User Guides

Account to Account (A2A) User Guide

Account to Account (A2A) is a service CCU offers for qualifying Members to transfer funds to and from an account they are an owner of at an external financial institution. The qualifications for A2A must be met monthly for continued use. To be qualified for the A2A service, your account must meet one of the following qualifications each month.

  • Fulfill the requirements for your Free Rewards Checking Account, any Tier.

OR

  • Have a loan of any type with CCU (this may include a CCU Visa credit card) with a current balance or credit line of $1,000.00 or higher.

If you meet either of these requirements each month, your account will have access to A2A. If these qualifications are not met in a particular month, your A2A access will be removed the following month. However, you are able to meet the requirements during the month the access has been removed to the service will be reinstated the following month.

To utilize the A2A system, follow these steps:

Log into your Online Banking

Go to Transfer Funds -> Manage External Account. If you do not see this option and believe your account has met the qualifications, contact CCU at 877-275-2228.

Screen capture displays image of highlighted Transfer Funds and Manage External Account


You will then be presented with the A2A disclosure. Please read the disclosure, checkmark the box and select “I accept the terms of this agreement”.

Screen capture displays image of highlighted area to select “I accept the terms of this agreement”


Once the agreement is accepted, the next screen will allow you to add an account you wish to use for A2A purposes. The account being added must be an account that you are an owner of.

To add an account, select “Add an account at another financial institution that is not listed above”

Screen capture displays image of highlighted area to select “Add an account at another financial institution”


You are now ready to add your external account.

The information required to add an account will be your external institution’s Routing Number, Account Number (checking or savings) and an Account Nickname. Once you enter your Routing Number, select Verify and the name of your external financial institution will appear above the Routing Number. Enter your Account Number and your chosen Account Nickname. Select if the account entered is a checking or savings account. Submit.

Screen capture displays image of highlighted area to add your external account.


Once this information has been submitted, you will see the newly added account listed under Manage External Accounts. The newly added account will be listed in a “Pending” status. It may also be listed as “Inactive”. Within the next 2-4 business days, you will receive 2 trial deposits into your account at the external financial institution and 2 trial withdrawals that are the same amounts as the deposits.

Once the deposits have been made, take note of the amounts and log back into your CCU online banking to verify the amounts.

To verify the amounts, select Transfer Funds -> Manage External Accounts and select the blue Verify option to the right of the account you are verifying.

Screen capture displays image of highlighted area to select the Verify option to the right of the account you are verifying.


Enter the 2 trial deposit amounts into the fields shown and select Next.

Screen capture displays image of highlighted area to enter the 2 trial deposit amounts.


If the amounts are entered incorrectly, you will receive this error message "We are unable to confirm the entered amount. Please verify your records and try again".

Image shows error message if amounts entered incorrectly.


If you are unsure of the trial deposit amounts, contact your external financial institution for clarification. If the incorrect trial deposit amounts are entered three times, the verification feature will be disabled. Please contact CCU if this occurs.

If your amounts are entered correctly, Verify will change to Active and your external account is now ready to be used for the A2A service.

Screen capture displays image of highlighted area to where verify will change to Active.


A2A Limits

There are limits as to how much can be requested via A2A transfer per day and per month. Please see the daily and monthly limits. These limits are based on the qualifications met.

  • Max $1,000.00 per day/ $5,000.00 per month- this limit is for Members that have a CCU Loan OR a CCU Visa Credit Card that has a credit line or outstanding balance of $1,000.00-$4,999.99 OR if your Free Rewards Checking requirements were met for Tier 1.
  • Max $2,500.00 per day/ $10,000.00 per month- this limit is for Members that have a CCU Loan OR a CCU Visa Credit Card that has a credit line or outstanding balance of $5,000.00-$9,999.99 OR if your Free Rewards Checking requirements were met for Tier 2.
  • Max $5,000.00 per day/ $15,000.00 per month- this limit is for Members that have a CCU Loan OR a CCU Visa Credit Card that has a credit line or outstanding balance of $10,000.00 and higher OR if your Free Rewards Checking requirements were met for Tier 3.

