Frequently Asked Questions

Featured Questions

View individual account history
Tapping on an account from the dashboard will show you up to 90 days of history for the selected account.

View all transaction history
Tapping on View All Transactions from the dashboard will show you a combined transaction history from all your accounts. Search for specific transactions by entering a payee name, category or amount. Filter by account, date, tag or type.

Accounts added with mobile banking or aggregated through Money Manager in online banking have a tilde (~) in the displayed account number. Aggregating accounts will result in read-only views.

General Information and Use

America First's free Mobile Banking application gives you anytime, anywhere access to all of your accounts, including those with other financial institutions, in one location. Based on eligibility, you can also:

  • Check account balances and view recent transactions
  • Transfer funds
  • Deposit checks
  • Pay Bills
  • Review spending and budgets
  • Apply for loans & more

Download the free America First Credit Union mobile banking application from the Google Play or Apple App Store and tap on Enroll in Online/Mobile Banking to complete the process.

Mobile banking requires device permissions for certain features. A camera is necessary for mobile deposits, contacts are needed for Zelle®, and location permissions are used for Card Guard and finding our branches.


The dashboard is the first page shown after logging into the app. It shows different balances or relevant information according to the account type. These balances do not reflect uncashed checks, bill payments or other outstanding transactions. To view more details, select a specific account.

To see more, select your account from the list. A drop-down menu will automatically expand, displaying this information.

The balance after pending charges is an estimate, including pending Visa transactions. This doesn't reflect any outstanding automatic withdrawals, bill payments, uncashed checks or Visa pre-authorizations, such as those for gas and hotels.

This is the amount you must pay in full by the due date to avoid finance charges on your Visa credit account. Statement balances may vary at other financial institutions. Check with them for their policies.

The dashboard displays up to 15 accounts. To customize it, navigate to the settings and select Reorder Accounts. Then hold and drag the accounts into your preferred order.

Navigate to the settings within the app. Tap Organize Dashboard to rearrange and customize your dashboard.

Additional America First accounts may be added via aggregation or by account linking in Online Banking. Aggregating accounts will result in read-only views.

To add by account linking, log in to Online Banking and select Other Services. Then an additional America First account can be linked to the primary account. You can only link accounts that have matching Social Security numbers.

To link under Preferences, choose the accounts you want and check the box to grant access. Accounts will need to be linked between both accounts.

Adding or aggregating an account allows you to see its balances and transaction history. Your aggregated and added accounts are read-only, don't allow funds transfers, and balances are updated periodically throughout the day based on the corresponding institution's system. Spending and budgeting tools can be used for these accounts. First, select Add an Account from the dashboard. Then search for the provider. Find the institution and enter your user name & password. If necessary, answer any security questions.

If an account needs attention, it will display a red or yellow exclamation mark. Yellow: This may indicate a connection error. To correct the issue, select the account with the exclamation mark and enter new log-in information or verify your existing credentials. Red: Shows an added or aggregated account may be locked or unavailable. To confirm access, contact the institution at which you have the account.

Nicknames automatically load in mobile banking. To change a name, log in, choose the account you want to modify and tap Account Details. Then select Account Name, change the name, and save. These changes will only apply to mobile banking.

Yes. By default, all accounts and loans will be displayed. To hide accounts, select Settings, then Account Management. After locating the account, tap the three horizontal dots and choose Hide Account.

The account you use to log in and any America First account linked to it cannot be deleted. Accounts added in Money Manager can be deleted. We recommend hiding your accounts if you don't want to see or manage them.


Individual accounts will display up to 90 days of account history. Continued use generates additional history. To view more than 90 days, select Transactions within the Menu. You can search for specific transactions or filter by account, amount, date, merchant tag, or type. Histories of added or aggregated accounts will vary according to the providing institution.

One Mobile Banking transaction can be divided by two or more. With this feature, you can accurately account and budget for unique transactions under multiple categories.

