Rest Confident, Your Money is Safe and Secure at Kirtland Credit Union, a message from our President & CEO. Learn More

Our NEW digital banking platform is now available. Click here to learn more.
All Kirtland CU branches and locations will be closed on Thursday, June 19 in observance of Juneteenth.

Fraud Alert: If you receive a call or text asking to verify a fraudulent transaction, do not respond, call unfamiliar numbers, or click suspicious links. Contact us directly using trusted methods.

Use caution if you receive a call, email, or text message that appears to be from Kirtland Credit Union. Don’t click on links or call phone numbers in unsolicited messages. Remember: We will NEVER ask for your online banking access codes, credentials or for you to transfer money.

If you may experience financial hardship related to the government shutdown, we’re here to help. Call 1.800.880.5328 or visit one of our branch locations for more information.

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ROUTING NUMBER: 307070050

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Your New Digital Banking Experience Starts Now!

Improving your online and mobile banking experience

1st Time Login
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Our Commitment to An Excellent Member Experience

We’re excited to introduce our upgraded digital banking solution, designed to make managing your money easier and more secure. With a simple, user-friendly interface, you’ll find it easier than ever to keep track of your finances.

How to: 1st Time Login

Pick Your Access

Click Here: New Online Banking Access Link

  1. Delete the old app
  2. Download the new Kirtland CU App
Click here - Google Play Store

Validate you have the most up-to-date app.

Click here for instructions to manually update an App on your Apple phone or tablet

Do you know your Username & Password?

YES

Great! Please follow the step by step instructions in the “Let’s Login!” section.

NO

Your username and password are required to login. Please see the instructions below for getting your username & password.

Recall your username or Reset password through the “Forgot your username or password” link.

We are here to help you.

Let's Login!

Now that you have selected your access and know your username and password, you are ready to log in for the first time.

  1. Enter your existing username
  2. Enter your existing password
  3. Click the Login button
  1. Read the screen
  2. Click the Get Started button
  1. Enter the verifying information
  2. Click the Continue button
  1. Select the preferred Delivery Method
    • This can include Voice, Text, and Email.
  2. Based on the selected Delivery Method, the phone number or email address in our banking system will be displayed.
    • Note: only the last few digits of the phone number or last few letters of the email address will display.
  3. Click the Next button.
  4. A new field will display to enter the Verification Code.
  5. Enter the code you received
  6. Click the Next button.
  1. Enter your new preferred password using the listed requirements.
    • The system will provide feedback for any missing requirements.
  2. Click the Next button.
  1. Read NEW Terms and Conditions
  2. Click the Accept and Continue button.
  3. Congratulations – you have successfully logged in.

Please explore the Frequently Asked Questions section below for details on What’s New, What’s Changed, and How To’s.

Watch the instructional video and follow along to login for the first time.

Troubleshooting

Joint User – Are you logging in for the First Time and getting an Error Message?

“We do not recognize your username/password”

Resolution:

Please register as a new user.

Click here to register

Need Help Logging In or Have Questions?

We’re here for you.

We want to give you the exact help you need. Many ways to connect live with a Kirtland CU Representative.

Please Note: Kirtland CU will NEVER ask for your password, full debit or credit card number, or your one-time passcode. If someone pretending to be a KCU employee asks for this information, this is fraud. Hang up and call us at 1-800-880-5328.

New User REgistration

A new user registration would be an account holder who does not use your current digital banking or recently opened a new account and has not registered.

Pick Your Access:

Click Here: New Online Banking Registration Link

  1. Download the Kirtland CU App – link to Google Play Store
  2. Install Kirtland CU Mobile App
Click here - Google Play Store
  1. Download the Kirtland CU App – link to Apple Store
  2. Install Kirtland CU Mobile App
Click here - Apple Store

Ready to Register?

Follow the screens to complete your registration

  1. Enter your personal information
  2. Click Next
  1. Select the preferred Delivery Method
    • This can include Voice, Text, and Email.
  2. Based on the selected Delivery Method, the phone number or email address in our banking system will be displayed.
    • Note: only the last few digits of the phone number or last few letters of the email address will display.
  3. Click the Next button.
  4. A new field will display to enter the Verification Code.
  5. Enter the code you received
  6. Click the Next button.
  1. Enter your preferred Username and Password using the listed requirements.
    • The system will provide feedback for any missing requirements.
  2. Click the Register button.
  1. Read Terms and Conditions
  2. Click the Accept and Continue button.
  3. Congratulations – you have successfully registered.

Please explore the Frequently Asked Questions section below for details on General Information, Account Access Information and How To’s.

