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.
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.
The 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:
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
Your account information is never more than a text away with Mobile Banking's text banking1. 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 utilize Bill Pay 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 may also access MyCardInfo via the link within the Services 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.
1 Elements Financial does not charge a fee for Mobile Banking or 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. 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 an Mobile Banking banking app. Eligible Elements Financial account required. Certain other restrictions apply. 2) 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. 3) A federal regulation limits the number of transfers that may be made from savings and money market accounts. 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.