Starting with a new financial institution can feel a lot like the first day at a new job—there’s a lot to learn. 就像任何新角色一样, 事情很快就会变得熟悉, and you’ll soon feel right at home here at Elements! We’re here to help you make that switch as comfortable as possible.

如果你是Elements的新成员, it’s important to have funds in your account(s) before you take advantage of our many perks and services. It’s also a good idea to have your personal finances all in one place. This will help you simplify bill payments and make it easier to manage your savings and checking accounts. Elements has created a guide to help you move your money with ease.

做出改变

1. Create a List of Your 直接存款 and Automatic Withdrawals/Payments 

Your list should include any recurring income, bill payments, or transfers from your former account. 这可能包括：

• 直接存款
• 政府福利
• 抵押贷款/租工具
• 信用卡
• Loans
• Retirement and Investments (incoming and outgoing)

需要帮助开始? Use our 新开户清单 帮助您切换您的帐户.

2. 是时候更新了! 

Once you’ve formed your lists of deposits and payments, it’s time to begin the transfer. Luckily, Elements has an online tool to make the process easier for you. 

Go to your online banking > Select the “Tools and Services” tab > 然后选择“直接存款开关”.”

(请注意，并不是所有的公司都可以找到, and you may have to enter yours manually to make the switches yourself.) 

• 从工作等直接存款开始, 政府福利, 社会保障, 孩子的抚养费, 和/或赡养费.
• 如果可能的话, 重新安排任何自动付款, 包括抵押贷款/租金, 公用事业公司, 信用卡, and loans.
• Switch any subscription accounts to your new accounts. Visit CardSwap in the “Tools and Services” menu of online banking to set up recurring payments.

3. 准备好转移你的资金

The process of moving your money is simple, and there are several options available. Before you move any funds, it’s important to check your old account for any pending transactions. Here are various ways you can transfer funds to your new Elements account:

在线/电子传输: Thankfully, the digital world has made it easier than ever to transfer money. All you need to do is set up a connection between your two accounts before you make a transfer.¹

If you’re already enrolled in Elements 利记, then the most seamless option is to log in there and select the option that allows you to make an external transfer. You’ll need your account number and routing number for the other institution.

If you’re not yet enrolled in Elements 利记, log in to your other bank’s website or mobile app and choose to make an external transfer. 启动转移, you’ll likely need to enter your 利记app官网 account and routing number to link your accounts. 为方便参考，我们的路线编号为： 274073834.

Once verified and confirmed, you can easily transfer money between the two accounts. (Double-check with your bank to see if they have daily transfer limits.²)

个人外部转移： 如果你喜欢面对面的交易, you can initiate a transfer of funds by sitting down with a representative at the other financial institution and giving them your Elements account and routing numbers. (Remember: It takes three to six business days for the funds to appear in your Elements account using this method.)

远程支票存款： For those who prefer a classic approach to payments, you can always write a check from your other account and make a remote deposit using the Elements mobile banking app. (Remember: The daily deposit limit is $15,000 using Remote Check Deposit.)

电汇: This may be your best option if you’re moving a large sum of money from another institution into Elements, especially if you are transferring money from an overseas or foreign account. The good news is a wire transfer can be completed in as little as a few hours, but it often includes a fee — anywhere from $5 to $25 or more. 了解更多关于电汇的信息.

CardSwap: This tool is worth repeating because it easily updates your payment information all in one place for recurring charges and purchases. 最棒的是? – it’s already built into Elements online banking and the mobile app. 了解更多关于CardSwap的信息.

共享分支 & ATMs: You can also deposit funds by bringing cash or checks to any of our branches or deposit-taking ATMs nationwide. You can find a convenient location near you by searching our website or using our mobile banking app to 找到最近的分行或自动取款机.

Many financial institutions still require you to visit a branch to close your accounts. 如果你是这样的话, the quickest option would be a wire transfer or an old-fashioned cashier’s check. Once you've successfully transferred all your funds over, you can close your old account and embark on your journey to financial success here at Elements. 

Have questions or need assistance with transferring money to Elements? 我们的信用合作社专家随时为您服务. Contact 利记app官网 for support of all your financial needs, including how to make the funds transfer process easy for you.

1) Nerdwallet

2) There are no restrictions on the amount you can transfer to Elements during your initial 30 days of membership. 30天后, 向Elements账户的转账限额为： $5,每笔交易000美元, $10,000 /天, and $50,000 /月. If you are transferring funds to another financial institution, 转账限额为： $1,每笔交易000美元/ 2美元,000 /天/ 10美元,000 /月. 

3) Forbes