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Manage Your Hard-Earned Money Anytime, Anywhere

Have easy access to your Impact Credit Union accounts when you sign up for Online and Mobile Banking. Impact provides free, secure digital services to manage your money anytime, anywhere. Across any device, achieving financial flexibility and freedom is easier with Impact Credit Union Digital Services.

Bill Pay

With Impact’s Online and Mobile Bill Pay, you can safely and securely send a payment to almost any place you would normally pay by check. Just set up your payees and schedule one-time or recurring payments.
Set up one-time or recurring payments
Link your billing accounts to access your statements and payment information
Receive alerts and payment reminders

Features & Benefits

  • Set up one-time or recurring payments
  • Link your billing accounts to access your statements and payment information
  • Receive alerts and payment reminders
  • View payment history
  • See a monthly overview of all the bills paid and scheduled to be paid


To get started with Online and Mobile Bill Pay you must first be a registered Online or Mobile Banking user and have an Impact Credit Union checking account. Once you are signed into Home Banking or Mobile Banking simply click on the “Bill Pay” button to get started.
Bill Pay User Guide

Credit Score

Impact is making it easier than ever for you to monitor your credit within Online and Mobile Banking! We offer a way to manage your credit at no additional cost to you. This educational tool provides you with an idea of where your credit stands, and offers helpful tips and tools to make sound financial decisions regarding your credit.

Current VantageScore 3.0 credit score
Credit monitoring
Simulate your score

Features & Benefits

  • Refresh your credit score daily to keep tabs on your progress
  • View all aspects of your credit report including open accounts and balances
  • Enable credit monitoring notifications to receive alerts about changes to your score
  • Use the "What if?" calculator to determine how certain decisions will impact your score
  • Receive helpful tips and personalized offers
  • Gain access to great resources regarding credit score and financial health
  • Set goals to increase your score

Frequently Asked Questions

Q: Is there a fee?
A: No. Any Impact member can enroll and use this service for no additional cost.

Q: How often is my credit score updated?
A: After enrolling, your credit score will update every 7 days, however you can manually refresh inside the app daily as you wish.

Q: Could using this feature lower my credit score?
A: No. The credit information you see is obtained using a soft inquiry from the credit bureau and will not affect your score. The types of hard inquiries that affect your score are obtained when applying for a loan.

Q: Could this credit score differ from that if I were to apply for a loan?
A: Yes. The score you will see inside this app is your VantageScore 3.0 score, a risk model developed collaboratively by the three major credit bureaus: Transunion, Experian, and Equifax. This model scores your credit based on consumer measures. When you apply for a loan, we obtain your FICO 08 credit score from Transunion, which is designed specifically for making lending decisions. These two models are similar, but will usually differ in some respect since the score is not calculated in the same way.

Q: How secure is my data?
A: SavvyMoney uses strong, highly rated security measures to keep your data safe. Their privacy policy can be found here.

Q: What if I find a mistake on my credit report?
A: Simply click "Dispute" inside the app to begin a dispute with the credit bureau.

See SavvyMoney's article on their website for answers to more questions.

The services are provided by SavvyMoney, Inc. and do not represent any agreement by Impact Credit Union to provide any product, service, or other benefit to the member. Information provided by SavvyMoney, Inc. is for educational purposes only and does not represent accounting, tax, legal, real-estate, mortgage, and financial planning or investment advice by Impact Credit Union. The credit report card and score is not used for determining loan rates or loan approval purposes; loan rates and approvals are based on information provided separately to Impact Credit Union when a member applies for a loan. The credit score found in the credit report used by Impact Credit Union may be different than the credit score provided within SavvyMoney.


Receive your statements electronically with Impact’s FREE eStatement service! Enjoy the convenience of quickly accessing your statements online.
Easily access your statement
 Receive email notification when statement is ready
 Access to 18 months of statement history

Card Management

With card management through Online and Mobile Banking, you are able to manage your Debit or Credit Card 24/7!
Block or unblock your debit card
Create custom alerts
Access credit card online portal

Temporarily block your debit card if you misplace it to prevent unauthorized use. Access eZCard within Online and Mobile banking to easily view and manage your active Impact credit cards. Card Management offers a variety of features to help you make life a little easier, including the ability to:

  • Block or unblock your debit card
  • Create custom credit card and debit card alerts
  • Check your credit card balance
  • View credit card transactions
  • Access your credit card statements
  • Pay your credit card bill
  • Dispute credit card transactions
  • eZCard Access


Mobile Deposit

With our mobile banking app, you can deposit a check from anywhere. Use your mobile device to snap a picture of the check, and we’ll do the rest!
Deposit checks from anywhere
Simple, user-friendly interface
Receive notifications on the status of your deposits

Other Services

Online & Mobile Banking make managing your finances easier than ever.
View account transactions, balances and history
Transfer funds within accounts
Make loan, credit card and mortgage payments
  • View account transactions, balances and history
  • Transfer funds within accounts
  • Make loan, credit card and mortgage payments
  • View cleared checks
  • Create custom alerts
  • Open additional accounts
  • Add a joint owner to your accounts
  • Apply for a loan
  • Locate the nearest branch, ATM or Shared Branching location
  • Send a secured message to an Impact representative
  • Change your address, phone number or email address
  • Much more!
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