IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT AT ADVANCIAL

To help the United States Government fight terrorism and money laundering, federal law requires us to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, a street address, date of birth and an identification number, such as a passport numberSocial Security number, that Federal law requires us to obtain. We may also ask to see your driver's license or other unexpired documents that will allow us to identify you. We appreciate your cooperation.

Getting Started

Already started? Continue a saved application.

We're glad you've decided to join Advancial! The membership application takes a few minutes to complete and then our team will reach out to finish the process.

Advancial membership requires a membership savings with a $5 initial deposit.

Not a U.S. citizen? Download the Membership Application.








Teen and youth memberships are also available for minors with a parent or guardian joint owner on the account.

What you'll need for your application:

  • Social Security Number
  • Unexpired government-issued photo ID (e.g. driver's license, passport)
  • Physical U.S. Address Information
  • A credit or debit card for the initial deposit into your new account

What you'll need for your application:

  • Passport (unexpired)
  • Government issued photo ID (unexpired), such as a driver’s license or a Visa
  • Employment verification letter
  • Physical U.S. Address
  • A credit or debit card for the initial deposit into your new account



Biometric Identifier Privacy Notice and Consent.



This application is open to U.S. citizens only. By clicking "Start My Application," you confirm that you are a U.S. citizen and consent to the storage and processing of your information for application updates and relevant product communications. We take your privacy seriously and use your data only for these purposes. Misrepresentation of citizenship may result in disqualification of your application.

Identification

Account Selection

Savings & Checking

A savings account is required to establish and maintain an Advancial membership. You can also choose to apply for a checking account for convenient everyday transactions. Once you're a member, you'll also have access to accounts like savings certificates, money market, IRAs, loans and credit cards.

NOTE: Your initial opening deposit(s) for both Savings and Checking accounts cannot exceed $5,000 combined.


Checking Account Services

The following services are available with your checking account. You must request or enroll to utilize the services.

Debit Card


*Note: Debit Card selection for a Joint Account Owner is found in the Joint Account Owner Information section.

Overdraft Protection Options

Advancial offers two overdraft protection options: Overdraft Transfers and Check Clear® Courtesy Overdraft Privilege ("Check Clear"). These services can help you avoid overdrafts. If you choose to enroll your Checking Account in both Overdraft Transfers and Check Clear Courtesy Overdraft Privilege, we will attempt to cover the transaction by Overdraft Transfers method before using Check Clear.

Overdraft Transfers

Overdraft Transfers uses funds from a designated account, such as your Savings Account, in order to cover your overdrafts. We do not charge an Overdraft Transfer fee. NOTE: Federal regulations limit the number of certain types of withdrawals and transfers from savings accounts to six per month.


Check Clear® Courtesy Overdraft Privilege

Check Clear is a discretionary service that may cover overdrafts up to the Account's courtesy overdraft limit. The types of transactions covered by Check Clear depend on the coverage level selected. A $10 fee applies for each covered transaction, up to a daily maximum. Your Account must be brought to a positive balance within 45 days. Check Clear services may be revoked if your Account remains negative for more than 30 days. You must be 18 years of age to enroll in this service. This service is not available on Dinero Checking.

By checking a box below to enroll and opt in to Standard Check Clear or Extended Check Clear, you acknowledge reading and understanding the "What You Need to Know About Overdrafts and Overdraft Fees" disclosure. You can revoke your consent at any time by notifying us.

Primary Account Owner Information




This address must be a U.S. residence.


Photo ID


Additional Government ID
Please verify the spelling and accuracy of the information above before proceeding.

Mailing Address - Optional

Joint Account Owner Identification

Joint Account Owner Information

Verbal Account Password/Passphrase

Enter a verbal password/passphrase for your Account. Your Account cannot be established without one. You will be asked to provide this password/passphrase when making inquiries on your Account by telephone.

NOTE: Maximum 20 characters; use only letters; do not use numerals, special characters or spaces.

Account Funding

Advancial accepts all major debit and credit cards to fund your new account(s). Your credit card provider may process the transaction as a cash advance and may charge a fee. Please refer to your provider's credit card agreement for more information.

Amount
Savings Account Opening Deposit
Checking Account Opening Deposit
TOTAL AMOUNT TO BE CHARGED TO CARD:
(cannot exceed $5,000.00)
Primary Account Owner Info Joint Account Owner Info

Certification as to Taxpayer Identification Number and Backup Withholding

If you are not a U.S. citizen or are unsure of your taxable status, we recommend consulting a qualified professional before completing this section.

By signing below and under penalties of perjury, you certify that (1) the number shown on this form is your correct taxpayer identification number (or you are waiting for a number to be issued to you), and (2) you are not subject to backup withholding because (a) you are exempt from backup withholding, or (b) you have not been notified by the Internal Revenue Service (IRS) that you are subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified you that you are no longer subject to backup withholding, (3) you are a U.S. citizen or other U.S. person (including a U.S. resident alien), and (4) the Foreign Account Tax Compliance Act (FATCA) code entered on this form (if any) indicating that you are exempt from FATCA reporting is correct.

Certification Instructions: Check the first box below if you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest and dividends on your tax return. Check the second box below and complete IRS Form W-8BEN if you are not a U.S. citizen or other U.S. person (including a nonresident alien). Item 4 above does not apply.

DO NOT CHECK UNLESS APPLICABLE. These selections do not apply to most persons. If you have questions, please contact us.

Primary Account Owner Terms

Primary Applicant

Joint Applicant