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We take pride in our get-to-know-you service. But for those times you can’t visit, our digital banking is always there for you.

Access your account online or on our mobile app 24/7!


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Online Banking

  • Free, fast, secure service for members with a deposit account
  • Manage a number of banking tasks anytime, anywhere with internet access:
    • View accounts
    • Review histories
    • Make account-to-account transfers
    • Pay your bills
    • And much more!
  • Helps you manage your monthly spending and personal finances

Enroll Today!

Bill Pay

  • Make one-time or recurring payments with ease:
    • Schedule payments in advance
    • Set up payment reminders and notifications
  • Ensure payments are received on time
  • Have all payee information saved in one convenient place
  • Avoid paper clutter and long periods of check preparation
  • More secure than paper billing
  • Save money on postage, checks, and trips to a branch

See how you can simplify your life with OneClick.

  • Free, secure, time-saving service, available for members enrolled in online banking
  • Access a wide range of banking tasks anytime, even on the go:
    • View accounts
    • Review histories
    • Make account-to-account transfers
    • Pay your bills
    • View copies of cleared checks
    • And much more
  • Log in with your passcode or fingerprint with Touch ID
  • Available via any web-enabled phone or mobile device
  • Simply use your browser or download our convenient app for free
  • Save yourself time; fewer trips to a branch necessary
  • Highly secure service
    • Uses SSL (Secure Socket Layer) encryption to communicate securely through all mobile devices 

To Get Started

View our mobile app video for a quick tutorial.

Check out our Mobile Security Practices below to help keep your mobile device safe!

Keep Your Mobile Device Safe

The following best practices and tips are provided to help keep your personal information safe. Hackers, malicious users, and thieves typically target those who offer them an easy way to achieve their goals, rather than spend time working around obstacles. In addition, utilizing much of this advice could have additional benefits, such as saving battery power and automatically safeguarding and backing up key data. So, be safe, and adopt safe practices when using a mobile device!  

Don't Go Public

Avoid using unsecured, public Wi-Fi access to help prevent personal information from being stolen off your mobile devices and laptops. Always use a secure Wi-Fi network or mobile data source when performing mobile banking transactions, and remember to log out when you are finished.

Always switch off a wireless connection when it's not in use. Apart from helping you save on battery power, it ensures that malicious parties can't connect to a device without your knowledge. It's also worth taking a browse through a phone's network security settings, as it might be configured to automatically connect to a network when in range. Similarly, turn off Bluetooth when you are not using it, or set the status to 'hidden' until you want to share something. This will help make your mobile device less susceptible to cyberattacks, as well as help conserve battery life. 

Protect Your Device

Having a strong password is critical to protecting your mobile device and the information that is stored on it. Do not reveal your password to anyone or keep it stored on the device. When not in use, lock your mobile device. Ensure your password is unique by avoiding the use of dictionary words, pet names, and family members' names that may be easy to guess.  Include a variety of random characters, like symbols and numbers, to strengthen your password. Never use part of your social security number as your pass code, and assign different passwords to your accounts and devices. 

Keep Your Guard Up

Many phishing scams are disguised as retailer emails. Prevent falling victim to unsolicited or deceptive e-mail by avoiding using links within e-mail. Instead, copy and paste links into your browser to see they match the supposed retailer website. To be safe, never open suspicious e-mails on your mobile device; wait until you are at a desktop or laptop to test whether or not the links can be trusted. Mobile users should pay attention to any potential security warnings that may be displayed when viewing websites, particularly if accessing them through unknown wireless networks. 

Encrypted Sites

Exercise caution with respected applications, such as popular web browsers, as it's often far too easy to simply accept qualification messages that pop up when you're online. Agreeing to save user details and passwords when logging into websites for future access may be convenient, but makes it very easy for those accessing an unprotected phone to do the same; this is particularly important when it comes to online financial institutions and merchants, as these sites often have account details saved automatically under your username, which could make it easy for others to make unwanted purchases or transactions. Therefore, any requests for information that don't seem entirely legitimate and typical should be ignored. Web pages that involve entry of sensitive data such as a username, password, or account details should always use encryption. Encryption can be confirmed by the presence of "https://" at the start of a webpage URL or a visible padlock icon on the status bar of a browser. It's a good idea to get into the habit of looking for these when using any websites that have requested personal details.


While password locks were usually all you'd need to protect mobile phones a few years ago, these days you're effectively carrying around a miniature computer. It's considered a best practice to install mobile spyware applications, security software, or anti-virus software on your mobile device to provide a layer of protection against viruses, malware and fraudulent activity. To help ensure your banking activity is more secure, use a reliable source, such as the Apple App Store or Google Play, to download Zia Credit Union’s specific app. Finally, always maintain regular updates to browser apps and operating systems to keep their built-in security features current.