The Next Evolution of AAA Banking: What's Coming & What to Expect

This article has been updated to reflect our standard operating procedures and established policies following the merger of Auto Club Trust, FSB into Grasshopper Bank, N.A. See revision history for more details.

As part of the integration of Auto Club Trust, FSB into Grasshopper Bank, N.A., the AAA Banking platform has been upgraded to deliver a more secure, convenient, and innovative digital banking experience. All deposit accounts originally opened through Auto Club Trust have been converted to equivalent Triple Advantage products, featuring improved technology, reduced fees, and enhanced features. Below you will find the answers to frequently asked questions regarding your upgraded accounts, our standard operating procedures, and how to access our digital tools.

General

What's happening to my AAA Banking account?
Your account was successfully migrated to our upgraded digital banking platform. All personal checking, savings, or CD products have been converted to their equivalent Triple Advantage products with enhanced functionality and no changes to your existing CD rates or terms.

What will happen to my account number?
Account number(s) remain unchanged.

Is the routing number changing?

Not necessarily. Transactions using the legacy routing number will continue to be supported. However, if you open a new deposit account or obtain a new loan, you will be assigned an updated routing number, which you can easily find inside online banking.

Are there changes to the account fees?
Yes, we have eliminated and reduced a variety of fees and service charges to make banking more affordable. For the most up-to-date fee schedules, you can access them anytime on the legal page of our website here.

How can I update my account information?

To update your account information, you can login to online banking and navigate to your Profile/Settings or contact Customer Service. For your security, we highly recommend sending your request as a secure message through online banking. This is the safest and fastest way to ensure your information is updated accurately.

Where can I find more information about online banking?

All of our online and mobile banking user guides, including features, FAQs and important information on getting started, are located in our Help Center.

What should I do if I notice discrepancies in my account?

If you notice any discrepancies in your account, please contact Customer Service at your earliest convenience, and we will assist you in resolving any issues. 

Deposit Accounts

Are there any changes to my personal checking, savings, or CD?

All personal checking, savings or CD products have been successfully converted to an equivalent Triple Advantage product, with improved technology, reduced fees, enhanced features, and no changes to CD rates or terms. 

Are there any changes to my IRA Savings or IRA CD?

All Individual Retirement Accounts (IRAs) have been successfully transferred over to the new digital banking platform without any changes to rates or terms.

How does this change impact my direct deposit?
Since there is no changes to your account number(s), and the current routing number will continue to be supported, direct deposits will process without interruption.

Can I still use my personal checks?
Since there is no change to your account number(s), and the current routing number will continue to be supported, you may continue using any remaining checks that you have. However, when it’s time to reorder checks, they will be issued with a new routing number. If you have any questions or concerns when it’s time to reorder, please contact Customer Service and we’ll guide you through the process.

Can I still use my debit card?

All debit cards issued by Auto Club Trust, FSB were deactivated on Friday, September 19, 2025. If you had an active debit card on file, a new AAA Banking Visa® rewards debit card was reissued and sent via U.S. Mail to your mailing address. If you never received it or simply need to re-order a debit card, please contact Customer Service at your earliest convenience. 

Can I still use my ATM card?

No, ATM-only cards were discontinued as part of this upgrade and were deactivated on Friday, September 19, 2025. To continue accessing your funds, you can enroll in online banking and easily initiate transfers from one account to another. If you’d like alternative solutions, our Customer Service team is happy to help you find the best option for your needs.

Is ATM access changing, and can I still make cash deposits?

As a part of this upgrade, Allpoint is no longer be part of our fee-free ATM network. However, we’ve partnered with MoneyPass® and SUM® ATMs to give you convenient access to fee-free cash withdrawals nationwide. Plus, you can now deposit cash at participating MoneyPass ATMs. To find a deposit-enabled ATM near you and detailed instructions, please review our ATM Cash Deposits guide.

How will I receive my deposit statements and notices?
All customers were opted in to paper statements by default. If opted into paper statements, all statements and notices will be mailed to the address on file. You may change your preferences and enroll in eStatements anytime through online banking or by contacting Customer Service. 

Can I still mail in a deposit?

At AAA Banking, we offer mobile check deposit within our mobile banking app. To ensure the most efficient processing, mobile check deposit should always be your first choice, but we also will accept endorsed checks by mail. If you prefer to mail your check deposits, please send them to our designated P.O. boxes for manual processing. For a current list of our mailing addresses for payments and correspondence, click here.

Auto Loans

Are there any changes to the terms of my loan?

No, your auto loan account number(s), Annual Percentage Rate (APR), finance charges, and total loan cost remain unchanged. 

Will I need to setup auto pay?

No, any existing auto pay arrangements were automatically transferred to the new system and continue without interruption.

Can I still make loan payments online?

Yes, however, you must use our new digital banking platform to make, schedule or manage your loan payments after you complete user enrollment. You may also use another bank’s bill pay system or mail in a check. 

Where should I mail a loan payment?

At AAA Banking, we make it easy to make loan payments online, but we can also accept loan payments by mail. If you prefer to mail your auto loan payments, please send them to our designated P.O. boxes for manual processing. For a current list of our mailing addresses for payments and correspondence, click here.

Online Banking

Do I need to enroll in online banking?
Yes, all customers are required complete user enrollment for the new digital banking platform. You are also required to set up two-factor authentication. To begin enrollment, click here. For step-by-step instructions, refer to our new user enrollment guide here.

Will I have to create new login credentials?

Upon logging in, you’ll be prompted to create a new password that meets our enhanced security standards, but your username will remain the same. You will not be required to create a new one.

What if I forget my login credentials? 

If you forget your username or password, you can request your username or reset your password at anytime by navigating to the login screen and selecting the appropriate 'Forgot Username' and/or password reset link.

Is there a new mobile app?
Yes, we retired the Bank on ACT mobile app on Friday, September 19, 2025. Once you've completed user enrollment for the new digital banking platform, you will be able to access your accounts through our new Triple Advantage Banking app. To get a head start, you can download the Triple Advantage Banking app by searching "AAA Banking" in the Apple App Store or Google Play store or click here. For more informaton on how to find and download the app, click here. 

What will happen to my linked accounts and bill payees?
All linked external accounts and bill payees were automatically transferred to the new system. However, it is a good idea to enroll in the new digital banking platform and review your linked accounts and bill payees to confirm they transferred correctly and make any adjustments as needed.

Will there be any impact on my scheduled transfers?

Scheduled transfers were automatically transferred over to the new digital banking platform and continue to process without interruption in addition to any linked accounts and bill payees.

Can I still use Quickbooks, Quicken and Mint?

Yes, however, you will be required to deactivate and reactivate your online banking connection to ensure that you get your accounts set up with the new digital banking platform. Keep in mind, your transaction history may no longer be available.

What should I do if I have issues enrolling or logging into my account after the upgrade?
If you experience any issues enrolling or logging in, don’t worry! We're here to ensure you can access your account smoothly and securely. For help with user enrollment, logging in, or troubleshooting any issues, contact Customer Service. 

Support

If you have any questions, concerns or would like to speak with someone about your account, our team is here to help. You can reach us Monday-Friday 9am-9pm ET by dialing 855.999.2265 or emailing support@acg.grasshopper.bank. For your convenience, we also offer support via secure message or chat.

Revision History

Note: The information provided in this article apply only to customers who opened an account with Auto Club Trust, FSB prior to April 1, 2025. If you opened an account on or after this date, your account was established directly with Grasshopper Bank, N.A., and different terms and onboarding information may apply.
 

AAA Banking services are offered by Grasshopper Bank, N.A.