Frequently Asked Questions

To view the information for each topic, please click on the topic’s button.

No. There are no changes to your account numbers or your personal information.

Yes. The upgrade features a new fresh and modern design with a personalized dashboard that will give you a more organized overview of your accounts. You will have a consistent experience whether you are using the mobile app or online banking.

Staying up to date on the latest browser and mobile OS releases ensures your member experience is as secure as possible.

  • Supported Browsers: Chrome, Firefox, Edge, Safari (two latest versions)
  • Supported Devices: Android newest 2 versions, Apple iOS newest 2 version
  • Device Operating Systems: Mac OS 11 or higher, Windows 10 v 22H2 or higher, Windows 11 or higher

If you’d like to change your password after your first login:

  1. Navigate to Profile
  2. Click “Security” to change your password
  3. Follow screen instructions

You can update your profile information, such as profile image, address, username and password in User Settings.

You can also view recent login activity within the Activity Log of User Settings.

Multi-factor authentication (MFA) is a security feature that requires more than one method of authentication to verify your identity.

You can update your verification code preferences (Email, SMS, and Voice Call) in the Contact Information area of User Settings.

You can also navigate to Security, then Authentication to set up two-factor authentication, push authentication, or Authenticator App to increase security strength.

You can update the address, email, and phone number you have on file by navigating to the Contact Information section of the User Settings.

You can edit your account details in the Accounts section by clicking on the Pencil next to ‘Dashboard’.

  • Drag and drop to adjust the order
  • Click the ‘eye’ icon to ‘hide’ that share
  • Drag and drop your widgets on your accounts page to organize them however you’d like!

Yes. You are still able to apply for loans, credit cards, shares, and certificates from within the upgraded digital banking platform.

Yes. You can navigate to Documents and Statements to view your statements as well as your tax documents.

No. Your past secure messages did not migrate and are not available after the upgrade.

You have a new feature to send and receive messages securely.

Yes. You will need to modify your Quicken settings to ensure your data connectivity works in the new system. We’ve prepared a guide to help, whether you use Direct Connect, Express Web Connect, or Web Connect in Quicken. Click the button below to get started.

Conversion Instructions for Quicken Users
  • Use online or mobile Bill Pay
  • Make person-to-person payments
  • Use account-to-account payments
  • Create savings goals
  • Enable card and account alerts

Great news – your account and card alerts are now in one location. If you used Account Alerts in the old system, they should have migrated to the new system without any interruptions.

These Alerts did NOT migrate – You will need to set these up again:

  • Notifications
  • Card Alerts and Controls (both debit and credit)

To set up your Notifications and Card Alerts, please view the instructional video.

The Money Managment tool was replaced as part of the digital upgrade. Your information did NOT migrate to the new tool.

For more information see the “What’s New” FAQ tab and “New Financial Wellness Tools”

The Goal Builder tool was replaced as part of the digital upgrade. Your information did NOT migrate to the new tool.

For more information see the “What’s New” FAQ tab and “New Financial Wellness Tools”

For better security, we’ve discontinued Text Banking. Please set up Account Alerts and use the mobile app for similar functionality.

Take note that all previously aggregated accounts (Money Management), savings goals (Goal Builder), and budgets did not migrate over from our old money management tool and will need to be re-added.

With Enhanced Financial Wellness built into your Digital Banking experience, you will have access to exciting new features designed to help you manage your financial health. Enhanced Financial Wellness includes:

Financial Health Checkup

You can conduct regular Financial Wellness Checkup to ensure your financial life is optimized for your needs. Financial Health Checkup will assess your spending, debt, credit score, planning ahead and savings to establish a score for your financial wellbeing. As you learn from the tips and suggestions offered and make decisions that improve your financial wellbeing your score is dynamically updated.

Spending Analysis

Your transactions will be automatically categorized using machine learning models to organize your spending accurately. You can refine your Spending Analysis by adjusting categories and editing transaction names. The resulting analysis is presented in a graphical format for easy viewing, and the application will provide trending analysis comparing the displayed time span with the previous period.

Spending Forecast

A machine learning model will automatically calculate your forecasted spending and income obligations dynamically, providing an ongoing projected balance so you know how much money you will have in the future. The application will deliver updates directly to your dashboard, enabling you to adjust your spending based on the money you will have available.

Account Aggregation

Account aggregation allows you to connect bank accounts at various financial institutions, enabling you to view all your accounts in a single consolidated dashboard. The transactions from these external accounts are then utilized in the financial health applications mentioned above, providing you with a complete financial picture.

