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Online Banking and Mobile App

It’s easy to do your banking and budgeting with Elements — no matter where you are.

Enroll in Online Banking Login to Online Banking

Or call 1-800-621-2105

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Online Banking and Mobile App


  • Check your balances, make loan payments, and transfer money between accounts
  • Pay your bills online 24/7/365 from anywhere
  • Pay friends and family conveniently with Pay a Friend from Elements
  • Have on-the-go access with the Elements Mobile app for Android and Apple devices


  • Enjoy the same user experience no matter what device or browser you are using
  • Secure with multi-factor authentication and Touch ID on compatible Android and Apple devices
  • Review your account history with a 14-month electronic archive of statements


Our experienced, helpful member service team is ready to support you!


Live Chat

Chat Available Mon-Fri, 9 am-5 pm Eastern

Online Banking

Here are a few of the many benefits you get with Elements Online Banking and our Mobile App:

  • View your accounts with many customization options including email, phone or SMS alerts
  • Integrated Budgeting Tools to see all your accounts across any of the banks or credit unions you do business with
  • Transfer funds and make loan payment
  • Manage bill payments from any device
  • View statements and notices — 14-month electronic archive of your credit union statements
  • Make check deposits
  • Locate branches and ATMs near you
  • Reorder checks
  • See check images
  • Place stop payments
  • Receive account alerts
  • Contact Elements securely
  • See your FICO® Score with any checking account or loan
  • CardSwap is a single spot to update your card on file wherever you pay — subscription and streaming services, eCommerce merchants, and more. Enroll your debit card in CardSwap through online banking and the mobile app, to easily update your recurring charges for services like Uber, Lyft, Apple, Google, Netflix, Venmo, Doordash, and more


Special Tip for Parents

Open a competitively priced Elements savings account for yourself, and ask Elements to link it to your student's account(s). You can save and conveniently transfer funds within the family.

Bill Pay

With an Elements checking account, you can pay your bills anytime, anywhere with FREE Bill Pay.

  • Schedule multiple payments at one time
  • Pay any person or company in the U.S.
  • Receive payment reminders
  • Make same-day bill payments and overnight checks, 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.

Mobile Features

Mobile Banking AppThe Elements Mobile Banking app gives you all the conveniences of online banking plus the ability to bank with your Elements account from your phone or tablet. The native apps from the Apple and Google Play stores make it easy for you to enjoy these conveniences.1

  • Same login and password as online banking
  • Check your balances on the go and transfer funds whenever you like
  • Easy access quick links take you to popular features like funds transfer, bill pay, check deposit, and our locations finder
  • Find ATMs and shared branches nearest to you
  • Use the additional Card Control app for things like blocking use if you lose your card, setting usage controls, or placing spending limits
  • Log in with Touch ID on your compatible Android or Apple devices
  • Snap a picture of a physical check for deposit to your account
  • Text Banking lets you access your account as quickly as your thumbs can move.

Control Your Debit Card with Card Control

Card Control App IconManage your debit card like never before. With the Card Control App you can:

  • Turn Your Card Off within seconds if you’re not sure where it is.
  • Receive Alerts and get notified of any debit card activity.
  • Review and categorize usage of your debit card.

Download the Card Control App now in the App Store or Google Play.

Learn more about Card Control.

Text Banking

Your account information is never more than a text away with Mobile Banking's text banking2. 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.

Text banking requires registration through Online Banking. Log into online banking then click on Text Enrollment under Settings. Simply enroll in Text Banking by sliding the switch to On. You can then register a mobile phone number and agree to the terms of service.

Frequently Asked Questions

Q: What happens if I forget or lose my online banking password?
A: No worries, passwords are easy to reset. Just enter your User ID, check the Forgot Password box, and click login. After that just follow the prompts to reset your password.

Q: How do I start using the mobile banking app?
A: To enroll in mobile banking, go to the App Store for your mobile device — Google Play or the Apple Store — search for Elements Financial and download our app. Follow the directions within the download. Our mobile banking app lets you conduct transactions with your mobile device on the go. Check your balance, make transfers or pay bills with ease anywhere, anytime.

Q: How do I obtain login credentials for my mobile banking app?
A: When you enroll for mobile banking you will use your normal Online Banking account ID and password. If you have forgotten your password, you can select the Forgot Password option and follow the guided steps to create a new password.

Q: Can I deposit a check by taking a picture of it on my smartphone or tablet?
A: Yes, mobile check deposits is a feature within the Transactions page of mobile banking; click Deposit Check. This feature allows you to use the camera on your mobile device to capture check images and use them to make a deposit. The Deposit Check tab also displays the details and status of your checks as either pending or processed.

Q: How do I make credit card payments online?
A: Online banking allows you to make credit card payments using Bill Pay. You can manage your Elements Visa credit card through the link in the main menu in online banking or the mobile banking app to make a payment toward your Elements credit card.

Q: What do I need to know about Multi-Factor Authentication?
A: Multi-Factor Authentication (MFA) is a security feature in which more than one form of authentication is implemented to verify the legitimacy of a transaction. The goal of MFA is to create a layered defense and make it more difficult for an unauthorized person to access a member’s account information in online banking. MFA helps Elements Financial meet regulatory requirements for out-of-band authentication by delivering a credential in a channel other than the one in which an end-user is banking. MFA protects end users and Elements from situations where credentials have been compromised.

Q: How does Multi-Factor Authentication (MFA) work?
A: The MFA feature requires our online banking users to supply a Secure Access Code (SAC) /Temporary Access Code (TAC) before logging in. 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, you will be required to request and enter a new SAC/TAC each time you log in to online banking. 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, some members can't log in to online banking without registering their computer each time – even after they have registered it already. 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. Below are instructions for some of the more popular browsers on the market today. If your browser type is not listed below, please refer to your browser's help option for information regarding cookie settings.

Q: What browsers are suitable for use with online banking?
A: Browser support is subject to change with little to no notice and we encourage end users to configure browsers for automatic updates.

Q: Can I use the ATM/branch locator search feature without signing in to the app?
A: Yes, click on the Locations link located at the bottom of the mobile banking login page.

How to Get Started

If you have an existing account with Elements, click here to enroll in Online Banking.


If you are new to Elements, you can open an account in as little as 10 minutes! Or call 1-800-621-2105 to get started.

What you’ll need to open an account:

  • Your government-issued ID (driver’s license, state ID or passport)
  • Social Security number

What to expect during the application process:

  1. You will receive an email within 1 business day to notify you of account approval.
  2. That’s it – your account is now open!
  1. 1 Elements Financial does not charge a fee for Mobile Banking however, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking app. Mobile Deposit is a feature of Mobile Banking. Use of the Mobile Check Deposit feature requires a supported camera-equipped device and you must download our Mobile Banking banking app. Eligible Elements Financial account required. Certain other restrictions apply. A mobile deposit made by 5:00pm Eastern Time Monday-Friday will post next day. Mobile deposits made after 5:00pm Eastern or during holidays/weekends, will post the 2nd business day. For more information, please call 800-621-2105. Apple, and iPod, and iPad and are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone is a trademark of Apple Inc. Android is a trademark of Google Inc.
  2. 2 Elements Financial does not charge a fee for Text Banking however, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply.