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Benefits of Membership

Higher deposit rates. Lower loan rates. Fewer fees.

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Better Rates and Fewer Fees

In one year, our members saved $10.0 million compared to customers elsewhere, which translates to a savings of $112 each year for the average Elements Financial household!1 That's because Elements offers the lowest loan rates and fees and some of the highest deposit rates available.

Total money saved by Elements Members last year 10,000,000

ATMs Located in Many Popular Retailers

  • Circle K
  • Costco Wholesale
  • CVS Pharmacy
  • Hucks
  • Jewel-Osco
  • Kmart
  • Kroger TurkeyHill
  • Marathon
  • Shell
  • Target
  • Walgreens

5,000+ Shared Branches Nationwide

  • Centra Credit Union
  • Crane Credit Union
  • Family Horizon Credit Union
  • Financial Center First Credit Union
  • Forum Credit Union
  • IU Credit Union
  • NorthPark Community Credit Union
  • Purdue Federal Credit Union
  • Solidarity Community Federal Credit Union
  • Teachers Credit Union

ATMs & Branches Everywhere You Are

We serve members in all 50 states and 50 countries. Elements Financial gives you access to more branches and surcharge-free ATMs than the country's leading bank.

  • 78,000+ ATMs globally, 2,000 in Indiana — all with no surcharges
  • 5,000+ shared branches nationwide, 250 in Indiana
  • CO-OP ATM Network logoCO-OP Shared Branch Network logoLook for the CO-OP ATM network or Shared Branch logo 
  • Located in many popular retailers

Find an ATM or Branch Near You

Easy Online Banking

Our  tool allows you to easily access your accounts 24/7 from any device.

  • View all your accounts and check your balance
  • Transfer money, pay bills, and make loan payments
  • Scan and upload checks
  • Review your account history with electronic statements
  • And more

Create an Account

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Mobile Banking App with Mobile Deposit

Save yourself a trip to the ATM or branch by depositing checks on your phone. With the Elements Mobile Banking App, you simply snap a photo of the check and it is deposited directly into your account. Our members love this service.

Other benefits of our Mobile Banking App include:

  • Locate ATMs and shared branches
  • Check your balance and review statements and notices
  • Set up and pay bills anywhere with your phone

Download on the App Store Get it on Google Play

Local Member Service

We are here to support you. We are headquartered in Indianapolis and our member service team is available 24 hours a day, 7 days a week at 1-800-621-2105 to help you work through financial decisions, solve issues and answer any questions you have. Our goal is to deliver 100% satisfaction by taking the time with our members to understand your needs and unique circumstances.

At other institutions, I felt like I didn't have any support. With Elements Financial, not only do I feel as if I have people to support me, but I also have control of my own financial life because of conveniences like the mobile app and online banking.
-Kyle|Elements Member
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Live Chat

Chat with a live person on this site from 8am to 5pm Eastern or any time on Facebook or Twitter. Or, you can call customer service 24 hours a day, 7 days a week at 1-800-621-2105

Start live Chat

Focused on Your Financial Wellness

We offer financial wellness resources and onsite workshops to support you and your decisions about home buying, student financial aid, credit ratings, and how to proactively protect your identity

Browse Financial Resources

View Upcoming Workshops

Easy to Get Started

Getting started with Elements is easy! Simply open an Elements checking or savings account or complete an application for a loan or credit card (which includes opening a savings account). No need to transfer your existing checking or savings account — you can do that at a later date if you decide that is the right decision for you.

You can also add additional joint account holders or designate a beneficiary with the Membership Application Addendum.

Open an Account

Download Application Addendum (PDF)

  1. 1 Competitive Values are estimated by comparing historical savings and lending rates at Elements Financial and at the five banks and credit unions with the largest market share in Central Indiana; data valid as of 6/30/2019.