Online Banking and Mobile App

Existing Account Holders

如果您有Elements的现有帐户，您可以通过填写一份 simple form for first-time users. You will need to have the following personal details ready: 

• Member Number (find this in your welcome email, on your member card if you opened the account in-person, at the top of a statement, or by calling 1-800-621-2105)
• Social Security Number (last 4 digits)
• Birthdate

After you’ve submitted the enrollment form, you’ll have immediate access. 您将收到一封带有临时密码的电子邮件，然后您可以创建您的首选密码.

Enroll in Online Banking

New Elements Accounts

If you are new to Elements, you can open an account online in as little as 10 minutes! Or call 1-800-621-2105 to get started. Have your government-issued ID (driver’s license, state ID, or passport) and your Social Security number ready.

You will receive an email within one business day to notify you of account approval. Once approved, your account is open and you can enroll in online banking.

Open an Account

Download the free Elements Mobile Banking app from your mobile device using Google Play or the Apple Store. 您的登录信息(登录ID和密码)在利记和手机应用程序中是相同的. You will need to have the following personal details ready when downloading the app: 

• 会员编号(可在您的欢迎信、会员卡或结算单顶部找到)
• Social Security Number (last 4 digits)
• Birthdate

The app icon looks like this:

Yes!

Simply select Deposit Check right from within online banking or the mobile app. 该功能允许您使用移动设备上的相机捕捉支票图像并使用它们进行存款. “存款支票”选项卡还显示了待处理或已处理支票的详细信息和状态.

Online Banking Features

Elements Online Banking allows you to quickly and easily check your balances, make loan payments, and transfer money between accounts. You can also deposit checks using your phone or computer camera, see all your check images online, and reorder checks. Review your account history with a 14-month electronic archive of statements, place stop payments, set up account alerts. Our easy-to-use mapping tool helps you locate branches and ATMs near you, and if you need to reach out, you can contact Elements with a secure email within Online Banking.

Pay Bills

With an Elements checking account，您可以随时支付您的账单与我们的免费账单支付工具，可在利记. Schedule multiple payments at one time to any person or company in the U.S. 您还可以收到付款提醒，当天付款和隔夜支票, if needed.

For questions about Bill Pay, please contact Bill Pay Support directly at 1-877-607-9576, 7:30am-2:00am Eastern, Monday-Friday.

Learn More about Bill Pay

Budgeting Tools

在Elements利记将您的帐户跨多个金融机构连接起来，这样您就可以看到您的财务状况的全貌. Our personal money management and budgeting tools categorize your transactions, track spending habits, help you understand your net worth, and more.

Learn More about Budgeting Tools

Free Credit Score and Reports with SavvyMoney

SavvyMoney信用报告是一项免费服务，提供给我们的会员在利记或移动应用程序. Your credit file includes a list of open loans, accounts and credit inquiries. You can also see details on your payment history, credit utilization and public records that show up on your account. Checking your credit report with SavvyMoney does not impact your score.

Learn More about SavvyMoney

Card Control

Card Control是Elements提供的另一款应用程序，如果你不确定信用卡和借记卡在哪里，它可以让你在几秒钟内关闭信用卡和借记卡. You can also set controls and alerts for a variety of situations, including debit card activity, use by location, spending limits, and more. 请注意，您必须已经使用Elements移动应用程序来下载和使用Card Control应用程序. 

Learn More about Card Control

Online Banking Alerts

You can set a variety of email, text, voice, 以及利记的应用内提醒，让你知道你的元素检查发生了什么, savings, credit card, mortgage, and loan accounts and can take action when needed. Choose to receive notifications such as balance alerts, transaction activity, eStatements, account security notices, Bill Pay reminders, credit score updates, and more. 提供设置自定义提醒以随时了解您的财务活动的功能只是Elements旨在支持您和您的财务健康的另一种方式.

Learn More about Setting Up Alerts

Zelle®

在利记或移动应用程序中快速可靠地发送和接收电子支付. 

• Fast — Send money directly from your account to theirs — typically in minutes.¹
• Safe — Send or receive money right from your Elements Financial mobile app. No account numbers are shared.
• Easy — Send money to almost anyone you know and trust¹ using just an email address or U.S. mobile phone number.

Learn More about Zelle

CardSwap

You have a lot of streaming, shopping, and other online or subscription services right at your fingertips -- services like Uber, Lyft, Apple, Google, Netflix, Venmo, Doordash, and more. 但是，当你丢失了信用卡或开设了一个新的银行账户时，要为这么多服务更新支付方式既耗时又令人沮丧.

CardSwap is a single spot to update your card on file wherever you pay. You can enroll your credit card in CardSwap through Online Banking or the mobile app to easily update your recurring charges. 

