Save Time, Save Money, Stay Organized

Routing Number: 282075028

Online Banking

Your online security is important to us. One way you can help maintain your online security is by using the latest operating systems and Internet browser, which will ensure your access to the Arkansas Federal Credit Union digital tools that keep you connected.

If you do not have a compatible operating system version or browser, you will get a connection warning and/or error when attempting to access our online banking or mobile applications.

Supported Operating Systems & Browsers

Online or Mobile Banking users who are on older operating systems than the following will get a connection warning/error when attempting to access Online or Mobile Banking.

Mobile operating systems:

  • Android 5.0 and later
  • iOS 11 (limited support)
  • iOS 12 & 13

Microsoft operating systems browsers:

Mac operating systems browsers:

If you have questions regarding these security updates, please visit your local branch or contact us at (800) 456-3000.

All your banking from home, your office or on-the-go

Arkansas Federal Credit Union makes it easier than ever to do most transactions online or via mobile 24 hours a day / 7 days a week, including remote deposit capture.

Remote Deposit Capture

When depositing a check into an Arkansas Federal account, you simply sign the back of the check and include "For AFCU Mobile Deposit Only" under your signature. Then simply select "Deposit Check" from the Menu. Then complete the prompts within the mobile app.

Deposits made using remote deposit capture are available the next business day unless a hold is applied.

Video Tutorials

Click the links below for a step-by-step on setting up online banking for the first time.:



Consumer User Guide                  Business User Guide



Can you use Arkansas Federal’s Online Banking on my phone and tablet?

Yes! Our online banking provides you access to bank from any device – conveniently and securely.

Are there minimum browser requirements for online banking?

Secure your online experience by updating your browser. Browsers are a key part of keeping your online experience and information safe. Browsers become more secure with each release, so don’t miss out. No matter what browser you use, make sure you have the latest version installed. We recommend updating your browser to the latest version available. Browsers that support the full functionality include:

Microsoft operating systems browsers:

Mac operating systems browsers:

Are there minimum browser requirements for online banking?

Arkansas Federal ’s online and mobile banking includes a security feature called secure access codes. The secure access code allows us to identify you and keep your accounts even more secure online by sending a 4-digit code to one of the points of contact we have on file for you. This provides an additional layer of security from fraud and identity theft.

When you log in for the first time or any other time using a device that hasn’t been registered, a secure access code will be delivered to you by text, phone or email. For your protection, the secure access code will expire in 15 minutes. Don’t worry, if your secure access code expires, you can request a new one any time.

Here’s what it looks like…

During the log in process, your contact information is populated for you to choose the location you want to receive your secure access code.

Photo of Secure Access Code screen on online banking.

Once received, enter the secure access code and Submit.

You will be asked if you would like to register your device.

Register Device screenshot

If you select “Register Device,” you will not have to go through the secure access code validation process again for that specific device as long as cookies are enabled. Learn more about cookies. You may select this option if you are using a personal device that is under your control and you no longer want to receive the secure access code when using this device.

If you select “Do Not Register Device,” you will continue to go through the secure access code validation process each time you log in from device. You should select this option if you are using a public computer, a device that don’t own, or if you would like to continue being prompted for a secure access code.

Business User Management/Entitlements

Arkansas Federal ’s online business user management tools allow you to grant access and set limits for particular transactions on each of your accounts.

Online Statements

The primary account holder has access to online account statements through online banking. Statements are not accessible from your mobile device. We are working to provide this feature to you in the future.

If you are the primary member, you may grant others access to view your statements. This can be done by logging on to online banking.


Can we login with TouchID or Fingerprint recognition?

One of our new features is login capability with Touch ID on Apple iOS Devices and fingerprint recognition on Android devices. You can activate this feature from the login page or in the ‘Security Preferences’ menu. View instructions on how to set up.

Can we login using a passcode or PIN?

You can also enable the app to allow you to sign into your account using a four-digit passcode. This feature can be activated from the login page or in the ‘Security Preferences’ menu. You can also enable the app to allow you to sign into your account using a four-digit passcode. This feature can be activated from the login page or in the ‘Security Preferences’ menu.

Will I be able to view my statements from my mobile device?

Our new mobile app has many great new features. Unfortunately, at the time you will not be able to view your statements using your mobile device. To view your statements you will need to log in to your online banking via a computer.

Can I get information quickly when I’m in a hurry?

Yes! With Text Banking you can get balance information, review the last few transactions, or even make a transfer from one account to another; all without logging in.


Arkansas Federal now offers text banking! Log on to your account to enable this feature. Once you have enrolled in Text Banking you can choose from a variety of commands based on what information you want text back to you. Below is a chart showing all of the commands and functions.

Text Command Options Information Received
BAL Request account balance
HIST Request account history
XFER Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking SMS alerts/notifications)


What is Bill Pay?

Bill Pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment and which account you want the payment to come from. It's safe, secure and easy to use.

Who can I pay with Bill Pay?

You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills or credit cards, or individuals such as a landlord, babysitter or relative.

How do I enroll in Bill Pay?

It’s easy to enroll for Bill Pay. Just log in to your account and click the "Pay Bills or People" link to access the short enrollment form.

How do I start using Bill Pay?

The first step is to add a payee, the person or company you wish to pay. Here’s how easy it is:

  • Log in to your account and click the "Pay Bills or People" link
  • Click the "Add a Payee" button on your homepage dashboard
  • Enter the requested information. Typically this information can be found on your latest bill statement.

Once you add your payee, you can start making payments in seconds.

How are online payments delivered?

Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

Is Bill Pay secure?

Paying bills online is one of the safest ways to pay your bills. Bill Pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real-time access to your payments activity.

How long does it take before my payment is received?

Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check.

What are some benefits of using Bill Pay?

Here's a quick list of the many ways you can benefit from using Bill Pay.

  • Save time. With Bill Pay, you can receive and pay your bills online, all in one place. That means no more visiting multiple websites to pay bills or trips to the post office to mail checks. In addition, smart features such as recurring payments allow you to automate regular bill payments.
  • Save money. Paying bills online saves on postage, envelopes, late fees and checks.
  • Stay organized. Your payment history is stored in your online account, so you won't have to sort through paper receipts or visit multiple websites to access past transactions.
  • Gain peace of mind. Paying bills electronically means no risk of mailed checks getting lost or stolen. Plus, you can stop worrying about missing a bill payment when you set up reminders and automated recurring payments.
  • Help the environment by saving paper. With Bill Pay, there are no checks to write or envelopes to mail. That's good news for you and the environment.

Click on the demo links below to check out our new online Bill Pay, and see how simple and easy it is!

Bill Pay