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March 11, 2021
How to Add an Account or Link an Account in Online Banking
If you use Grow Online Banking, you may have noticed that you can add or link external bank accounts. Adding and linking are different options with different purposes. Here’s some info about each and detailed instructions to get started.
Adding an external account
We designed this feature to add convenience to your life and make banking across financial institutions a breeze. When you add an external account to your online banking profile, you are setting up access to transfer funds in and out of the external account for free. Keep in mind that these transfers can take up to three business days to complete. Also, make sure your name is on the external account and that you have access to view the transaction history. You’ll need your routing number and account number too.
To add an external account:
- Log in to online banking at growfinancial.org.
- Select Transfers & Pay from the main menu, then choose Transfers.
- Click the “Add an account to make a transfer” hyperlink, located toward the middle of the screen.
- Choose External Account, then follow the on-screen directions to input the account type, routing number and the account number and give the account a nickname that’ll help you identify it.
- Choose a verification method (text, call or email) by which you’ll receive a verification code, then input the code as directed.
- Monitor your external account for two small deposits from Grow, each under $1.00. This can take up to three business days. Once you receive the two deposits, make note of the exact dollar amounts.
- Confirm your added account by logging back in to online banking at growfinancial.org and selecting Confirm from your home screen dashboard. You will be prompted to input the exact dollar amounts of the two trial deposits.
Once you complete the steps above, you’ll be able to transfer money in and out of the account, up to a daily maximum of $10,000, with no additional fees. For added convenience, you can even set up recurring, automatic transfers between your accounts or make direct payments on your loans using the external account as the payment method.
You can also add an external account using our Grow Mobile Banking app.* To add an account using the the mobile app, visit the Transfers tab, select Add Account, click External Account and continue following the remaining steps above.
Linking an external account
When you link an external account, you’re giving yourself access to view balances only, not to make transfers. These balances refresh each time you log in to online banking. Linking an account allows you to view multiple balances in one place to simplify your banking experience.
To link an external account:
- Log in to online banking at growfinancial.org.
- From your Personal Overview dashboard, select Get Started, which is on the righthand side of the page below View External Accounts.
- Enter the name of your financial institution and select it.
- Input your user ID and password for the account you want to link. (Required fields may differ by financial institution. Additional information may be required.)
- Follow the on-screen directions to verify your account according to your financial institution. This may include answering security questions.
- Select the account you’d like to link.
To link an account using the mobile app, select the Accounts tab, then choose the option to link external accounts and follow the on-screen prompts.
That’s it! You will now be able to view your account balances within online banking for your convenience.
*Additional data charges may apply. Please see your wireless carrier for more information. Additional fees may also apply at your other financial institution.
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How to Find Your Routing & Account Numbers
When you make a payment online, by phone or on a mobile device, you may be asked for our routing number and your checking account number. Credit unions and banks use these numbers to identify accounts and make sure money gets where it’s supposed to be. You’ll also need to provide your routing and checking account numbers for:
- Direct deposits
- Electronic checks
- Military allotments
- Wire transfers
Where to Find Your Routing & Checking Account Numbers
Your personal checks include both our routing number and your account number, as shown on the Grow check example below.
Don’t have a Grow check? No worries.
Visit any Grow store and ask for a Direct Deposit Form. It lists both your routing number and checking account number.
Making a Loan Payment
When it comes to making payments, we try to make it as painless as possible to pay your loan every month. We have several different ways to pay, including convenient online options.
Pay Online
You have two ways to pay online by transferring funds from another bank or credit union.
- Grow Online Banking (Preferred payment method for any loan)
This is the simplest way to pay your loan. You can make one-time payments or set up automatic recurring payments in Grow Online Banking. Once you log in, select “Transfer/Payments” from the menu. If you’re not enrolled in Grow Online Banking yet, you can set up your account in just a few minutes.
Log In
- Debit Card or ACH (Available for auto, personal loans and HELOCs)
Note: ACH and debit card payments are not available for credit cards or most mortgages, except HELOCs.
We accept ACH payments with no additional fees or Mastercard® and Visa® debit cards with a convenience fee of $4.95. To get started with an online ACH or debit card payment, select Pay Now below.
Pay Now
Pay by Mail
You can also pay any Grow loan by check through the mail. Please remember to include your account number and Grow loan number on the check. (For credit card payments, please do not write your 16-digit credit card number on the check, which can cause a delay in processing the payment.)
Address for auto, credit card, personal loan and HELOC payments:
Grow Financial Federal Credit Union
P.O. Box 75466
Chicago, IL 60675-5466Address for personal first or second mortgages and home equity payments:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733You Are About To Leave GrowFinancial.org
At certain places on this site, there are links to other websites. Grow Financial Federal Credit Union does not endorse, approve, represent, certify or control those external sites. The credit union does not guarantee the accuracy, completeness, efficacy, timeliness or accurate sequencing of the information contained on them. You will not be represented by Grow Financial Federal Credit Union if you enter into a transaction. Privacy and security policies may differ from those practiced by the credit union. Click CONTINUE if you wish to proceed.