This will remove the transaction from all calculations & account histories, including budgets and spending. Once it's excluded, you'll see a button you can use to reintroduce the transaction.

The dashboard displays combined transactions from your home and aggregated accounts. To see transaction details for a specific account, select it from your list.

Mobile Deposit

With this service, you can electronically deposit checks directly into your America First account. Simply log in to mobile banking and select Deposits from the dashboard. Enter the amount, then take a picture of the front and back of the endorsed check.

Some accounts are restricted for security or other reasons. Please call 1-800-999-3961 with questions.

Yes. It's $10,000 per-day, per-account. This can be met with a single check or through multiple deposits. Checks for more than $10,000 must be deposited at a branch or through an ATM with this capability.

Unfortunately, no. You must log into the linked account to complete the deposit.

Usually within one or two business days.

No, checks must be made payable to account owner(s).

No. Checks drawn on institutions outside the United States are incompatible.

You can use either the auto & manual capture feature. Auto will focus on the check image inside the frame and take the picture for you. With manual, you decide when to capture the image. For the best quality, ensure the check is flat, on a dark surface, and in a well-lit area.

When you deposit a check, the front and back images are processed through a number of validations to verify image quality and negotiability.

We recommend keeping checks until you can verify that funds cleared from the issuing financial institution.

You can get copies by calling 1-800-999-3961 or visiting a branch.

If your deposit is returned for any reason, the amount will be debited from your account. If you have a current email address on file, we will notify you of the returned deposit via email. If not, we will send you a notification through our secure online banking messaging service. Depending on the issue, you may be able to re-deposit the check at a branch.

Spending, Budgeting, and Net Worth

It's a comprehensive tool displaying your spending behavior by transaction. Transactions are grouped and show a spending percentage for each category. They are automatically categorized based on prior spending. When you change a category, Mobile Banking will remember your preference.

Budgets are auto-generated based on the last 90 days of your spending history. To add a budget, scroll to the bottom of the dashboard and tap on the budget card. From there, you'll see/change current budgets, create new ones, and see where your spending is by the bubble's color.

Green = less than 80% used.
Yellow = more than 80% spent.
Red = more than 100% expended.

Budgets are auto-generated based on your last 90 days of transaction history. To create a category, there has to be at least one transaction for two consecutive months in that area. However, you can develop a manual budget at any time. Do this by selecting the plus sign and choosing a category. From there, choose a predetermined subcategory or create a new one. Once you have a budget, you can customize it as you see fit.

Click on a transaction to open its detail view. Then tap on the category field on the transaction line and select from the drop-down menu. Editing transaction details-such as payee description, transaction date, tags & flags-is also available. If the transaction date is modified for a budget, the original date will still display under details. Editing details does not change the way transactions appear on your statement.

Click on the Budgeted Amount to change it.

Tap on the one you want to remove and select Delete.

The net worth card presents a summary of assets and liabilities associated with your accounts. This includes your primary and any linked or added accounts.


Yes, it has the same high-level security as Online Banking.

Mobile banking requires your PIN or password when you log in, as well as two-step verification, to help prevent unauthorized access. Biometric authentication is also available on compatible devices.

Biometric Authentication

Touch ID, Face ID, Face Unlock and fingerprint authentication get you into Mobile Banking. Just enter your account number and PIN or password, then check the Enable Touch ID or Fingerprint box. You'll be active for consecutive logins.

iOS: You may use Touch ID or Face ID with compatible Apple devices to log in.

Android: You may use fingerprint authentication or Face Unlock with compatible Android devices to log in.

Yes. You can always log in with your America First account number/User ID and PIN/password. Simply tap Cancel when the app prompts you for biometric authentication.

If you use Face ID, Touch ID, Face Unlock or fingerprint authentication, anyone who saves their biometric data to your device can access your America First account, as well as other apps with this feature.

Contact Us

Phone: 1-800-999-3961
Email: [email protected]
Online messaging: Sign in to Online Banking and use secure messaging