Transaction Detail Enrichment

Your transactions will be enriched with better merchant identification, categorization, and improved, easy-to-read text. You will be able to edit these transactions by changing their names and categories.

Manage Your Preferences

You can always manage your Enhanced Financial Wellness in your Profile section.

We have made it easy for members to monitor and check their credit scores and reports! This free tool is now available
in Digital Banking.

SavvyMoney® is a comprehensive credit score program in our Digital Banking Solution that instantly provides you with free credit score analysis, your full credit report, monitoring, credit alerts, and personalized offers—all in one dashboard. This invaluable tool can start shaping your financial future to align with your goals. Not only can you access your most recent credit score and reports with no repercussions, but SavvyMoney® helps you understand each factor that influences your credit score and even offers the ability to easily dispute any errors you may come across on your credit report.

Learn More

You can now make loan payments with your debit card in digital banking. The standard $10 fee applies.

Credit card and mortgage payments cannot be paid via debit card. Please arrange payment through an alternative method.

Switching is much easier.

Transition from one account to another by hovering over your User Settings then selecting the other accounts you’re on. You do not have to log out and log back in.

Managing direct deposit information can be a complex task, especially when transitioning between banks or jobs. Use Direct Deposit Settings to easily manage or change your direct deposits.

You can now quickly and easily in the new digital platform add an additional savings share to your account in as little as three minutes!

Your Kirtland CU credit card payments submitted before 3 PM Mountain Time will post on the same day, helping reduce your balance so you can manage your money effectively.

Changing languages is only a few clicks away.

  1. Select your “User Settings”
  2. Click the Español button.  

The existing Bill Pay services migrated to the primary account holder only. The joint account holder has the option to set up their own separate Bill Pay services.

Great news – your account and card alerts are now in one location. If you used Account Alerts in the old system, they should have migrated to the new system without any interruptions.

To set up your Notifications and Card Alerts, please view the instructional video.

Managing your alerts is now all in one place. 

Please watch the instructional video for managing all your alerts and notifications.

Account Alerts did migrate during the upgrade and will continue to work post upgrade.

Please login and validate your account alerts.

Please view the instructional video in the “NEW – Centralized Alert Management” FAQ.

Notifications did NOT migrate during the upgrade. You need to set them up in the new centralize Alert Management.

Please view the instructional video in the “NEW – Centralized Alert Management” FAQ.

Credit and Debit Card alerts did NOT migrate during the upgrade. You need to set-up them up in the new centralize Alert Management.

Please view the instructional video in the “NEW – Centralized Alert Management” FAQ.

Scheduled bill pays were not impacted during the transition. 

All of your payees and payments have transitioned over with the upgrade. Since Bill Payment is important to our members, we ask that you log in and validate that everything transitioned correctly.

 

Yes. Bill Pay payees and payment history was transferred during the digital upgrade.

Yes. If you were enrolled in eBills, which provides an electronic copy of the statement that the payee provides monthly, your information migrated during the upgrade.

To see your Bill Pay payees, navigate to the ‘Pay My Bills’ tab in digital banking.

During the transition all payees will be displayed (including hidden payees).

All your payees and eBills are here for you. You can ‘star’ your payees and filter to see your favorites.

The existing Bill Pay services migrated to the primary account holder only. The joint account holder has the option to set up their own separate Bill Pay services.

If you had scheduled transfers that you set using the Transfers feature in online or mobile banking to happen from May 16th to May 19th, they did not process.

You need to login and manually make those payments. 

Yes. External transfers and external loan payments will continue to work on the new Digital Banking system.

Please log in after the upgrade to validate that all your external accounts and external loan payments have transferred as expected.

Your external accounts did migrate during the upgrade.

Please validate all accounts migrated after the upgrade as expected.

Your Member-to-Member (M2M) accounts did NOT migrate during the upgrade. 

You will need to re-establish the M2M connection. The process is different.

The setup process:

  1. The Recipient (member who will receive the money) creates a code
  2. The Recipient provides the code to the Sender (the member that will send the money)
  3. The Sender adds account using the code provided by the Recipient

 

Please watch the video for step-by-step instructions. on how to create the code and add an account.

