Account Services

Mobile Banking

Let Yourself Relax with Anytime, Anywhere Account Access

Take Atlantic wherever you go. With mobile banking, you get all the perks of a branch — right in the palm of your hand. 

This free, convenient service lets you access accounts anytime, anywhere. View balances, pay bills, deposit checks, and more — all with a few taps of your finger. Download our app, open your browser, or send us a text: whatever works better for you.

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Mobile Banking

  • Fast, free, and secure service for customers enrolled in online banking*
  • Available to personal and business members
  • Easily keep track of finances on the go:
    • View account balances
    • Review history (up to 15 days)
    • Transfer funds between accounts
    • Receive alerts
    • Pay bills
  • Available via any web-enabled cell phone or device
  • Utilize this service three convenient ways:
  • Save valuable time and effort; avoid an extra trip to a branch

Mobile Deposit

  • Deposit checks anytime, anywhere from your mobile phone
  • Free service for customers with an Atlantic checking account
  • Save time, avoid unnecessary trips to a branch
  • Deposit a check with a few taps of your finger:
    • Once logged in to mobile banking, select “Remote Deposit”
    • Select the account into which you would like to deposit
    • Enter the check amount
    • Follow the prompts to take a picture of the front and back of your check
    • Verify that everything on the screen is correct and hit "Submit"
    • You should receive a confirmation message and the transaction should appear in your account history within 15 minutes
    • Please retain your successfully deposited checks for 10 days and then securely destroy them

Please Note

Checks need to be in US dollars, drawn on a US financial institution, the US Treasury or a state or local government and payable to the account holder. No third party checks will be accepted. You must also have an active Atlantic checking account in order to use mobile deposit.

Learn More

Learn more about mobile banking with mobile deposit by viewing our FAQ below. If you have any additional questions, please, contact us.

Text Banking

Text banking lets you access your accounts via (SMS) text messages from any (SMS) supported mobile phone. It's a fast, easy way to check balances, review account history, and more.

  • Check your account balances
  • Review current and past account activity
  • Transfer funds between your ARFCU accounts
  • Make loan payments

How It Works

To use text banking, you must text the appropriate text banking command to #86020. View our text banking commands.

Enroll Now

  1. Log in using your existing online banking username and password
  2. Select #7 – SMS Settings
  3. Select #1 – Add a Mobile Number (#)
  4. Agree to the SMS Enrollment Terms & Conditions
  5. Enter your cell phone number with area code (XXX-XXX-XXXX)
  6. Enter the verification code sent to your phone

Learn More

Learn more about text banking by viewing our mobile banking FAQ below. For additional information, please email us at or call 1-800-834-0432.


How much does this service cost?

Mobile banking is a free service offered to our online banking members. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information. 

Is it secure?

Yes, mobile banking utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, PIN or password access, and application timeout when your phone is not in use. Only the phones that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your phone.

I'm not enrolled for online banking. Can I still use this?

You must first enable your bank account(s) for online banking before using mobile banking. 

What is Activation?

Activation is a one-time process that helps ensure your security. After you enroll a phone, you will receive an activation code via email, which will be required to begin using mobile banking on your device. Your activation code is good for 48 hours. If you are unable to activate your phone during that time, you will need to contact Atlantic Regional to complete your mobile banking enrollment.

How do I know what's the right mobile banking option for me?

With three options to choose from, mobile banking gives you the flexibility to manage your finances in a way that fits your lifestyle.

  1. Mobile browser: If you prefer to utilize the browser integrated into your phone, or you have a Smartphone other than those listed above, simply open your mobile browser and bank as you would on your computer.
  2. App: If you prefer an optimized mobile banking experience and have a smartphone (iPhone™, Droid™, BlackBerry™ or Windows™), you may want to download the Atlantic mobile app.
  3. SMS Text: If you prefer the convenience of text messaging, our text banking solution will allow you to access accounts and transfer funds in just seconds.

Can I use both text banking and mobile banking on my phone?

Yes, you can use both options from the same phone. To do so you will need to activate each option on your phone prior to use.

What is mobile banking?

Mobile banking gives you access to your accounts from your mobile web browser or a downloadable mobile banking application, depending on your preference and your phone capabilities. Both options allow you to: view account balances, search recent account activity, transfer funds and find the nearest ATM or branch locations. 

Is mobile banking supported on my phone?

Mobile banking is supported on all phones with a mobile web browser that supports cookies.

How do I install the downloadable application?

Depending on how you have connected to the Atlantic Federal Credit Union website and the type of phone you have, there are different ways to download the mobile banking application. Below are the most common methods:

  1. Apple iPhone: You may search for the Atlantic Regional Federal Credit Union Mobile app in the iTunes Store and download the app directly using that service at no charge.
  2. Droid: You may search for the Atlantic Regional Federal Credit Union Mobile app in the Google Play Store and download the app directly using that service at no charge.
  3. After launching the application for the first time, you may be asked to reenter your credentials along with an activation code to access the mobile platform.

SMS text banking only. I enrolled my phone number but did not receive a text message. What should I do?

Typically you should receive a text message within a few minutes after enrolling, however sometimes mobile carriers experience delays which slow down text message delivery. While waiting, make sure you phone has wireless signal. In addition, be sure you entered the correct phone number on the enrollment site. If you still do not receive it, contact your wireless carrier to be sure text messaging is enabled on your phone.

I received an activation code but never used it. What do I do now?

Activation codes expire after 48 hours. If you need a new activation code, please email or call 1-800-834-0432.

What happens if I get a new phone or change phone numbers?

If you get a new phone or change phone numbers, be sure to return to Mobile Banking website via your PC and update your phone profile in the Mobile Banking Center. We recommend removing your old phone and re-enrolling your new phone. 

What if my device is lost or stolen?

If your phone is lost or stolen, contact your mobile service provider immediately to stop all wireless service. In addition, return to the mobile banking website and disable or remove your phone.

*Wireless carrier data rates may apply.