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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

Online Banking and Mobile App

You’ve got the power in your mobile device.


Our goal with online banking is simple: to provide you with a state-of-the-art digital banking experience that you can count on and is consistent across all devices. We also want it to be easy to use.

With Elements Online Banking and our Mobile App, you can:

  • Check your balances, make loan payments, and transfer money between accounts
  • Deposit checks using your phone or computer camera
  • See check images online
  • Pay your bills online 24/7/365
  • Review your account history with a 14-month electronic archive of statements
  • Locate branches and ATMs near you
  • Use loads of helpful tools in Online Banking: 
    • Budgeting - Get a consolidated view of all your account balances and spending habits
    • Bill Pay - Pay bills, pay friends, and send gifts — easy and conveniently.
    • Savvy Money Credit Score - Free ongoing credit score, reporting, and monitoring
    • Card Control App - Lets you turn your credit and debit cards off within seconds if they’re lost or stolen
    • Online Banking Alerts - Set a variety of email, text, voice, and in-app alerts so you know what's going on with your Elements accounts and can take action when needed
    • Zelle® - A fast, safe and easy way to send money. — Available in Elements Online Banking and Mobile App
    • Apple Watch App - View your Elements account balances and transactions wherever and whenever you want without having to log in
    • CardSwap - Lost or stolen credit card? Use this tool when you get your new card to update your payment info for multiple companies in just one place



How do I enroll in Online Banking?

A father and his baby in front of a laptop

Existing Account Holders

If you have an existing account with Elements, you can enroll in Online Banking by filling out a simple form for first-time users. You will need to have the following personal details ready: 

  • Member Number (find this in your welcome email, on your member card if you opened the account in-person, at the top of a statement, or by calling 1-800-621-2105)
  • Social Security Number (last 4 digits)
  • Birthdate

After you’ve submitted the enrollment form, you’ll have immediate access. You will receive an email with a temporary password, and then you can create your preferred password.

Enroll in Online Banking

New Elements Accounts

If you are new to Elements, you can open an account online in as little as 10 minutes! Or call 1-800-621-2105 to get started. Have your government-issued ID (driver’s license, state ID, or passport) and your Social Security number ready.

You will receive an email within one business day to notify you of account approval. Once approved, your account is open and you can enroll in online banking.

Open an Account

How do I get the Elements Mobile Banking app?

Download the free Elements Mobile Banking app from your mobile device using Google Play or the Apple Store. Your login information (login ID and password) will be the same for both online banking and the mobile app. You will need to have the following personal details ready when downloading the app: 

  • Member Number (find this in your welcome letter, on your member card, or at the top of a statement)
  • Social Security Number (last 4 digits)
  • Birthdate

The app icon looks like this:


Can I really deposit a check just by taking a picture of it on my smartphone or tablet?

A woman remotely depositing a check with her phone


Simply select Deposit Check right from within online banking or the mobile app. 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.

What tools are available in Online Banking?

Online Banking Features

Elements Online Banking allows you to quickly and easily check your balances, make loan payments, and transfer money between accounts. You can also deposit checks using your phone or computer camera, see all your check images online, and reorder checks. Review your account history with a 14-month electronic archive of statements, place stop payments, set up account alerts. Our easy-to-use mapping tool helps you locate branches and ATMs near you, and if you need to reach out, you can contact Elements with a secure email within Online Banking.

Pay Bills

With an Elements checking account, you can pay your bills anytime with our free Bill Pay tool available within Online Banking. Schedule multiple payments at one time to any person or company in the U.S. You can also receive payment reminders and 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.

Learn More about Bill Pay

Budgeting Tools

Link your accounts across multiple financial institutions within Elements Online Banking so you can see the complete picture of where your finances stand. Our personal money management and budgeting tools categorize your transactions, track spending habits, help you understand your net worth, and more.

Learn More about Budgeting Tools


Free Credit Score and Reports with SavvyMoney

SavvyMoney Credit Report is a free service provided to our members within Online Banking or the mobile app. Your credit file includes a list of open loans, accounts and credit inquiries. You can also see details on your payment history, credit utilization and public records that show up on your account. Checking your credit report with SavvyMoney does not impact your score.

Learn More about SavvyMoney


Card Control

Card Control is an additional app available from Elements that allows you to turn your credit and debit cards off within seconds if you’re not sure where they are. You can also set controls and alerts for a variety of situations, including debit card activity, use by location, spending limits, and more. Note that you must already be using the Elements mobile app to download and use the Card Control app. 

