Pay” tab.

Attention CardValet app users:  The CardValet app has been replaced with CardHub- our new card management tool which offers all the same features you’ve come to enjoy with CardValet, only way better! Plus, it’s available within the Alliance Credit Union mobile banking app, so there’s no separate app to download or login credentials to keep track of. 

With your new and improved mobile experience, you can feel more empowered…

• Turn your cards on/off at your discretion
• know where every card is stored online
• Set spending limits based on location, amount, merchant type, and transaction type
• Create travel plan notifications for your financial institution
• Access your statements electronically
• Contact us through our secure messaging system
• Update your address, phone, or email

Discover more convenience. 

• Enjoy 24/7 access to your cards via our mobile app
• Easily add cards to digital wallets
• Access card credentials without needing your physical card
• Withdraw cash from ATMs without needing your card
• Activate cards instantly so there’s no more waiting on new or replacement cards
• Apply for and receive a digital card instantly 
• View, manage, and redeem rewards

Find More Clarity.

• Gain total transparency into every transaction with clear merchant names
• Keep track of spending with a glance
• View merchant name, logo, exact location on map, and contact information 
• Contact merchants directly based on transactions. View spending by what, when, and where

Feel more secure. 

• Report lost or stolen cards in a couple of clicks
• Immediately turn off a lost or stolen card from your phone
• Keep in constant communication with your financial institution with a two-way fraud alert

 Log in to our mobile app and try it today! 

MyPic Debit

You will have two options to choose from. Simply upload your image for full edge-to-edge card coverage or select the Photo ID Only option if you would only like your headshot. Many members choose this option for added debit card security. Please note that your current card will be disabled when you activate your new card. There is a $9.95 service charge for this service, which will be deducted from your checking account when the new card is ordered. Image submissions are subject for approval. For example, any third-party trademarks, copyrighted materials, or name, image and likeness of any public figures, will not be approved. For lost or stolen debit cards, please call 1-800-472-3272.

If you normally write a check from another financial institution to make your monthly Alliance loan payment, your life just got a little easier! You can now originate an electronic payment from another institution directly into your designated Alliance loan account inside Virtual Branch. All payment information is encrypted, so it’s safe & secure! You can also originate an electronic payment that will be automatically deposited into your Alliance checking or savings account without ever needing to contact any bank or credit union to make the request. These payments can be setup as single or recurring transactions are managed totally by you, and best of all – It’s FREE! Simply login to Virtual Branch and click on the ‘Self Service’ tab. For all credit card payments and any payment over $2,500, please phone the Call Center at 636-343-7005, option 0. Take control of your account today!

You will now be able to receive notices regarding your account activity electronically via your email account inside Virtual Branch. With e-Notices, you have easy access to notices, letters and other correspondence related to your account. This is the fastest and most secure way to receive notices and it is environmentally friendly! Please note that some paper notices will be discontinued. Alliance will no longer print and mail NSF, Overdraft, ACH reject and Courtesy Pay notices to members.

Notices that can be sent via e-Notices:

• ACH Overdraft Letters
• Overdraft Notice
• Overdraft Courtesy Pay Notice
• Transaction Receipts
• Loan Past Due Notice
• Variable Rate Notice
• Loan Payment Notice

To sign up for free e-Notices, log into Virtual Branch online banking and click on the Self Service tab. In the Additional Services bubble, click on e-Notices. Using the checkboxes, choose which e-Notices you would like to receive, or choose “All Notices.” You will also find our other green services such as E-Statements and Bill Pay within the Self Service tab. Members will receive an email when e-Notices are available. To view e-Notices, log into Virtual Branch and click on the Self Service tab to use the View e-Notices bubble. To discontinue e-Notices, please contact the credit union. It’s that easy to reduce paper usage cost, help the environment, and gain easy access to your important account information!

Alliance offers several ways to bounce-proof your checking account!

We understand just how busy your life is these days, and staying on top of outgoing payments is not always easy. It happens to all of us.  You make an honest mistake in your checkbook.  You’re a little short of cash 2-3 days before payday. Unusual or unforeseen circumstances pop up at just the wrong time. That’s why Alliance Credit Union offers options for overdraft protection on your checking account.

Option One: Transfer from Another Deposit Account

You can arrange for another deposit account to transfer automatically to prevent your checking account from being overdrawn. Regulation D limits the number of automatic transfers to non-transactional accounts (i.e., non-checking) to 6 per month. A nominal convenience fee will be charged per transfer.

Option Two: Overdraft Line of Credit

An overdraft line of credit gives you automatic protection when you need it, up to your credit limit.  There’s no cost to you unless you use it.  When you do, the interest is only pennies per day compared to expensive NSF and merchant returned check charges. Your overdraft line also provides you with a personal line of credit to use for whatever you need just by writing a check from your checking account. You can also access your credit line by transferring available funds to another Alliance  account through Virtual Branch Online Banking.

