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MY CU Online
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Manage My Money

You’ll need more than just superior products and services to reach your financial dreams. You’ll also need easy, low-cost financial services that will help you manage your finances and budget.

Aspire FCU offers you the following financial tools designed to help you manage your money and reach your dreams sooner.

ePower Plus

Empower your finances with Aspire’s new ePower Plus checking account! We’ll give you 1,000 bonus enrollment points ($5 cash back) when you open the account. Plus, we’ll help you:

  • Boost Purchases with Points – when you have to spend money, use your debit card to earn 1 point for ever $1 spent, redeemable for cash back!
  • Benefit from Special Promotions – earn bonus points throughout the year during special promotional periods.
  • Turn Everyday Purchases into Cash – with our Purchase Rewards program, you can use your debit card to get cash back offers from participating retailers.

  • Focus on Rewards (Not Requirements) – we make it easy to earn rewards. Dip your EMV chip and SIGN! There’s no minimum spending amount required to start earning points.

Open your ePower Plus account today – and experience a new kind of banking!

†A $5/monthly service fee will be assessed to ePower Plus Checking Accounts without posted Debit Card Transactions during the month.

Become a Member Online >>

*You may choose whether or not you use this entitlement to obtain the credit monitoring service. There is no cost to you for taking advantage of this offer. When you become eligible for this service, you will receive an email from our partner company providing instructions for activation.


If you do the majority of your banking online, then our eChecking account is perfect for you. You can manage your account online, by phone or by ATM and gain all these advantages:

  • Free Online Banking Service: My Credit Union Online with Bill Pay
  • Free access to over 5,500 Shared Branches
  • Free Call 24 Telephone Banking Services
  • Free Mastercard Debit Card
  • Overdraft Protection available
  • 24/7 access to over 55,000 Surcharge-Free ATMs

†A $5/monthly service fee will be assessed to eChecking Accounts.

Fresh Start Checking*

Aspire Federal Credit Union offers a checking product to members who face challenges with getting approved for checking accounts at banks and “other” financial institutions.

Fresh Start Checking allows you to build a positive financial record with Aspire, while also providing the following benefits to help you grow toward a successful financial future.

  • No ATM transaction fees when using our surcharge-free ATM network
  • Access to 70,000+ surcharge-free ATMs
  • No monthly checking account fee
  • Free online and telephone account access with My CU Online and Call24
  • Accompanying debit card

Best of all, there are just two simple requirements to qualify for Fresh Start Checking.

  • Direct Deposit – full allocation (100%) of your paycheck
  • No Fraudulent History Record

Call 732-388-0477, Option 3 for more information and to apply.

*Account opening subject to review by branch manager. For qualified members only. Other conditions may apply.

Online Bill Payer

Save time, money and the hassles involved with writing checks every month by signing up for Aspire’s FREE Online & Mobile Bill Payer service.

  • Send payments to virtually anyone in the U.S. – from the gas company to the babysitter.
  • Schedule payments in advance as one time or recurring payments.
  • Pay one bill at a time or all of your monthly bills at once.
  • Save money on stamps and trips to the post office.

While you may find it hard to imagine changing the way you handle your bills today, consider our FREE Online & Mobile Bill Payer service and you’ll find out how much extra time you could gain in your life, along with freeing up a lot of extra clutter too. You must have an Aspire FCU Checking Account and be enrolled in My CU Online home banking to take advantage of this free service.

Details here >>

Fees may reduce earnings. See Fee Schedule.

My CU Online

We offer FREE online banking services in a secure and user-friendly environment. You can check balances, transfer funds, review histories, and more from the comfort of your home or office.

Here is a preview of some of things you can do through My CU Online:

  • View your account balance, history and pending debit card transactions
  • Stop payment on a check
  • Set up email alerts to notify you of activity on your account
  • Transfer funds between your Aspire FCU accounts
  • Make person-to-person transfers with Popmoney
  • Pay your bills with FREE Bill Payer
  • Pick your Purchase Rewards – get cash back offers from the types of stores and restaurants you like to go to when you use your Aspire Mastercard Debit Cards
  • Read and send secure messages from and to the Credit Union
  • Update your address and telephone information
  • Change your PIN and password
  • Bank-to-bank transfers
  • Apply for a loan
  • Access your credit card or mortgage

Go green and help the environment!

When you select eStatements at Aspire, you’ll get an email letting you know your eStatement is ready. Your email will include a link to view and print (if necessary) your eStatement. eStatements arrive three to four days faster than paper statements and save on paper and clutter. Simply save your eStatement in a folder on your computer.

To sign up, click on the eDocuments tab in online banking. If you have trouble accessing this tab, you may need to try a different browser or upgrade your current browser.

Watch a tutorial:

Aspire Mobile Banking

Screen Shot 2015-02-02 at 6.21.34 AMUse Aspire Mobile Banking to obtain account balances, view transaction history and make transfers between Aspire accounts. You can also find the nearest CO-OP ATM or shared branch (not available with text banking method).

Aspire Mobile Banking Just Got Better! You can now enroll in Aspire Mobile Banking right from your mobile device.

Mobile banking has three possible methods of using the service on a phone or tablet:

Once you download the app, simply use the same username and password as you do for online banking to access your accounts. For members with iPhone 5S or later, you can use Touch ID to access accounts.

Call24 Telephone Teller

Enjoy convenient access to your Aspire FCU accounts 24-hours a day, with a quick, toll-free telephone call from any touch-tone phone. You can:

  • Request withdrawals
  • Transfer funds between Aspire accounts
  • Make transaction inquiries
  • Get balance information
  • Change your PIN
  • Make loan payments
  • And much more!

Get started today! Simply call 732-388-0477, Option 1 and follow the prompts. It is that easy.

Shared Branches

We have over 5,000 Shared Branches!

Take advantage of a variety of services as if you were at your own Credit Union. We’ve joined forces with other credit unions across the nation to offer you convenient account access wherever you may be! It’s easy to deposit, withdraw or transfer money at a Shared Branch. You can also inquire about your loan balance and make loan payments. Visit our Branch Locator for a location near you.

Surcharge-Free ATMs

We have over 70,000 surcharge-free ATMs!

Access your accounts anywhere, anytime with your ATM or Debit Card at 70,000+ surcharge-free ATMs! Visit our ATM locator for a location near you.

Ordering Checks

We’ve switched to Legacy Checks, so please do not use the reorder slip for checks from Harland Clarke/Liberty.

If you need new checks, simply contact our Member Service team at 732-388-0477 to order.

Once you receive the new Legacy checks, you will be able to use the enclosed reorder slip for future checks, or order online.


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Important Numbers: Routing # 226076083

Member Contact Center 732-388-0477

Loan Hotline
1.855.MY CU LOAN 1.855.692.8562

Call24: 732-388-0477

Lost or Stolen Credit Cards: 1.800.449.7728

Lost or Stolen MasterCard Debit Cards: 1.866.820.1072