Learn More about CardSwap

Text Banking

Your account information is never more than a text away with text banking. Simply text one of the commands, such as "BAL" to the shortcode 226563 and your account will text you back. Texting "HELP" will return the help content for Text Banking and a list of all commands.

To enroll in text banking, log into Online Banking, click on “Profile,” then “Enroll in Text Banking.” Simply slide the toggle switch to On. You can then register a mobile phone number and agree to the terms of service.

There is nothing more important to us than your security! We work tirelessly to protect our members. Rest assured, we use the latest in advanced technology to protect your personal information. Read on for more details.

Multi-Factor Authentication

多因素身份验证(MFA)是一种安全特性，其中实现了多种形式的身份验证来验证事务的合法性. MFA的目标是创建一个分层的防御，使未经授权的人更难以访问会员在利记的帐户信息.

Secure Access Codes

MFA功能要求我们的利记用户在登录前提供安全访问码(SAC)/临时访问码(TAC). This code is delivered via email, text or phone message using contact information attached to your account profile. The MFA process permits online banking users to register browsers or devices. On a registered browser or device, the system will no longer prompt you to enter a new SAC/TAC each time you log in. If you choose not to register your browser, 每次登录利记时，您都需要请求并输入一个新的SAC/TAC. Each time you log in to online banking after you have registered for MFA, it evaluates whether you are using the same computer and browser you registered with us. Online banking looks for our cookies (electronic markers) in your computer’s memory; if it doesn’t find them, we ask you to identify yourself again by providing a code that you receive by email or text. After your computer is registered, you shouldn’t need to provide a code again for that computer using that browser. (Note: Each time you use a public computer, you must provide a code as a security measure.) On rare occasions, 有些会员每次不注册电脑就无法登录利记——即使他们已经注册了电脑. This may mean that their computer’s browser is clearing our cookies, and our website cannot recognize the computer. If you are experiencing this, try changing the settings in your browser. 

Touch ID and Facial Recognition

Touch ID uses your fingerprint as a way to log in, while Facial Recognition identifies you with a camera. These options mean you and only you can log in through this method. Touch ID or Facial Recognition can be enabled on the login screen at any time, as long as you already have login credentials. Alternatively, you enable these features under “Profile” in the main menu of the app.

Secure Messaging

You can submit secure emails to Elements within Online Banking. Because the email is delivered behind the secure login area, you know it will go directly to the intended party.

Chip Cards

芯片卡技术提供了额外的安全层，以帮助减少数据泄露. 芯片卡技术是一种非常安全的交易方式，比磁条技术更安全. While this technology can't prevent all security breaches, a secure payment technology is an important first line of defense.

Transaction Alerts

您可以在利记设置各种自动帐户和安全警报，以便随时了解您的帐户活动. Examples of alerts you can set are:

• When your balance hits or drops below a certain level
• When an external transfer is authorized
• When a computer or browser is successfully registered
• When your password or login ID is changed
• And many others

Card Control

Card Control也是Elements提供的另一款应用程序，如果你不确定信用卡和借记卡在哪里，它可以让你在几秒钟内关闭信用卡和借记卡. You can also set controls and alerts for a variety of situations, including debit card activity, use by location, spending limits, and more.

What is Elements Financial’s routing (ABA) number?

Elements Financial’s routing number, also known as an ABA number, is 274073834. Routing numbers identify financial institutions. It's a nine-digit number that appears in the lower left corner of your checks, usually preceding your account number. Financial institutions use routing numbers to process payments electronically. Some examples of electronic payments that Elements Financial provides are bill pay, wire transfers, checking transactions (sometimes called electronic checks), and direct deposits.

If you need support to set up a direct deposit or bank wire/wire transfer, please call us at 1-800-621-2105.

What happens if I forget or lose my online banking password?

No worries, passwords are easy to reset. On the Account Log In screen, click the “Forgot Password?” link. 在下一个屏幕上，输入您的User ID并按照剩余的提示重置密码.

I’m locked out of Online Banking. What do I do?

We understand this is a frustrating experience. If you have been locked out of Online Banking you must contact us at 1-317-276-2105. For security reasons, we will lock out any member who is unsuccessful in multiple attempts to log into an account. In this case, 我们将需要验证您是试图访问该帐户的人，并要求您提供个人信息以重置您的帐户登录信息.

What browsers are suitable for use with Online Banking?

We strive to ensure Elements Online Banking works well within all the major browsers. 浏览器支持可能会在没有通知的情况下发生变化，我们鼓励最终用户将浏览器配置为自动更新.

Can I use the ATM/branch locator search feature without signing in to the app?

Yes. 点击位于手机银行登录界面右下方的“位置”链接.