Option Three: Courtesy Pay

Even after the overdraft protection options above, you’re still covered with Courtesy Pay.  As a last line of defense, Courtesy Pay may cover your insufficient funds checks, up to your approved limit, for one fee per covered overdraft transaction.  Although you pay the fee, it protects you from additional merchant returned check fees, as well as the embarrassment of an NSF check. Courtesy Pay goes into effect automatically after 60 days of having a checking account in good standing. This special service is available only after all overdraft protection options have been exhausted and is only available to qualified members.

Option Four: Extended Courtesy Pay

Be sure to opt-in below to extend this service to cover your everyday Debit/ATM transactions! By opting in, we will cover any inadvertent mistakes made with your debit/ATM card. No more declined transactions at the register due to insufficient funds. Opt-in today! 

Direct Deposit is when your entire paycheck automatically gets deposited directly into your checking account when you get paid. Ask an Alliance Financial Services Representative for more details about how to set up direct deposit with your employer. Download Direct Deposit PDF

Send money from your checking to friends, family and co-workers for free with Zelle. Zelle is an innovative personal payment service that eliminates the hassles of checks and cash. Now, sending and receiving money is as easy as emailing and texting. Click here to use Zelle today!

 

We sure do love staying in touch with our members…

So much, in fact, you can now connect with us via text.

We know text messaging is a preferred method of communication for many. With our new service, you now have the ability to chat with us wherever and whenever through your mobile device. 

Simply text your general questions/concerns to the same number you would call: 636-717-3859 and go about your day. One of our friendly team members will get back to you during credit union business hours.

Try it out and don’t forget to save our number in your contacts for future calls and texts! 

Message and data rates may apply. Reply STOP to cancel at any time. See our Terms of Service and Privacy Policy below for more information.

Even after hours, we have you covered…

Text any of the following Keywords to 636-717-3859 for 24/7 follow-up:

• ATM: Find a no-fee ATM near you!
• App: Download our mobile app for Android and iPhone today.
• Auto Loan: Ready for a new car or want to refinance? Text to check out our auto loan options.
• Checking: Want checking that pays you back? Compare our checking account options today.
• Direct Deposit: Want to sign up for Direct Deposit? Give this form to your employer.
• Home Loan: We have some great home loan solutions! Learn more about what’s available.
• Hours: Location and branch hours information on the go.
• Keywords: Here is a quick list of keywords you can text for more details.
• Location: Need to visit us?  Check out our locations and hours!
• New Member: Text to receive a link to apply online today!
• Rates: Find out our latest deposit and loan rates.
• Routing Number: Setting up a new deposit or payment? Our routing number is 281081505, but we can text it to you too!

Have a suggestion for a “Keyword”? Let’s chat…text us at 636-717-3859 with your suggestion. 

Connect with us

What’s better than a newsletter, website alert, or email? Quick text updates from your favorite credit union pals.

Stay in the know about special offers, promotions, events, closings, and more! 

Text the word “Alliance” to 636-717-3859 to begin receiving text alerts. 

We promise not to bug you too much. When you opt-in to receive text messages from us, we’ll only send relevant & valuable information to you. But if at any time you decide to no longer receive these text message updates, simply text/reply STOP and we will remove you from any further communications.

By texting “Alliance” to 636-717-3859, you are opting into Alliance Credit Union informational and marketing lists. See our Terms of Service and Privacy Policy below for more information.

24-Hour No-Cost Access to Your Accounts Conduct all of your business transactions from the privacy and comfort of a touch-tone telephone. Tel-A-Connect makes tracking your account activity as easy and convenient as the closest Touch-Tone telephone.  It puts important information at your fingertips 24 hours a day, 7 days a week.  Just follow these easy steps:

1. Dial (800) 714-3319 from a Touch-Tone telephone. Listen for the step-by-step instructions.  (If this is your first time using Tel-A-Connect, press 2 for “help” information.)
2. For account information press 1.  You will need your member number and Tel-A-Connect PIN, which is a 4 digit code assigned at account opening, to access your account information.  For added security, we suggest you change your PIN immediately after the initial use.
3. To customize your PIN:
   • Press 1 Account Information
   • Press 2 Customer Service
   • Press 3 Change PIN
   • Use the menu below as your guide.

Main Menu	Account Access Menu
1. Account Information System	1. Quick Check
2. Help Menu	2. Account inquiries
	3. Financial Transactions

Savings Account Types	Checking Account Types
01 Savings	70 Daily Cash Fund
02 2nd Savings	75 Regular Checking
04 Holiday Savings	76 Free Personal Checking
05 Vacation Savings	78 Premier Checking
71 Daily Investment Fund	562 Line of Credit

Use Speed Keys to Make Your Transactions Faster

To use the Speed Key Menu follow the steps above. At the greeting Press 1, then 1 again. You’ll be asked to index your Member Number followed by the “#” sign then your PIN followed by the “#” sign. Select a transaction from the list below. Use the “*” to return you to the previous menu.

• #12 Balance Information
• #13 Account history
• #14 Tax & IRA Info
• #15 Financial Transactions
• #43 Change PIN Number