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Virtual Checking

This account is perfect for students, the tech-savvy, or the busy member who enjoys doing much of their business electronically. VIRTUAL Checking goes wherever you go.

  • No minimum balance requirements
  • Safe, convenient, secure eStatements
  • FREE Access24 Internet Banking
  • Mobile Banking App
  • Online budgeting with Access 360
  • 24/7 access with CODE Visa® EMV Chip Debit Card
  • Online Bill Pay available for $4.95 per month*
  • Credit score monitoring directly from online banking
  • Share savings and/or Ready Ca$h credit line as overdraft protection

*Bill Pay fee of $4.95 is waived if member has direct deposit of net pay, debit card and eStatements

Access 24 - Online Banking

Access24 is the quick, easy and secure way to view checks cleared and manage your CODE Accounts 24 hours a day, 7 days a week. With FREE Access24 Internet Banking you can:

  • Check your balance.
  • Transfer funds.
  • View account history.
  • Online calculators.
  • eAlerts/notifications.
  • Account sharing.
  • Track your credit score.

Click on "Enroll Now" from the Home Page to get started

Credit Sense® powered by Savvy Money®

Get savvy about your credit score with Credit Sense powered by Savvy Money, an outstanding new resource to help you access and track your credit score.

Credit Sense provides:

  • A free credit score every month
  • Personalized analysis of each component of your credit rating
  • View your score conveniently through your Access 24/Online Banking dashboard.

Visit our Frequently Asked Questions to find out more.

Get started today by logging in to Access 24 and clicking on the “Credit Sense” link.

Online Bill Pay

Save time and money with CODE's Online Bill Pay. No more writing checks or purchasing stamps. Do all this and more with Online Bill Pay!

  • Receive, manage and pay bills.
  • Set up reminders to track when bills are due.
  • Have your bills delivered directly to your Bill Pay.
  • Set up automatic payments.
  • View your bill history.
  • And more!

Receive online Bill Pay FREE* when you have a CODE Checking Account plus a CODE Visa debit card, direct deposit of net pay and eStatements. A monthly charge of $4.95 will apply without these qualifications.

Log in to Access 24 and click on "Bill Pay" to get started today!

Introducing ProPay® - Make a Payment to your CODE Credit Union loan from an account at another financial institution.

Need to schedule a one time payment to your CODE Credit Union loan from an account that you have somewhere else? We can help! Click HERE to get started.

  • Make a payment from your checking account at another institution
  • Make a payment using a debit card
  • Avoid late fees on your loan
  • Make the payment conveniently and securely
  • Have a link sent to your email or phone via text to make your payment

Access 360 - View all your accounts in one place!

At CODE Credit Union we want our online members to be empowered to make the best financial decisions. Access 360 allows members to keep track of all their finances in one convenient place. Access 360 allows you to:

  • View all your accounts in one place, even accounts with other institutions.
  • Create “tags” to categorize and monitor your spending.
  • Set financial goals.
  • Set up and manage an online budget.
  • Track Net Worth.
  • Set up savings goals and goals to pay off debts.
  • And more!

Access 360 is FREE! Log in to Access 24 and click on "Access 360" to get started today!


eStatements are fast, secure and convenient. View and balance your statement when you are ready. Save time. Save space. Save a tree!

  • Statements are safe and secure and ready for viewing when you are.
  • Your financial information is protected and not sitting in your mail box.
  • Eliminates the need to file paper statements away.
  • You will receive an email when your statement is ready for viewing.

Log in to Access 24 and click on "eStatements" to enroll today!

Visa® debit card

The card that works like a check! Purchases and services will automatically be deducted from your CODE Checking Account. No more hassles with check approvals, carrying a checkbook or having extra cash. Coming soon, new chip enabled debit cards. Learn More

  • Use your card everywhere Visa® Debit Cards are accepted.
  • Just present your card, sign the receipt and be on your way.
  • Obtain cash from thousands of Alliance One ATM's nationwide.*

*Find the nearest Alliance One ATM online at

Or Download the ATM locator App directly from the App stores under "Alliance One".

Mobile Banking

Now you can manage your money anytime, anywhere - from your mobile device. It's so easy … ANYONE can do it!

  • Check your account balances.
  • View recent transactions.
  • Transfer money between your accounts.
  • Pay bills.
  • Send money via text or email with Popmoney.
  • Find ATMs and branch locations.
  • And more!

If you have an Android, iPhone, iPad or Android tablet with 4.0 or higher, you can download the CODE Credit Union mobile banking App directly from the App Store. You will find the App under “CODE Credit Union”.

If you have a phone that is not supported by an App, you can still use Mobile Banking. Click here to get started...

Having trouble? Call us at 937-222-8971 for assistance or stop in to any CODE Credit Union office.

Now available! Deposit a check from your mobile phone.
Click here to view instructions.


Send money to anyone via text or email. You only need the person's name and e-mail address or mobile phone number. You can even include a message with your payment such as, "Thanks for the concert tickets!"

  • The fee for Popmoney is currently .50 per transaction.
  • The minimum amount is $5 and the maximum amount for next day service is $500.
  • For 3 day delivery, the maximum is $10,000.
  • Popmoney is a great way to send money to anyone safely, quickly and conveniently ... right from your mobile phone.

Login in to Access 24 and click on "Bill Pay"/ "Popmoney" to get started.

Click Here to view Frequently Asked Questions

PAT-Personal Audio Teller

PAT, CODE's Personal Audio Teller, is the easy and confidential way to be in touch with your CODE accounts 24/7. When you call PAT, you are connected with CODE's computer system that provides you with up-to-the-minute account information.

    Call PAT to:
  • Obtain account balances.
  • Verify deposits and checks cleared.
  • Transfer funds among your accounts.
  • And more!

With PAT's local number (222-4PAT) or toll free number (800-564-5227) you can call from anywhere - work, home or even when you're out of town. If you do not already have a PAT access number, request one today.

ATM Locations

*Find the nearest Alliance One ATM online at

Or Download the ATM locator App directly from the App stores under "Alliance One".

Shared Branching

As a CODE member you have access to more than 2,400 branches nationwide. You can do your financial transactions at participating credit unions at no cost including:

  • Make deposits or withdrawals.
  • Cash checks.
  • Make balance inquiries.
  • Make loan payments and get advances.

You must be a CODE member to use this service. All you need is your CODE account number and photo ID.
For a current listing of Shared Branching locations:

Or download the Shared Branching locator App directly from the App stores under "Co-Op Shared Branch".