Frequently Asked Questions

For optimum viewing and functionality of Online Banking, Adventure supports the latest versions of the following browsers: Chrome, Safari, Microsoft Edge, and Firefox. 

Our free mobile banking app is available in the Apple App Store and Google Play Store.  You can also access our digital banking site from one of the following web browsers on your mobile device: Chrome, Safari, Microsoft Edge, and Firefox.

From the login screen of our online banking site or mobile banking app, select the "Trouble Signing In?" option. Follow the instructions.  Once logged in, you can change your username in Digital Banking by selecting Settings then Security.

Need additional assistance with your account login? We're here to help! Give us a call or text at 800-323-2129 option 6.

272480432

Every member is an equal owner of the credit union. Your primary share account is required because it represents your individual ownership in the credit union. 

Banks are owned by investors. Credit Unions are owned by their members. This means we work in your best interest! Credit unions are also non-profits which allows us to offer more competitive rates and fewer fees.

Anyone who lives, works, worships, or attends school within our field of membership is eligible to join Adventure Credit Union. Our field of membership includes 10 counties in Michigan and covers the Greater Grand Rapids and Greater Lansing areas. 

To set up direct deposit you will need to give your employer or payroll provider our routing number (272480432) and your Adventure savings or checking account number. If you're employer requires a direct deposit form, stop into your local branch or give us a call at 800.323.2129 option 6 and we can provide you a form. 

Ready to order checks? You can do so by logging into your online banking and selecting More Services. Or you can connect with one of our helpful team members to assist you with your order.

Yes, Adventure Credit and Debit cards will work internationally. There is no fee to use your debit card internationally. However, merchants may charge their own fee for international transactions or there may be a fee for the currency conversion. If you are unsure, reach out to the merchant first. If you are planning on traveling, please submit a travel notification in digital banking. After logging in to your account, select Support, then Messages to send us a message regarding your travel dates and locations. Or give us a call or stop into your local branch during business hours.

If you are planning on traveling protecting your credit and debit cards is vital. We suggest getting a travel notice in place. To submit a travel notification, log in to your online banking and select Support, then Messages to send us a message regarding your travel dates and locations. Or give us a call or stop into your local branch during business hours.

Adding a joint owner on the account is simple, and we offer a couple of ways to do this. We recommend visiting your nearest Adventure branch, but be sure to bring along your new joint owner so they can sign any additional forms. Each of you will need your valid, unexpired, government-issued identification. You may also request to add a joint member through your online banking by selecting Support, then Messages. Send us a message with the request to add a joint member to your account and one of our team members will respond during normal business hours with next steps to start the process. 

If you are unable to stop into a branch and prefer to add a joint account owner remotely, please call our Contact Center at 800.323.2129 option 6 so we can provide you with additional information you need!

Your account number is available when logged into digital banking. Once you are logged in simply click on a share, scroll down below the recent transactions to view your account details.  Click the eye symbol to reveal your membership number or account MICR number. It can also be found at the bottom of one of your checks to the right of the routing number. If needed for direct deposit, please ensure you are following the format found here.

Yes, your savings are insured up to at least $250,000 under the NCUA. This is the credit union equivalent of the FDIC (which is what banks use to insure their customers).

We can assist you in setting up a recurring monthly payment from another bank or credit union via ACH. Please call us at 800.323.2129 option 6 to get started. You can also process your own one-time loan payments from another financial institution using digital banking. Log into Online Banking, select Payments, and click on From Debit Card, and then select the loan you are making the payment towards. Fill in the information needed and click submit. Instead of a debit card, you may also use your account and routing information from your other financial institution. Fees apply.

Your total balance and available balance may vary if your account has pending deposits on hold, pending card purchases, or ATM transactions that haven't cleared the account yet.

Members who earned at least $10 in interest or paid at least $600 in home or business loan interest for the year will receive tax documents from the credit union.
If you are enrolled in eStatements, you can find your tax documents by logging into your online banking and selecting Statements.
Tax documents are mailed or made available online by Jan. 31 for the most recent tax year.

To update your contact information, home address, or mailing address, stop into your local branch or simply log into your online banking account, select Support, then select Messages. Send us a message with your new address and one of our Trusted Financial Guides will assist you in getting your address updated. To update your phone number, stop into your local branch or simply log into your account, select Settings, then select Personal Info, then select Manage to get your phone number updated. Have a name change or other update? We may need to get more information. Give us a call at 800.323.2129 or stop into a local branch to discuss next steps. 

We are part of the cooperative (CO-OP) network, so members of Adventure have access to over 30,000 surcharge-free ATMs, 5,000 shared branch credit union locations, and more than 2,000 self-serve locations. Find an ATM or Shared Branch location near you now.

We are part of the cooperative (CO-OP) network, so members of Adventure have access to over 30,000 surcharge-free ATMs, 5,000 shared branch credit union locations, and more than 2,000 self-serve locations. Find an ATM or Shared Branch location near you now.

Simply start your Adventure Membership by opening a Primary Share Savings Account with an initial deposit of as little as $5. The $5 deposit is still your money, so membership is actually free.

You do not need to have an account or be a member to apply for a loan with the credit union. If your loan is approved, an account will be opened for you as part of the loan process. Ready to start your application? Visit here.

How to transfer funds:
Log in to your Adventure account through online banking or the mobile app. Select the "Move Money" option within the menu. Then select "To a Non-Member", and provide the information needed. There is a $250 limit per day. You can also use Bill Pay service if you have the receiving account information. Longer processing times may be needed with Bill Pay. 