Recipient: How to create a code

  1. Log into digital banking
  2. Click Make a Transfer
  3. Click Member to Member Accounts
  4. Click Create Code
  5. Select the account to receive the money
  6. Create your personalized M2M code (follow requirements provided)
    • A ‘valid code’ message will appear if the code meets requirements
  7. Click the Create Code button
  8. You can now share the code with the Sender

Sender: How to Add M2M Account

  1. Log into digital banking
  2. Click Make a Transfer
  3. Click Member to Member Accounts
  4. Click Add Account
  5. Enter the M2M code provided by the Recipient
  6. Create a Nickname for the account
  7. Click Add Account
  8. You are now ready to send money via M2M. You can see the account in the Make a Transfer drop-down

Your Person-to-Person (P2P) contacts did migrate during the upgrade.

Please validate all accounts migrated after the upgrade as expected.

No, your Credit Card Detail recurring payment did not migrate and needs to be set up again.

  1. Please log in to Digital Banking
  2. Select Make a Transfer from the menu bar
  3. Select New Transfer
    • Choose Add External Account
  4. Watch the video on “Account to Account Money Transfer“
  5. After you have added your external account, select it in the “From” drop-down menu.
  6. Choose Scheduled from the Send Transfer drop-down, then select when you want to make your recurring payments.
  7. Click the Review button. If everything looks correct, click Confirm.

If you had a payment scheduled using Credit Card Details (from the old system) between May 16th and May 19th for your credit card, it processed as expected.

If you had a “Make a Transfer” payment scheduled for your credit card between May 16th and May 19th, it did NOT process. Please login and manually make a payment.

Credit Card alerts did NOT migrate during the upgrade. You need to set them up in the new centralized Alert Management.

Please view the instructional video.

Navigate to your Credit Card and select “Card Services”. You have access to all your card management options, including temporarily turning your card on and off.

Navigate to your Card and Select “Card Services”.

Your Kirtland CU credit card payments submitted before 3 PM Mountain Time will post on the same day, helping reduce your balance so you can manage your money effectively.

Make a transfer and then select the account for making the payment.

To make a credit card payment with a debit card, please call: 1-800-880-5328.

There is a $10 fee to make a payment to credit card via debit card like a loan payment.

Each joint member will have the opportunity to register and have their own login credentials to view and manage the accounts they are joint on.

The primary account holder can give access using the “Manage Users” options

The existing Bill Pay services migrated to the primary account holder only. The joint account holder has the option to set up their own separate Bill Pay services.

Yes. Your external loan payment account information transferred over.

Please log in to validate that your accounts have transitioned, and everything is set up as you’d like.

If you had scheduled External Loan Payments that you set up in online or mobile banking to happen from May 16th to May 19th, they did NOT process.   

You need to login and manually make the payment(s). 

Your external loan payment accounts are now found under “Make a Transfer”.

You can now make loan payments with your debit card in digital banking. The standard $10 fee applies.

Credit card and mortgage payments cannot be paid via debit card. Please arrange payment through an alternative method.

The upgraded system is very secure. We employ:

  • Multi-factor authentication
  • End-to-end encryption
  • Secure device enrollment
  • Regular security updates
  • Real time fraud monitoring

Remember to:

  • Regularly update your app
  • Keep your login credentials confidential
  • Never share a username, password, or one-time passcode with anyone
  • Maintain up-to-date contact information

If you notice any suspicious activity, please call our Contact Center at 1-800-880-5328 immediately.

A unique one-time passcode is sent via text message, call, or email to the phone number or email we have on file for your account. This code is your key to accessing our new Digital Banking.

Never share this code with anyone.

To protect your account and personal information, it is vital that you do not share your one-time passcode with anyone.

Kirtland Credit Union will never contact you asking for your one-time passcode. If you receive such a request, it is a fraudulent attempt to gain access to your account. Hang up or don’t respond to the text and reach out to us directly.

Remember:

  • Do not share your one-time passcode with anyone.
  • Kirtland Credit Union will never ask for your one-time passcode.
  • Keep your phone number updated with us to ensure you receive your one-time passcode.

Upon your first log in, you will be required to validate your identity using text, call, or email.

You must receive a one-time passcode for your first log in.

After your first login, you can navigate to Security, and then Validation to see the additional options.

 

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Routing Number: 307070050

6440 Gibson Blvd. SE, Albuquerque, NM 87108

Copyright. Kirtland Federal Credit Union 2025. All rights reserved.

Federally insured by NCUA Equal Opportunity Lender

THIRD PARTY LINK DISCLOSURE: We may provide links to third party sites, independent from Kirtland Federal Credit Union. These links are provided only as a convenience. Kirtland Federal Credit Union does not manage the operation, content or any links contained inside of the website you are about to enter. The privacy and security policies of the site may differ from those of Kirtland Federal Credit Union.
Your New Digital Banking Experience Starts Now!

Improving your online banking and mobile experience.

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