Digital Banking

As part of our upgrade, you'll notice a refreshed, more modern interface with several new and improved features. Here's what's changed:

• Card Management is now integrated: No need for a separate Card Control app. All card controls — including turning cards on/off, reporting a lost card, ordering a new card, PIN management, travel notices, and Add to Wallet — are built directly into Elements Digital Banking on both desktop and mobile. - Learn More
• Advanced Financial Wellness: Our budgeting tools include a Spend Forecast alongside the monthly budgeting features you already use. - Learn More
• Savings Goals: A new tool to create and track personal savings goals directly within your account. - Learn More
• Manage Users: You can now grant another person — like an accountant or trusted family member — secure access to your accounts without sharing your credentials. - Learn More
• Centralized Statements: Account statements, credit card statements, and mortgage statements are all accessible from one convenient hub.
• Integrated Account Access: Most accounts are now managed directly within Digital Banking — no separate portal.

If you're already an Elements online banking user, you'll continue to use your existing login ID and password on your first login. When you first sign in after the upgrade, you'll complete a one-time verification step. You can continue to use the same password as long as it meets password requirements. 

Mobile app users will need to update their app before logging in. You'll be prompted to do this automatically if you haven't already. 

The standalone Card Control by Elements app will be retired after the upgrade. 

All Card Management features are now fully integrated into Elements Digital Banking — and you'll find even more options, including the ability to report a lost card, order a new card, and manage your PIN.

If you previously used the Card Control app, please delete it from your device after the upgrade to avoid duplicate alert notifications. You'll need to re-register your cards and recreate any alerts or controls within the new platform. 

As part of our upgrade to the new Elements Digital Banking platform, CardSwap is no longer available. We apologize for any inconvenience this may cause. 

What you can do instead 

To update your card on file with streaming services, subscription accounts, or other merchants, you'll need to visit each merchant's website or app directly to update your payment information. Many merchants make this easy through their account settings. 

As part of our upgrade to the new Elements Digital Banking platform, ClickSwitch is no longer available. We apologize for any inconvenience. 

Switching your direct deposit or recurring payments 

Need to update your direct deposit to your Elements account? Our team can walk you through the process.

• Call us: 1-800-621-2105 (24/7)
• Live Chat through the website or digital banking

Yes — and they're better than before. Budgeting tools will remain available in Digital Banking after the upgrade.

You'll still be able to create budgets, link external accounts, and track spending. New additions include a Spend Forecast widget — visible directly on your dashboard after you activate Advanced Financial Wellness. 

Set email, text, and push notification alerts on your accounts, cards, and bill pay — all from one place. Alerts are fully available and more customizable than before.

Action required: Your existing alerts will not carry over in the upgrade to our new Digital Banking. You'll need to set them up again after — it only takes a few minutes.

Alert types include:

• Balance Alerts — standard balance alerts and balance summary alerts
• Transaction Alerts — deposits and withdrawals above a set amount
  Transfer Alerts — internal and external transfers
• Loan Due Alerts — reminders 1–5 days before a payment is due
• Check Cleared Alerts — know when a check has cleared your account
• Login Alerts — get notified of account sign-ins
• Card Alerts — set limits by location, merchant type, transaction type, and spending amount (via Card Management)
• Bill Pay Alerts — stay on top of scheduled and sent payments
• Security Alerts — sent automatically when suspicious activity is detected

Yes!

Simply select Deposit Check right from within digital 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.

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 Digital Banking. Because the email is delivered behind the secure login area, you know it will go directly to the intended party.

Transaction Alerts

You can set up a variety of automated account and security alerts in Digital 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

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 Digital 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 Digital Banking. What do I do?

We understand this is a frustrating experience. If you have been locked out of Digital 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 Digital Banking?

We strive to ensure Elements Digital 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.