Make the Switch

At USALLIANCE, we empower our members to live life fully. As a full-service, not-for-profit financial institution, we offer a full range of checking, savings, credit cards, and loan products as well as various online banking services. Our members have access to 6,000 branch facilities and 30,000 surcharge-free ATMs across the country, in addition to USALLIANCE’s mobile banking app that was recently recognized by Finovate as one of the best in the industry.

Become a member today and start experiencing how we can help you achieve your dreams and save you money!

Step 1

Open a MyLife Checking Account

Here's what you'll need

Valid Government Issued ID

Driver’s License
U.S. Passport
Military or State Issued ID

Tax ID Number

Social Security Number
Individual Tax Identification Number
(ITIN)

Basic Information

Personal Details
Employment Information

Step 2

Register for Digital Banking Banking

Get 24/7 account access through our online banking portal or mobile app

Digital Banking

Bank on the go with our mobile app

Learn More

Step 3

Set Up Direct Deposit

Get paid up to two days early¹ when you set up Direct Deposit through your MyLife Checking account.

Here's what you'll need

USALLIANCE Routing Number

221981063

Your MyLife Checking Account Number

Find your account number via Mobile or Online Banking, on your checks, or your monthly statement.

Prefer to contact Human Resources on your own?

¹Early Pay Direct Deposit is a benefit provided by USALLIANCE Financial and is not guaranteed; early deposit may be up to two days early of your actual payment settlement day but is contingent upon the receipt and successful processing of the deposit from your payor/employer. USALLIANCE Financial does not have control over when your funds are received from or sent by your payor/employer. For questions regarding your payment date, please speak with your payor/employer.

Step 4

Overdraft Options

An overdraft occurs if you do not have enough funds in your account to cover a transaction. Choose how you would like us to cover a potential overdraft transaction.

Overdraft Protection

We'll transfer funds from your designated alternate USALLIANCE account in the event that you overdraft.

Make temporary purchases
Protected for just a small fee

Download Opt-In Form

Overdraft Privilege

Be covered if you make a purchase that exceeds the funds in your account.

Applies to accounts in good standing
Coverage at the Credit Union's discretion

Download Opt-In Form

¹Please note that you can opt-out of Overdraft Privilege at any time. Should you no longer wish to take advantage of this service, simply call Member Services at 800.431.2754 during regular Call Center hours. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. In the event that the Credit Union elects to extend Overdraft Privilege, you will be required to bring the account to a positive balance within seventeen (17) calendar days. In order for the balance to be considered positive, it needs to be at $0.00 or above at the end of the calendar day. If you fail to do so, it will affect future Overdraft Privilege services and could result in account closure and/or collection proceedings. See the Truth in Savings Disclosure and Membership Agreement for more information on Overdraft Protection and Privilege.

Step 5

Order Checks

Your first order of checks is free.