Auto-Owners Associates Credit Union offers its members the latest in on-the-go financial management.  We make it easy for members in all states to access their accounts 24/7 using our mobile banking, phone banking, and shared branches.

Online Banking

With It’s Me 247 Online Banking, you can keep in touch with your credit union accounts any time, from any place life takes you!

Go to Online Banking

How to set up automatic transfers

Mobile App

Stay connected to AOACU no matter where you are. Log into our mobile app to check your account balances, apply for a loan, make a mobile deposit, set-up debit card alerts, or find a shared branch- all from the convenience of your smartphone. Download the AOACU app for your smartphone through Google Play or the Apple App Store.

Our mobile app also includes MACO (Multi-Authentication Convenience Option), giving our members four authentication options: fingerprint, face recognition, voice recognition, and PIN.  MACO is compatible with both Android and Apple devices that support a biometric option.

Read our mobile app FAQs

Read our mobile deposit FAQs

Read our MACO FAQs

How to make a mobile deposit

How to set up automatic transfers

Mobile Wallet

A mobile wallet is a digital way to store credit and debit cards in a secured application to make purchases at a store or online using a mobile device rather than a physical card.  Mobile Wallets are encrypted and have protections in place to keep your information within the application secure.  

Payment options available:

  • Apple Pay
  • Samsung Pay
  • Google Pay (Visa only)

Benefits for you:

  • Enhanced protection against fraudulent activity
  • Reduced time for making payments, in store and online
  • Save space in your pocket or purse
  • Safely store and access all of your cards from a central location
  • Prevent loss of card or other sensitive personal information
  • Accepted by many major retailers, with continuing adoption
  • More convenient online checkout from mobile devices

If you don’t have a debit or credit card, contact the credit union for assistance.

Bill pay

Our free bill pay service is a convenient way to pay your bills online 24/7, without having to write checks and pay for postage. Bill pay allows you to set up a one-time payment or a reoccurring payment so you don’t have to worry about making a late payment.

Go to Online Banking

Download our App

Google Play button image iTunes App Store button image

Person-to-Person (P2P) Transfers

This feature is available to members with an active checking account.  P2P allows a member to send a payment to an individual via email or text message.  You can access this service by signing into online banking or clicking Pay Anyone in the AOACU mobile app.

Go to Online Banking

Download our App

Google Play button image iTunes App Store button image


No more waiting for your statement to arrive in the mail. At the beginning of every month, you’ll receive an email message letting you know that your statement is ready to view. Log into It’s Me 247 to view your current statement, as well as, previous statements.


Enroll in eAlerts and receive notices regarding account balances, electronic deposits, withdrawals, or when a payment is due. Log into It’s Me 247 to enroll.


(800) 860-5704 (access code: 008)

All you need to make contact with CU*Talk is a phone, credit union access code, account number, and your Personal Identification Number. Now you are all set to take care of business!

CO-OP Shared Branch and ATM Locator

With thousands of shared branch locations and fee-free ATMs across the United States, you can always be close to your credit union. Stepping into a shared branch is just like visiting your credit union. Many are even open on Saturdays.

Find a Shared Branch or ATM


Stay up to date on the latest security features and tips to protect your accounts and identity with CU*Secure.

Visit CU*Secure