Learn More about Card Control


Online Banking Alerts

You can set a variety of email, text, voice, and in-app alerts in Online Banking so you know what’s going on with your Elements checking, savings, credit card, mortgage, and loan accounts and can take action when needed. Choose to receive notifications such as balance alerts, transaction activity, eStatements, account security notices, Bill Pay reminders, credit score updates, and more. Providing the ability to set custom alerts to stay informed of your financial activity is just one more way Elements aims to support you and your financial wellness.

Learn More about Setting Up Alerts



Send and receive electronic payments quickly and reliably within Online Banking or the mobile app. 

  • Fast — Send money directly from your account to theirs — typically in minutes.1
  • Safe — Send or receive money right from your Elements Financial mobile app. No account numbers are shared.
  • Easy — Send money to almost anyone you know and trust1 using just an email address or U.S. mobile phone number.

Learn More about Zelle



You have a lot of streaming, shopping, and other online or subscription services right at your fingertips -- services like Uber, Lyft, Apple, Google, Netflix, Venmo, Doordash, and more. But updating the payment method for so many services when you lose your card or open a new bank account is time-consuming and frustrating.

CardSwap is a single spot to update your card on file wherever you pay. You can enroll your credit card in CardSwap through Online Banking or the mobile app to easily update your recurring charges. 

Learn More about CardSwap


Text Banking

Your account information is never more than a text away with text banking. 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.

To enroll in text banking, log into Online Banking, click on “Profile,” then “Enroll in Text Banking.” Simply slide the toggle switch to On. You can then register a mobile phone number and agree to the terms of service.

How do I know my accounts are secure?

There is nothing more important to us than your security! We work tirelessly to protect our members. Rest assured, we use the latest in advanced technology to protect your personal information. Read on for more details.

Multi-Factor Authentication

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.

Secure Access Codes

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. 

Touch ID and Facial Recognition

Touch ID uses your fingerprint as a way to log in, while Facial Recognition identifies you with a camera. These options mean you and only you can log in through this method. Touch ID or Facial Recognition can be enabled on the login screen at any time, as long as you already have login credentials. Alternatively, you enable these features under “Profile” in the main menu of the app.

Secure Messaging

You can submit secure emails to Elements within Online Banking. Because the email is delivered behind the secure login area, you know it will go directly to the intended party.

Chip Cards

Chip card technology provides an additional layer of security to help minimize data breaches. Chip card technology is a very secure method to conduct transactions and is more secure than a magnetic stripe technology. While this technology can't prevent all security breaches, a secure payment technology is an important first line of defense.

Transaction Alerts

You can set up a variety of automated account and security alerts in Online Banking to keep you informed of activity on your accounts. Examples of alerts you can set are:

  • When your balance hits or drops below a certain level
  • When an external transfer is authorized
  • When a computer or browser is successfully registered
  • When your password or login ID is changed
  • And many others

Card Control

Card Control is also an additional app available from Elements that allows you to turn your credit and debit cards off within seconds if you’re not sure where they are. You can also set controls and alerts for a variety of situations, including debit card activity, use by location, spending limits, and more.

Read more frequently asked questions about online banking…

What is Elements Financial’s routing (ABA) number?

Elements Financial’s routing number, also known as an ABA number, is 274073834. Routing numbers identify financial institutions. It's a nine-digit number that appears in the lower left corner of your checks, usually preceding your account number. Financial institutions use routing numbers to process payments electronically. Some examples of electronic payments that Elements Financial provides are bill pay, wire transfers, checking transactions (sometimes called electronic checks), and direct deposits.

If you need support to set up a direct deposit or bank wire/wire transfer, please call us at 1-800-621-2105.

What happens if I forget or lose my online banking password?

No worries, passwords are easy to reset. On the Account Log In screen, click the “Forgot Password?” link. On the next screen, enter your User ID and follow the remaining prompts to reset your password.

I’m locked out of Online Banking. What do I do?

We understand this is a frustrating experience. If you have been locked out of Online Banking you must contact us at 1-317-276-2105. For security reasons, we will lock out any member who is unsuccessful in multiple attempts to log into an account. In this case, we will need to verify that you are the one trying to access the account and will ask you to provide personal information to reset your account login information.

What browsers are suitable for use with Online Banking?

We strive to ensure Elements Online Banking works well within all the major browsers. Browser support is subject to change with little to no notice and we encourage end users to configure browsers for automatic updates.

Can I use the ATM/branch locator search feature without signing in to the app?

Yes. Click on the “Locations” link located in the bottom right of the mobile banking login screen.

I’ve used Elements online banking for the past few years and it keeps getting better! My husband and I both use the mobile check deposit feature often and love the simplicity of the app.

- Karson M. | Member since 2012
  1. 1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.

    Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.