Help Center

A Money Market account is basically a savings account that uses higher minimum balances to let us give you better dividends.

Dividends are calculated on a daily basis and are compounded monthly. For a Premier Money Market account, you need to maintain a minimum balance of $2,000. For a Platinum Money Market account, you need to maintain a minimum balance of $20,000 and hold an active Alta Vista checking account. Active is defined as used on a regular basis with obvious transactional activity during the course of a calendar month.

Yes. Debt Protection may help cover the cost of the loan if something affects your ability to make payments.

Debt Protection

Yes. All of your Alta Vista loans can be paid through our online and mobile banking services.

Yes, you can finance new or used vehicles through our vehicle loans.

You’ll need to become a member first. But it’s easy!

How to Join

Yes. You’ll get access to online banking, mobile banking, Bill Pay, and more.

Digital Banking

Yes. You’ll be eligible for a Visa Checkcard.

Visa Checkcard

You can order checks through our online service.

Order Checks

You can get Alta Vista Perks with our Prestige and Prime checking accounts. Pro checking is not eligible.

When you’re approved for a Home Equity Line of Credit (HELOC), you’re allowed to borrow up to the maximum amount that you were approved for. The line of credit is flexible, meaning you can take out as little or as much as you need. If you start a project and realize you need more funds, you can borrow more without going through another approval process.

No. You’ll only pay interest on the actual amount that you borrow.

Accounts are conveniently labeled, such as “1” for Savings, “2” for Checking or “152” for Loans. Please verify your account labels in online banking or call us for verification. You can always press 0 during business hours to talk to a representative.

You can pay almost anyone using Bill Pay. Simply click the “New Payee” button and select between Businesses and People. The online form will help you fill out all the information you need to enter. Pay things like mortgages, utility bills, phone bills, credit cards, loans, photographers, doctors, and services.

You’ll need to become a member first. But it’s easy!

How to Join

Yes. You’ll get access to online banking, mobile banking, Bill Pay, and more.

Digital Banking

You can order checks through our online service.

Order Checks

You can get Alta Vista Perks with our Prestige and Prime checking accounts. Pro checking is not eligible.

This can be done in three easy steps: 1) Click on Bill Pay menu option 2) Select Transfers 3) Select “+ Accounts” option. Two small test deposits will be sent to the external account within 3 business days.

You can pay almost anyone using Bill Pay. Simply click the “New Payee” button and select between Businesses and People. The online form will help you fill out all the information you need to enter. Pay things like mortgages, utility bills, phone bills, credit cards, loans, photographers, doctors, and services.

Bill Pay requires an Alta Vista checking account.

Bill Pay can process both electronic transfers and payments through the mail. Simply enter the information of the person or business you’re trying to pay, and our system does the rest.

You can add an external bank account by accessing the Money Management section, clicking “Add an Account,” on the righthand side and follow the steps.”

You can transfer funds from an external bank account by accessing the Transfer Details section, clicking “Add Recipient,” and selecting “at another bank.”

Yes. By default, all your Alta Vista accounts are visible, but you can change which accounts you see by going to Settings and clicking “Accounts page.”

Pending transactions are automatically displayed above the current transaction history. If you want a complete list of pending transactions, visit the “Next 15 Days” section.

Please go to your Internet browser settings and allow cookies to the following websites:

www.altavistacu.org

www.altavistacuonline.org

www.billpaysite.com

This can be done in three easy steps: 1) Click on Bill Pay menu option 2) Select Transfers 3) Select “+ Accounts” option. Two small test deposits will be sent to the external account within 3 business days.

Yes, for best results please use Google Chrome or Microsoft Edge.

You can pay almost anyone using Bill Pay. Simply click the “New Payee” button and select between Businesses and People. The online form will help you fill out all the information you need to enter. Pay things like mortgages, utility bills, phone bills, credit cards, loans, photographers, doctors, and services.

Bill Pay requires an Alta Vista checking account.

Bill Pay can process both electronic transfers and payments through the mail. Simply enter the information of the person or business you’re trying to pay, and our system does the rest.

You can add an external bank account by accessing the Money Management section, clicking “Add an Account,” on the righthand side and follow the steps.”

You can transfer funds from an external bank account by accessing the Transfer Details section, clicking “Add Recipient,” and selecting “at another bank.”

Yes. By default, all your Alta Vista accounts are visible, but you can change which accounts you see by going to Settings and clicking “Accounts page.”

Pending transactions are automatically displayed above the current transaction history. If you want a complete list of pending transactions, visit the “Next 15 Days” section.

Please go to your Internet browser settings and allow cookies to the following websites:

www.altavistacu.org

www.altavistacuonline.org

www.billpaysite.com

This can be done in three easy steps: 1) Click on Bill Pay menu option 2) Select Transfers 3) Select “+ Accounts” option. Two small test deposits will be sent to the external account within 3 business days.

Yes, for best results please use Google Chrome or Microsoft Edge.

No. It is an unsecured loan.

You can make one-time and recurring payments to your Personal Loan through online banking, mobile banking, and telephone banking.

Yes. Debt Protection may help cover the cost of the loan if something affects your ability to make payments.

Debt Protection

Yes. All of your Alta Vista loans can be paid through our online and mobile banking services.

