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Online Banking

“Arsenal has the best online banking service. There are so many different things you can do.”

Mark W. Arsenal member testimonial avatar Mark W.

Online banking makes your whole life easier

Life can be stressful. Fast-paced. If you want to make it a little simpler, then sign up for online banking. You’ll be able to pay all your bills in one place, eliminate the clutter of paper statements, easily check your account balance and activity from anywhere and much more using our digital banking tools. It’s safe and secure – and free!



Pay bills

Schedule one-time or recurring payments, set up email alerts for bills, receive money (with participating payees) and more. If the company accepts electronic payments, you can pay bills in as little as one to three days. If you have any loan payments with Arsenal, you can take care of them instantly via online banking.



Check preapproved loan offers

In the “My Offers” section of online banking, you can see if you’re preapproved for any loans by the credit union.

Pay an Arsenal loan

Pay any loans you have at Arsenal Credit Union directly in online banking. Set up a payment from your Arsenal checking or savings account or link an outside account or debit card.


African American couple sitting on a couch looking at their finances on paper while their laptop is open

Track spending

“Money Management” is the name of a personal financial money solution that you can use within our online banking system at no charge for better budgeting. It helps you categorize your transactions, view trends in your spending, set financial goals, manage your debt and track outside accounts. This tool has garnered six Finovate “Best of Show” awards and is widely regarded as one of the best in the industry!

Frequently Asked Questions

How safe is online banking to use?

This is a long answer (sorry!), but it should address any and all concerns you have.

The online banking products we offer allow you to manage your accounts more securely than receiving statements and sending checks through the mail. A recent study revealed that 90% of unauthorized access to sensitive information is through traditional nonelectronic channels, such as a lost or stolen wallet or theft from a nonsecure mailbox. In addition, consumers who access accounts online can monitor their account activity anytime – not just when the statement arrives – to detect fraud more quickly and take steps to minimize the damage.

To verify that only authorized users log in to our home banking system, we use password verification. When you submit your password, it is compared with the one we have stored in our secure data center. For added security, if a password is entered incorrectly three times, we automatically lock the Internet banking account. We monitor and record bad log-in attempts to detect any suspicious activity (i.e. someone trying to guess your password).

We also require additional security on your account. If you are a new home banking user, you will be prompted to request a verification code to be delivered instantly by phone (text or voice) or by email. Enter the verification code to gain access to your account. You can add extra security to one or more computers that you regularly use to access your home banking account. If you (or someone else) logs in from a non-enrolled computer, you will be prompted to request and enter a verification code. The rest of your online banking visit and any future visits from that computer will remain exactly the same.

This superior security technology – called multifactor authentication – identifies you as the true owner of your account by recognizing not only your password but your computer as well. If your computer isn't recognized by us – because you've logged in from a public computer or one you haven't used before – we'll ask you to provide information that only you will know as an additional line of defense to prevent unauthorized access.

When you log in to your online accounts, you're in a secure area, and all actions you take are encrypted. Basically, the information exchanged between your browser and our online banking server is scrambled so no one else can intercept it. Encryption involves exchanging numbers between the end user's browser and the Internet banking server. The numbers act as keys to "unlock" the connection between browser and server, much like numbers on a combination lock. The higher the number of combinations, the less likely it is that an outside party could decipher the key and access sensitive information. We employ 128-bit Secure Sockets Layer (SSL) encryption. To find out if your browser supports 128-bit encryption, click on "Help" in the toolbar of your Internet browser, then "About [browser name]."

We also "time out" an Internet banking session after a specified period of inactivity. This keeps others from viewing or continuing Internet banking activity if you leave your computer unattended.

We have structured our network architecture so that the servers which store your actual account information are NOT connected to the Internet. The requests you make through the Internet are handled by our Internet banking servers. Firewall servers act as a traffic cop between segments of our online banking network used to store information and the public Internet.

What accounts will I be able to access through online banking?
You can access your checking, savings, investment and loan accounts from the online banking service.

How do I set up online banking?
When you join Arsenal Credit Union, a member service representative will walk you through the steps. If you set up an account online, follow the instructions provided to you. If you are currently a member and do not have online banking, 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.

How do I change my password?
After you use your assigned password to log in for the first time, you will be required to change your password. You also can go to My Profile at any time and change your password.

Can I download my transaction history?
Yes. Online banking supports downloads to Quicken®, to Microsoft Money or to a comma-delimited text file.

What kind of information is in an eStatement?
It's the same content as what you would see in a paper statement, such as account balances, transaction activity, electronic funds transfer information, year-to-date interest and error notification procedures.

How do I sign up for eStatements?
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 eStatement disclosure that will appear.

How do I update my email address?
In online banking, select My Profile, then Email Address.

Can I give another user access to my account?
Yes. By setting up a cross-account agreement, you can transfer money, view balances, check transaction history and request transfers from linked accounts – all from one online banking login. The user with access to your account can even make deposits using mobile check deposit on the Arsenal app. To set up account access for another user, the account owner of both the sending account and the recipient account must sign a form for the cross-account relationship to be established. To learn more, contact us or start a live chat.