We got you covered. All of our branches are equipped with a notary onsite who would love to help you. We do recommend making an appointment so we can better serve you. 

Adventure's Skip-A-Pay service allows qualified members the option to pay a $35 fee to skip their normal monthly loan payment up to twice a year (max 2 skips per rolling 12 months). 

You can complete the form in Digital Banking, after logging in, any eligible loans will appear in the “Skip-A-Pay” widget on the “My Accounts” screen.  Simply click the “Skip” button and follow the prompts. You can also stop into your local branch to process your Skip-A-Pay. Not sure if your loan is qualified? Give us a call or text us at 800-323-2129 or stop into your local branch.

Card and Account Alerts can be configured in Digital Banking. Log into your account, then select your profile icon in the upper right corner. From the menu, choose "Settings." Then select "Security," and "Manage Alerts." You can then configure alerts on the "My Alerts" screen.

Accounts are available for children, pre-teens and teens. To acquire a debit card for a minor account, a form must be signed by both the minor and the parent or guardian on the account. To sign this form, stop into your local branch. Have additional questions? Give us a call or text us at 800-323-2129.

Adventure Credit Union provides multiple layers of protection to ensure you have the purchasing power you deserve all year long. The first line of defense is allowing overdraft transfers from a share account or line of credit. The next line of defense is Courtesy Pay.

Changes in federal regulations require Adventure to receive your consent before we cover overdrafts on items such as everyday debit and ATM transactions. If you have not told us that you want your overdrafts covered, you run the risk of having your debit card declined when you need it most. However, by giving us your consent, you will enjoy peace of mind knowing your credit union will pay your transaction in the event of an overdraft up to an approved limit for a fee. Call our Contact Center today at 800-323-2129 to enroll your account or stop into your local branch.

Great news! Some of our locations do offer coin counting services, at no additional cost. Our 32nd Street branch in Grand Rapids and our Lake Lansing branches have coin counters available to our members. We do ask that you keep the amount of change limited to a coffee can sized container. 

If your Adventure account is inactive for 365 days or more, you may be charged an inactivity fee and be at risk of account closure.

To place a stop payment on a check, login to Online Banking, then go to 'More Services', and select 'Stop Payment'. You may also call our Contact Center or visit your local branch. 

Please note, there may be a fee for this request.

To place and ACH stop pay, please call our Contact Center or visit your local branch.

Please note, there may be a fee for this request.

Dividends for our Money Market accounts are compounded daily and paid into the account monthly.

Yes! Select the appropriate account inside the Online or Mobile Banking. In the transaction history, locate the check transaction you wish to view and click on the check icon image. Depending on how the payee cashed or processed the check, not all checks may have an image. 

Yes, Adventure debit cards are compatible with ApplePay, Google Pay, and Samsung Pay. Just follow the enrollment instructions for your digital wallet of choice.

Spare Change Savings is the round-up savings account that deposits extra change into your account by rounding your payment to the nearest dollar every time you use your MasterCard Debit Card. The round up is deposited into your Spare Change Savings account. Withdrawals are allowed anytime!

GAP stands for Guaranteed Asset Protection, but it really does take care of a gap in your insurance coverage. GAP insurance pays the difference between what you owe on a car and what it's worth if your vehicle is totaled in a covered loss, such as an accident or theft.

Adventure does not partner directly with any third-party P2P payment apps. 

You can transfer to another member of Adventure by logging into your digital banking. On the menu, click "Move Money," then select "Payments & Transfers." When selecting a destination account for the transfer, scroll to the bottom of the menu and select "Add New Member Destination." You will need the receiving member's account number and last name.

Without parental approval, the legal age to open a checking account is 18. If you would like to open a checking for a minor, a form must be signed by both the minor and the parent or guardian on the account. To sign this form, stop into your local branch. Have additional questions? Give us a call or text at 800-323-2129.

The time to close on a loan can depend on a lot of factors including the type of loan. For more information and a potential timeframe estimate we suggest connecting with one of our lending specialists. Give us a call at 800-323-2129 option 4.

Yes! There's no limit on the number of credit unions you can belong to. Adventure would be happy to have you as a member.

Yes! Adventure Credit Union offers a variety of mortgage products to help you purchase a new home, build a new home, buy vacant land, or refinance an existing mortgage.

Yes! Our Adventure Retirement and Investment Services team can help you plan for a confident retirement.

Yes!  Our Adventure Retirement and Investment Services team can help you with your investment needs.

Adventure Credit Union observes all federally recognized holidays. You can view our Hours of Operation and Holiday Schedule here.

The Adventure Retirement and Investment Services team can assist you with a 529 College Savings Plan. Contact our Adventure Retirement and Investment Services team today.

To set up direct deposit, you will need to give your employer or benefit provider with our routing number (272480432), and your Adventure savings or checking account number.

Need help finding your member account number?

Need to check on a recent deposit? Simply log into your account via Online Banking or Mobile App and review your account history.

Adventure Credit Union offers several convenient options for making a loan payment - you can make a payment through online banking, by calling us at 800-323-2129 option 6, or by visiting a branch near you! Some fees may apply. Find a location near you.

Yes! We are happy to help you with refinancing a loan from a competing financial institution. We love to help our members secure a lower monthly payment, a lower interest rate, or both. Apply for a loan online.