If you are disabled and having difficulty accessing information please call us at 248-996-6070

Online & Mobile Banking

Whether you use a smartphone, tablet, or computer, you can enjoy 24/7 access to your account anywhere you have Internet access. Obtain balances, make transfers and loan payments, apply for a loan and more. Sign up today!

If you have a college student across town or across the country, this is the easiest way for them to have access to their account. You can conveniently made deposits into their account at CU Advantage through automatic transfers or individual deposits and they gain access to those funds in many convenient ways.

Download the CU Advantage Mobile Banking App today:

Apple Store Download Google Play Download

Mobile Deposit

Enjoy the convenience of depositing checks electronically and securely with Mobile Deposit. It’s as easy as taking a photo with your smartphone….and following the instructions for CUA mobile deposit, which include taking a photo of the back of the check with your endorsement signature too. Please include “For CU Mobile Deposit” under your signature. Sign up for Mobile Deposit through the CU Advantage Mobile Banking app. It’s quick and easy.

Apple Pay

With your CU Advantage Visa credit and Debit MasterCard, you can use Apple Pay in grocery stores, boutiques, and restaurants – and for things like vending machines and taxis. It’s also accepted in all kinds of apps and on participating websites using Safari on your Mac, iPhone, and iPad. You can even use Apple Pay as an easy and secure way to make donations to your favorite nonprofit.

Select the Wallet App on your iPhone and set up your CU Advantage credit and debit cards today!

Use Apple Pay wherever you see one of these symbols:

Apple Pay

When you have access to our online and mobile banking services, you can also enjoy the benefits of our Online Bill Pay program. From your checking account, pay one or multiple bills, and arrange for payment of recurring bills. You receive the first three months free ($9.95/month after that). However, Online Bill Pay is FREE when you participate in specific credit union services. Sign up through Online Banking today.

eStatements & eAlerts

Go green and receive your statement online rather than a paper statement in the mail. You’ll receive your statement faster and you’ll no longer have to worry about your statement getting lost or stolen in the mail. You’ll have access to your statement online 24/7, even if you are out of town. Sign up for e-Statements through Online Banking.

Please note that there is a $3 monthly fee to receive paper statements. This fee is wavied for members ages 18 and under, as well as ages 62 and older.

eAlerts help you stay on top of the activity in your account. If you’d like to be reminded of when your loan payment is due, if your account balance is above or below a specific amount, or a wide range of notifications, sign up for e-Alerts through Online Banking. e-Notices are also offered for NSFs and when loan payments may be late.

Debit MasterCard & Direct Deposit

Using your checking account is easier than ever before with the Debit MasterCard. Use your debit card instead of writing a check at any business displaying the MasterCard symbol, and as your ATM card worldwide.You can also protect your Debit MasterCard with SecurLOCK Equip. We are pleased to provide this service FREE to our members.

Authorize the direct deposit of your payroll, social security, retirement, VA benefits, or most recurring checks into your credit union account. Your money is deposited automatically on payday, even if you are out of town. It’s the safest and most convenient way to deposit your funds. For direct deposit to your account include two zeros to the end of your account number, and use the credit union's routing and transit number: 272485039

Arrange for a portion of your payroll to be deposited into your credit union account from participating employer sponsors. Payroll deduction is a great way to make loan payments or to make deposits into your savings account on a regular basis.


There no need to pay surcharge fees for making ATM transactions because you can enjoy the convenience of accessing more than 30,000 surcharge-free ATMs nationwide through the CO-OP Network system, including machines at most 7 Eleven Stores. Plus, Credit Union Advantage has ATMs in the following locations:

Members receive six (6) ATM transactions monthly when using the Credit Union Advantage Debit MasterCard and/or ATM card. After six, each transaction or inquiry is $1.00.

CO-OP ATMs & Shared Branches

CO-OP Shared Branches

If you travel or you live far from a Credit Union Advantage office, you can still visit more than 5,000 shared branch locations nationwide to access your credit union account. Shared branches are other credit unions who participate in the CO-OP Shared Branch network. You can enjoy personalized service at these shared branch locations and family service centers. Click on either the ATM or Shared Branch logo below for access to locations near you.

CO-OP ATMs & Shared Branches

PAT – Personal Audio Teller

If you don’t have access to your computer or Internet, you can also use a touch-tone phone to access your account. All you need to access PAT is your credit union account number and a personal identification number. You can then make transactions on your account 24 hours a day, seven days a week. Find out if checks have cleared, obtain balances, make transfers and more. Call 248-849-5822.

Online Loan Application

Apply for your Credit Union Advantage loan 24/7 through our convenient online loan application. You can even apply for your loan before you begin shopping. With a pre-approved loan, your money will be ready when you are.