You just finished your last class of the day and you grab your mail as you enter your dorm building. Awesome — you’ve got a check from your parents for a little weekend fun! But wait, your Advia branch is back in your hometown, 2 hours away. How will you get your cash by tomorrow??? Let us introduce you to Advia’s e-Services, a plethora (college talk) of products and services that will keep you connected to your money no matter where you are. For real.
Let us drum up some everyday scenarios and show you how one (or two) of our e-Services can give you access to your cash without ever stepping foot in a branch.
The situation above where you just received a check that you desperately need cashed for the weekend.
e-Services: RDA & ATM
Remote Deposit Anywhere (RDA): Deposit that check remotely using your smartphone and Remote Deposit Anywhere within our Advia Mobile App. Snap, tap, and go! $200 is available instantly and the full amount is available within 2 business days. You can access that money with your Advia Debit Card for payments when you’re out having fun.
ATM: With over 30,000 fee-free CO-OP Network ATMs, you can deposit your check and get cash right from the ATM. Find a fee-free CO-OP Network ATM near you!
You just finished a tasty meal with your best friend and they announce that they won’t be covering the whole thing; you need to split the tab. Uh oh. You have no cash, so what can you do?
e-Service: P2P Payments
Send your friends the money securely and instantly with our P2P (Person-to-Person) Payments within our Mobile Banking App! All you need is your friend’s email or cell phone number and the money will be available instantly.1
You got a part-time job and you don’t know what to do with your bi-weekly payroll checks.
e-Service: Direct Deposit
Use Direct Deposit to get your payroll checks automatically deposited into your account on payday. Then just use your Debit Card to make payments or to access cash at a nearby ATM. No hassle!
You’re taking Economics 101 and you’ve realized that if you want to be a millionaire by the time you’re 30, you need to at least have a Savings Account with some money in it.
e-Services: Digital Banking and Advia Mobile Banking App
Within Digital or Mobile Banking, you can open new accounts, transfer money one time or set up recurring transfers, and more. Now you can start earning compound interest on your nest egg and grow your fortune while you’re still in school. With rates ranging from .15 – 1.50% APY,2 now’s the time to start investing. Or better yet, want to earn even higher interest rates on money you’re saving for your future? Invest in one of our CD options that can pay you interest over 2%APY!3
So, go ahead, let the road to riches begin!
You want to visit your girlfriend who is attending college in the next state, but you need a more reliable vehicle. How can you make that happen?
e-Service: Apply Online via adviacu.org
Head over to our website to apply for an Auto Loan entirely online! You might even get 90 days payment free, so you have extra money for date night.4
And just to make sure we’ve covered all the bases, let’s say you:
- Lose your Debit Card
- Are going down to Florida for Spring Break (woohoo!)
Visit our website to complete the Travel Alert Form so you have continued access to your money while you’re having fun.
- Want to refer a friend (or friends) to Advia and make an easy $50 (who doesn’t?)
Refer your friends online and share your personal URL for unlimited referrals (and unlimited $50!).5
So, don’t think you need to close out your account just because you’ve moved away from your local Advia branch. You still have 24/7 access to your cash and all the services you need to use your money easily. Now get back to partying – we mean studying!
1.If the person you’re making a transfer to is accepting with their debit card (not ACH), AND their institution supports it, it will be made instantly. If that person chooses to accept via ACH, it can take 2-3 business days. 2. Annual Percentage Yield. Promotional rate available for four statement cycles; no minimum balance required during promotional period; limited to one per account. No additional Member Advantage Program rate incentives may be applied. 2 After the promotional period, a minimum $500 daily balance is required to earn dividends; the standard tiered rates will apply: $500-$99,999 = 0.15% APY; $100,000-$249,999 = 1.00% APY; $250,000+ = 1.45% APY. Rates effective as of May 1, 2019 and subject to change at any time. Federally insured by NCUA. 3. Annual Percentage Yield based on funds retained on deposit for term of certificate. Limited time offer subject to change. Promotional rate terms to revert to non-promotional terms upon maturity. See certificate for details. Base rate features additional incentive of 0.05% for Advantage Checking and 0.10% for members with Advantage Plus or e-Checking. Subject to penalty for early withdrawal. 4. Interest begins to accrue at the time of disbursement. Floor rates apply. Loans subject to approval. Advia Credit Union is an equal opportunity lender. 5. Qualifying new Advantage relationship must be met within ninety (90) days of new account opening. All deposits federally insured by NCUA. Loans subject to approval, and Equal Opportunity Lender.