Ok! If this is your first time using Online Banking?
Yes
Okay! To enroll, call us during normal business hours at 314.962.6363 (or 618.239.6363 for Illinois members; 1.800.719.6363 if you are outside of the St. Louis area) and press option 6, then 2.
No
Great. To access your account, simply click “Login” in the upper right hand corner of the page.
On my mobile device
Great! First make sure you’re enrolled in online banking. Then, download our free app for iPhone or Android.
Opening a checking account
Great! What do you care most about in a checking account?
Earning interest
Okay! Both our Advantage Plus Checking and Value Checking accounts earn interest. Advantage Plus earns higher interest than Value Checking. With Value Checking, there’s no monthly fee if you maintain an average daily balance of $500 or more.
Great! Take a look at our Advantage Plus Checking account that comes with one free package of checks a year.
Signing up for eStatements
Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab within online banking and accept the disclosure that appears.
We’re sorry to hear that. Is this during or after business hours?
During
Please call us at 314.962.6363 or 618.239.6363, and press option 6, then 1.
After
If it’s your debit card, please call 1.888.918.774. If it’s your credit card, please call 1.866.820.3035.
Taking control of your debit/credit card
We have an app for that, and it’s free. Check out Arsenal CardKey today to lock/unlock your cards, set up alerts/controls and so much more.
Sending money to family and friends
You can easily send and receive money with Zelle®. It’s fast. It’s free. It’s easy. It’s already in online banking and our mobile app.
What would you like to save for?
An upcoming holiday or vacation
Sounds lovely! We have both Christmas Club and Vacation Club accounts available to our members. Check out our Savings page and scroll down for more info.
Retirement
It sounds like an IRA (Individual Retirement Account) would be helpful for you. If you’re interested in meeting with a financial advisor to discuss a Roth IRA and other investment options, we can also make that happen.
College
Meet with our financial advisor to learn about the different options available for funding a college education, including the Coverdell Educational Savings Account and the 529 College Savings Plan.
Something else – and I’d like to earn a good interest rate
Do you have some money saved up already?
Yes, quite a bit
Nice! Are you okay with leaving your money untouched for a while?
Sure
Cool! We think you might like one of our CDs. You agree to leave your money untouched for a while in exchange for a higher interest rate.
I’d prefer to make withdrawals when I need to.
Sounds good. Check out our Money Market account. It’s a little more flexible, but still gets you a higher rate.
Not much
No worries. Once you open a Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
I’d prefer just a basic savings account
Ok! Our Savings account sounds just right for you. It also secures your Arsenal membership.
I want to make saving automatic
We can help. Enroll in our Spend to Save program to have your debit card transactions rounded up to the nearest dollar, with the change deposited to your savings account. You can also set up a payroll deduction to have a part of your paycheck deposited directly into savings each pay period.
NBC News reports that over 90 million Americans use peer-to-peer (P2P) payment apps to send money to friends and family. There’s a good chance that you have one of these P2P apps, such as Apple Pay, Venmo, Cash App, Facebook Messenger or Zelle, on your smartphone.
If you use P2P apps regularly, you already know how convenient they are for situations like splitting checks at restaurants, paying your friend for that last-minute Cardinals ticket and even completing transactions at retail establishments. P2P apps are so popular that Americans made about $147 billion in transfers last year using them last year states the Los Angeles Times.
According to Consumer Reports, these apps are safe to use (with some being safer than others). While P2P apps are reliable overall, there are extra steps you can take to keep your financial and personal information secure when using them.
1. Make sure to download the latest version of the app
Just like the Arsenal mobile app and other apps that handle your personal information, the latest version will always have the most up-to-date security features. Before making a transaction, make sure there are no updates available in your phone’s settings.
2. Download your P2P app only from a trusted source
Scammers create fake apps to steal your money and information, and they’re really good at making their bogus programs look and act just like the real ones. When downloading a P2P app, make sure to do it from either the App Store, Google Play or directly from the app’s own website.
Side note: If you’re downloading the Arsenal app for mobile banking, you can find it on our website or by typing in “Arsenal Credit Union” into the App Store or Google Play.
3. Make sure to send your money to the right person
Once you hit the “Send” button, your money is gone. Before finalizing a transaction, double check that you’re sending funds to the correct recipient. Some apps (mainly Apple Pay) have you confirm each transaction before sending, while others just let you send without confirming.
4. Send money only to people you know and trust
Just like the days of Nigerian princes asking you to send them money, there will always be people trying to scam you through tech. Only use P2P apps to send money to people you actually know. If someone requests money from you and you’re not sure it’s actually them who wants it, call or text to make sure before sending.
5. Don’t carry a balance
Many P2P apps claim it’s easier to store your money with them so it’s faster to transfer it when you need to. If someone hacks into your app, this money is not insured by any federal agency. Keep your money in your Arsenal account, which the NCUA insures at least $250,000.
6. Read the Terms of Service (ToS)
It’s painful, but you need to do it. The fine print before you press “Agree” is a legal contract. If you don’t read it, a mobile app can use your information in very unexpected ways, leaving you no recourse. Find out what the company plans to do with your information before using the product, and make sure you’re okay with it.
7. Turn your transactions to private
If you use Venmo, one of the main features of the app is its social feed that displays the transactions of everyone you’re connected with. Don’t want everyone you know to see your transactions? Turn the settings to private. Just go to the Menu > Settings > Privacy and change your settings to Public, Friends or Private.
8. Don’t use P2P for business
Most P2P apps state in their ToS that they do not allow business transactions. If you’re just selling a one-off item on Craigslist, don’t consider the transaction complete until the money is in your bank account.
9. Customize your app’s security settings
Does your preferred P2P app have an option for entering a password before you can send money? Use it. Does it have a fingerprint feature? Use it. These settings help to make sure you’re the one sending money in case your mobile device gets lost or stolen.
10. Optimize your phone’s security settings
Just like the above tip, create passwords, PINs and enable fingerprint access whenever you can. Also, make sure not to make transactions on public Wi-Fi networks where hackers can easily access your information.
Leaving Our Website
Arsenal provides links to external sites for the convenience of its members. By clicking “Continue” you will be directed to an external website owned and operated by a third party. The credit union is not responsible for the content of the alternate website and does not represent either the third party or the member if the two enter into a transaction. When you exit our site, our Privacy Policy is no longer in effect. Thank you for visiting us online. Please return when you need information about Arsenal’s products and services.