Yes, you can finance new or used vehicles through our vehicle loans.

Boats, RVs, snowmobiles—pretty much anything with an engine. If you’ve got questions, get in touch. We’d love to hear about what you’re interested in!

If you also have a checking account or loan with Alta Vista, there are no monthly service fees. If you don’t have a checking account or loan with Alta Vista, you’ll need to maintain a minimum balance of $500 to avoid monthly service fees.

Through online banking, you can name and rename your Special Savings Account.

Yes, you can setup automatic transfers to this account through online banking.

No. Youth 14+ can access a checking account, but it is completely optional. You’ll be able to select what features your child has access to when you open the account.

They can open a Share Account and get access to the full lineup of Alta Vista accounts. We can walk you through the process when that time comes.

No. It’s $10 to open, and there are no minimum balances or fees after that.

Yes. You can setup automatic transfers to your Holiday Club Account through online banking.

• Dial 1: Account & Loan Balance Inquiries
• Dial 2: Payments and Transfers
• Dial 3: Account History – Transactions
• Dial 4: Share or Loan Withdrawal
• Dial 5: Get Account Information by Email
• Dial 6: Stop Payments
• Dial 7: Change your Access Code
• Dial 8: Get Credit Union Information
• Dial 9: More options or repeat options
• Dial Zero: Transfer to a Phone Representative (during business hours)

Always press # after entering your member number, access code, account numbers, transaction amounts and check numbers.

You don’t need to include decimals, but keep in mind that the last two digits of a number that you enter will be cents. So if you enter “100,” that will register as $1.00. To enter $100.00, you would need to enter “10000.”

Press * to return to the previous menu.

After you’ve entered the relevant information, you’ll be asked to confirm or cancel your transaction. Press 1 to confirm or press 2 to cancel.

To set up Audio 24, call us or email us and we’ll provide you with an initial access code. After you have your code, call 909-809-3837 (800-382-8130 from outside the 909 area) and we’ll walk you through the process. Once you call, you’ll be asked to:

1. Press 1 for English or 2 for Spanish.
2. Enter your member number, followed by the # sign.
3. Enter your access code, followed by the # sign.

Press “0” to talk to a credit union representative during business hours.

Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.3 With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.2

You can send money to friends, family and others you trust.2
Since money is sent directly from your bank account to another person’s bank account within minutes,3 it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.

To get started, log in to Alta Vista Credit Union’s online banking or mobile app and navigate to the “Send Money With Zelle®” tab. To enroll, accept terms and conditions, tell us your email address or U.S. mobile number and deposit account, and then you will receive a one-time verification code, enter it and you’re ready to start sending and receiving with Zelle®.
To send money using Zelle®, simply add a trusted recipient’s email address or U.S. mobile phone number, enter the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.3
To request money using Zelle®, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request.”4
To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®.

If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.3
If you have not yet enrolled with Zelle®, follow these steps:
1. Click on the link provided in the payment notification you received via email or text message.
2. Select Alta Vista Credit Union.
3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification – you should enroll with Zelle® using that email address or U.S. mobile number where you received the notification to ensure you receive your money.

Zelle® is a great way to send money to family, friends and people you are familiar with such as your personal trainer, babysitter or neighbor.2
Since money is sent directly from your bank account to another person’s bank account within minutes,3 Zelle® should only be used to send money to friends, family and others you trust.
Neither Alta Vista Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

It’s easy — Zelle® is already available within Alta Vista Credit Union’s mobile banking app and online banking within Bill Pay! Check our app or sign in online and follow a few simple steps to enroll with Zelle® today.

You can find a full list of participating banks and credit unions live with Zelle® here.
If your recipient’s financial institution isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.
To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number and a Visa® or Mastercard® debit card with a U.S.-based account (does not include U.S. territories). Zelle®

In order to use Zelle®, the sender’s and recipient’s bank accounts must be based in the U.S.

Yes! They will receive a notification via email or text message.

Keeping your money and information safe is a top priority for Alta Vista Credit Union. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

When you enroll with Zelle® through your online banking Bill Pay account or mobile banking app, your name, the name of your financial institution and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Alta Vista Credit Union).
When someone sends money to your enrolled email address or U.S. mobile number, Zelle® looks up the email address or mobile number in its “directory” and notifies Alta Vista Credit Union of the incoming payment. Alta Vista Credit Union then directs the payment into your bank account, all while keeping your sensitive account details private.

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel and then select “Cancel This Payment.”
If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call our member service team at 9098093838 so we can help you.
Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Alta Vista Credit Union but are a separate service from Zelle® and can take one to three business days to process.
You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

Money sent with Zelle® is typically available to an enrolled recipient within minutes.3
If you send money to someone who isn’t enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will be available directly in your recipient’s account, typically within minutes.3
If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.
If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.
Still having trouble? Please contact our member support team at 909.809.3838.

If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle® for these types of transactions.
These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Alta Vista Credit Union nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our member support team at 9098093838 and ask them to move your email address or U.S. mobile phone number to your financial institution so you can use it for Zelle®.
Once member support moves your email address or U.S. mobile phone number, it will be connected to your bank account so you can start sending and receiving money with Zelle® through your Alta Vista Credit Union banking app and online banking. Please call our member support team at 909.809.3838 for help.