Piedmont Advantage College Scholarships Financing And Savings Plans
At Piedmont Advantage Credit Union, we believe the academic achievement and advancement of our members should be recognized and rewarded. We have established multiple annual scholarships to assist members with the costs of higher education. Learn More
We also offer private student loans and 529 College Savings Plans. Read More
Enjoy Conveniencewith Macu Online Banking
Take advantage of all MACU has to offer with the MACU Mobile app, Online Banking portal, and numerous online tools. With access online and on your phone, youll be able to have full access to your accounts wherever and whenever you want!
Online Banking
Access your account securely and conveniently with MACU Online Banking
- Real-time account balances and transaction history
- Easily transfer money between MACU accounts
- View images of cleared checks
- Schedule one-time and repeat transfers
- Receive emailed account alerts
Save time and avoid late fees by paying all of your bills in one place.
- Free with a MACU checking account
- Schedule one-time and repeat payments
- Receive emailed account alerts
- Receive electronic bills directly to your Bill Pay inbox
Ready to get started?Log in to your Online Banking account, follow the enrollment instructions, and you’ll be paying bills quickly and conveniently in no time!
Smartphone App
Android, Apple and the Google Play logos are registered trademarks.
Security is Our Promise
MACU is dedicated to keeping your information secure. While using Online Banking, Bill Pay and the MACU mobile app, we use state-of-the-art industry-standard security features to protect your private, personal, and financial information.
We use a layered security approach in which many layers of protection stacked together provide the most secure environment possible.
Manage Your Macu Credit Card Account
- Look at account balance and current activity
- Due balance transfer
- Report card lost or stolen
- View payment activity
- Rates beginning as low as 13.25% APR
- 4.99% APR for 18 months on balance transfers
- Funds on deposit to secure credit limit
- Rates beginning as low as 10.25% APR
- 4.99% APR for 18 months on balance transfers
- Earn one point for every $1 spent
- Points earned are redeemable for up to 5 years
- Rates beginning as low as 8.25% APR
- 4.99% APR for 18 months on balance transfers
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How Do I Change My Name On My Account
Once you have changed your name with Social Security, you will need to complete a membership change card. If you choose to add a joint owner, you can do so at the same time. Once we have the signed application with a copy of your updated identification, we will change your name on our system and place an order for new checks and VISA®/debit cards.
Im Planning To Travel Soon What Do I Need To Do So My Visa Credit Card And/or Mastercard Debit Card Works Properly
To protect you and ensure the validity of your card transactions, your transactions are monitored for unusual spending patterns. If you plan on traveling out of the state or out of the country, or intend to make large purchases, please call us in advance so that we can flag your account. Otherwise, card usage may be blocked if it appears your card or account number has been stolen.
If you are traveling outside of the United States, you will need to bring your PIN number along with you. For your VISA® card, this number is non-retrievable so it must be ordered. It takes two weeks for it to arrive so please let us know well in advance of your travel plans.
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Is My Account Federally Insured
All member deposits are federally insured, in the aggregate, up to at least $250,000 by the National Credit Union Administration , a U.S. government agency, through a government-backed federal insurance fund known as the National Credit Union Shared Insurance Fund , and are backed by the full faith and credit of the United States government. Joint member accounts are insured separately from individual accounts up to a maximum of $250,000. IRAs receive separate $250,000 insurance coverage.
A Credit Union Is A Cooperative
A financial cooperative, such as 802 Credit Union, is organized for the objectives of:
- Providing financial services at fair and reasonable rates and fees
- Encouraging responsible financial activity and thrift
- Allowing member-owners to use and control money for the mutual benefit of all 802 Credit Union members, the Credit Union itself, and the community at large
Each of our 35,000-plus members owns a share in the Credit Union, meaning they have a say in how we run our business. We have a democratically elected Board of Directors that sets the direction and priorities of the Credit Union. Regardless of the size of your deposits, each member receives one vote.
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Online And Mobile Banking
We have updated the online and mobile banking experience. With more features and functionality, youre going to love the convenience of this easy-to-use and flexible platform. Our online and mobile platforms deliver:
- One login to manage multiple Health Advantage accounts
- Unique login credentials for each account owners
- The latest in security controls and fraud protection
- Ability to make external account transfers
- Ability to manage your credit and debit cards
- Track your weekly spending habits
Online and Mobile Banking features include:
- View account history and balance inquiries on all your accounts
- Transfer among all your accounts
- Transfer or send money to anyone that has an account at a financial institution
- Make loan, mortgage and credit card payments
- FREE monthly e-statements
- Set balance, transaction and payment alerts and security alerts
- Manage and pay bills online to individuals or companies
- HACU checking account & registration required
Mobile Banking with Remote Deposit
Visit your app store and search for Health Advantage Credit Union or link directly by clicking the Apple or Google icons below. Download our new app onto your phone or tablet to access your account information. Quickly and easily deposit your checks anytime, anywhere using remote deposit feature inside our app by chosing the orange plus symbol.
For Our Former River Valley Credit Union Members
Forgot Username | Reset Password
Our online and mobile banking system is undergoing a system upgrade and will be unavailable beginning on Friday, April 29, at 3 p.m. We expect the upgrade to your online and mobile banking services to be completed by mid-day on Monday, May 2. Thank you for your patience as we enhance your digital banking experience!
Beginning on Friday, April 29, at 3 p.m., our online and mobile banking system will be unavailable for a system upgrade. You will be able to access online and mobile banking when the upgrade is completed on Monday, May 2. We apologize for the inconvenience and thank you for your patience as we enhance your digital banking experience.
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Online Banking Changes Coming Tuesday August 2nd
As a financial institution, we feel your privacy is very important. We want to help keep your information secure and deter hackers from gaining access to your online banking. You may have seen many businesses start the process of MFA, also known as multi-factor authentication. This process includes logging in with a username and password and then authenticating your credentials via a code sent via text message or email.
While we are not yet implementing MFA, we are making changes to online banking to help prepare for when we do. At this time, these changes will only affect members’ usernames and passwords.
Staring August 2nd
Members who currently use their account number as their username will be required to change it upon logging in.
Members that currently do not have a complex password will be required to change it upon logging in.
If you experience problems with this process or need further assistance, please reach out to any of our Member Service Representatives at 641-792-5660. Please DO NOT allow your computer browser or phone to SAVE your password. This may cause issues logging into your online banking in the future.