To schedule an A2A transfer, log into your CCU online banking -> Transfer Funds -> Manage Transfers.

Your External Account will show as an account to transfer To or From in the dropdowns. It will indicate (External Account) next to the account number and also show the nickname chosen. Select your From Account and To Account, enter the amount requested, choose a scheduling option (immediate, future dated, or recurring), and enter a description if desired. If you are scheduling a future dated transfer, select the date you would like the transfer to be sent. If you are scheduling a recurring transfer, select the first transfer date and the frequency. When scheduling an A2A transfer, please keep in mind that the transaction may take up to 4 business days to be completed. Submit.

Screen capture displays image of highlighted area to Schedule a transfer.


Your Scheduled Transfer be can viewed within your online banking. Scheduled Transfers can be located by going to Transfer Funds -> Manage Transfers -> Scheduled Transfers.

If not scheduled for immediate transfer, this transaction can be edited or deleted, if necessary. To do so, select the green edit icon to edit or the red X to delete.

Screen capture displays image of highlighted area to where transaction can be edited or deleted.


When your A2A transfer request is in processing, the status of the transfer can be found by going to Transfer Funds -> Transfer Activity -> Transfer History.

The status will read Sent, Delivered or Received. Sent indicates that the transfer is in processing. Delivered indicates that the transfer was credited at the external financial institution. Received indicates that the transfer has been credited into the CCU account. Until the transfer is credited, no Completion Date will be shown.

Screen capture displays image of highlighted area to display where the status will read Sent, Delivered or Received.


Once the external account has been verified, A2A transfers can also be initiated within your CCU Mobile App.

When logged into the CCU mobile app, select Transfers from the Main Menu.

Screen capture displays image of highlighted area to to select Transfers from the Main Menu in CCU mobile app.


Schedule a transfer to and/or from your verified external account. Enter the amount, your scheduling option and a description, if desired. Submit

Screen capture displays image of highlighted area to enter the amount, your scheduling option and a description, if desired.


Once submitted, you will be prompted to review your transfer. Review your From and To Accounts, the Amount, the Scheduling Option and the transfer date chosen. If you would like to edit any of the information, select Edit and you will re-directed to the previous page to make your changes. If you would like to cancel the transfer, select Cancel. If you would like to proceed with this A2A Transfer, select Confirm.

Screen capture displays image of highlighted areas to review transfer and confirm.


If you select Confirm, you will receive a message stating “Your transfer has been successfully scheduled” and a confirmation number will be given.

Screen capture displays that your transfer has been successfully scheduled.


To view, edit or cancel your Scheduled Transfers, go to the Main Menu -> Scheduled Transfers.

Screen capture displays image of highlighted area for Scheduled Transfers.


To view or edit the scheduled transfer, click on the transfer details.

Screen capture displays image of highlighted area to view or edit the scheduled transfer.


Update the information you wish to change for this transfer. Submit.

Screen capture displays image of area to update the information you wish to change for this transfer.


Confirm your changes.

Screen capture displays image of highlighted area to confirm your changes.


Once confirmed, you will receive a notice stating the transfer has been successfully changed and the changes shown under Scheduled Transfers.

Screen capture displays image of a notice stating the transfer has been successfully changed.

To change the From or To Accounts, please delete the scheduled transfer and submit a new request. To delete a Scheduled Transfer, select the red X to the right of the transaction.

Screen capture displays image of highlighted area to to delete a Scheduled Transfer, select the red X.

An alert will be prompted asking if you are sure you want to delete the transfer. Select OK to delete.

Screen capture displays image of highlighted area to confirm you want to delete the transfer.

 


Once confirmed, you will receive an alert stating your transfer was successfully deleted.

Screen capture displays image of an alert stating your transfer was successfully deleted.