Access24 Internet Banking & Bill Payment - Access24 is the quick, easy and secure way to view and manage your CODE Accounts 24 hours a day, 7 days a week. With FREE Access24 Internet Banking you can:

  • Make accounts transfers, obtain balances, verify deposits and view
    cleared check images
  • Obtain Visa information and pay your Visa bill online with Cardview
  • Sign up for eStatements
  • Create your investment portfolio and track the performance of your favorite stocks
  • And so much more

Bill Payment takes the stress out of paying your bills and looking for stamps. Easily schedule payments, have your recurring bills paid automatically and conveniently view your past payment history.

Receive online Bill Pay FREE* when you have a CODE Checking Account plus the following services:

  • Visa Debit Card
  • Direct Deposit**
  • eStatements
  • or a Student Loan through CODE

*Free Bill Payment does not apply if member doesn't qualify for a Visa Debit Card. If use of the Visa Debit Card or Direct Deposit of net pay stops, or if the eStatement service is discontinued, CODE reserves the right to charge a $4.95 monthly Bill Payment fee. **Direct Deposit of your net pay.

Begin using Access24 today! Sign on using your CODE Account number and your PAT (Personal Audio Teller) PIN. If you don't have a PAT PIN, request one today.

Mobile Banking - Accessing your CODE accounts just became even more convenient.  It doesn't matter where you are, CODE keeps you connected.  Use Mobile Banking on your phone, your PDA or any mobile device that connects to the internet.  Best of all it is FREE*.

To learn more  CLICK HERE. Then click on " Learn More about Mobile Banking and How To Enroll ".

Ready to get started?  Click Here to Sign In or Sign In with the Microsoft tag below then follow the instructions

  1. Type in your member number
  2. Your initial password is the last 4 digits of your social security number
  3. Login - your first time logging in will require you to change your password
  4. You must read and agree to the terms to continue
  5. Sign out and  click here to continue
  6. Sign in with your member number and new password you just created
  7. Read and click continue
  8. Set up identification questions and click continue
  9. Once you have set up your questions  Click Here ( ) on your mobile device to access Mobile Banking. Use your member number and new password you set up previously.

Mobile Banking is safe and secure with multiple levels of protection.  Mobile Banking employs industry leading security features to ensure that all of your transactions are conducted with the highest possible privacy and protection. All data is encrypted using 128-bit encryption, the strongest form available, and transferred via the Secure Sockets Layer (SSL) protocol between you and your Credit Union.

*You will be charged access rates depending on your carrier.  Check with your service provider for details on specific fees and charges.

eStatements - Get quicker access to your account information, greater control and convenience, improved security due to reduced opportunities for mail fraud and fewer paper records to it's FREE!

To enroll, log on to Access24 , and click on the eStatement icon. Once enrolled, you will be notified by e-mail when your statement is ready. Just click on the link in the e-mail that takes you to our homepage, log on to Access24, and click on  the eStatement icon then you can view, save and print your statement.It's that easy!

ATM Card - Get fast, easy access to your CODE accounts with a CODE ATM card and never wait in line again to get cash. Use your card for transactions 24/7 at any of the thousands of STAR® and Plus® ATMs conveniently located where you live, work or shop. CODE is part of the Alliance One surcharge-free network of ATMs, just look for the blue and white Alliance One logo. Visit CODE's No Surcharge, drive-up ATM at 355 W. Monument Ave., Dayton.

Visa Debit Card - The Card That Works Like a Check! Purchases or services will automatically be deducted from your CODE Checking Account when you use your card everywhere Visa® Debit Cards are accepted. Just present your card, sign the receipt, and be on your way. No more hassles with check approvals, carrying a checkbook or having extra cash. It's your ATM Card too!

PAT (Personal Audio Teller) - PAT, CODE's Personal Audio Teller, is the easy and confidential way to be in touch with your CODE accounts 24/7. When you call PAT, you are connected with CODE's computer system that provides you with up-to-the-minute account information. Call PAT to:

  • Get account balances
  • Verify deposits and checks cleared
  • Transfer funds among your accounts
  • And more!

With PAT's local number (222-4PAT) or toll free number (800-564-5227) you can call from anywhere - work, home or even when you're out of town. If you do not already have a PAT access number, request one today.

Direct Deposit / Payroll Deduction - Enjoy the convenience, security and time saved with Direct Deposit and Payroll Deduction. Have funds automatically distributed, as you specify, to any number of CODE accounts such as savings, checking, loans, club accounts, etc. Access funds with your CODE ATM, Visa Debit Card or by writing a check. Verify deposit amounts with Access24 Internet Banking or by calling PAT. Plus, it's the easiest way to make your loan payments. Direct Deposit can be set up for retirement and government checks or payments from employers or agencies who offer the service. Payroll Deduction is available to members who work for one of CODE's select employers who offer the service. With payroll deduction you can have either a specific amount of your check or your net pay deposited into your CODE account automatically by payday.

Shared Branching - As a CODE member, you have access to over 2,400 branches nationwide.  You can do your financial transactions at participating credit unions at no cost.* You can:

  • Make deposits or withdrawals
  • Cash checks
  • Make balance inquiries
  • Make loan payments and get advances
  • And get travelers cheques**

You will not be able to open an account, apply for a loan or change payroll deductions. All you need is your CODE account number and photo ID. Shared Branching is available locally at the Credit Unions listed below.

Wright-Patt Credit Union:
Cross Pointe Center, 101 E. Alex Bell Rd., Centerville M-F 9-6, Sat 9-1
Waynetown Plaza, 7635 Old Troy Pk, Huber Heights M-F 9-6, Sat 9-1
Kettering Towne Center, 2070 E. Dorothy Ln, Kettering M-F 9-7, Sat 9-1
3530 Siebenthaler, near Northwest Plaza, Dayton M-F 9-6, Sat 9-1
Twin Towers Food Mart, 504 Xenia Ave, Dayton M-F 9-5, Sat 9-1
Five Points, 130 E. Dayton-Yellow Springs Rd., Fairborn M-F 9-6, Sat 9-1
Gantt Center, 2465 Executive Park Blvd., Fairborn M-F 9-6, Sat 9-1
88 S. Progress Rd., Xenia M-F 9-6, Sat 9-1
Troy Plaza, 769 W. Market St., Troy M-F 9-6, Sat 9-1
Hoke Plaza, 7704 Hoke Rd., Clayton M-F 9-6, Sat 9-1
River Valley Credit Union
2094 S. Alex Rd., Dayton M-Th 9-5, F 9-6, Sat 9-12
25 W. Central Ave., Springboro

M-Th 9-5, F 9-6, Sat 9-12

815 Elliott Dr., Middletown M-Th 9-5, F 9-6, Sat 9-12

Day Air Credit Union:

3501 Wilmington Pike, Kettering M-F 10-6, Sat 9-1
International Harvester Employee Credit Union
5000 Urbana Rd, Springfield M-F 9-5
145 W. High Street, Springfield M-F 9-5

For additional locations log-on to .

*Local branch fees may apply to certain services.

**Some restrictions may apply.

ATM Locations - CODE's drive-up ATM is located at 355 W. Monument Ave., Dayton. CODE is part of the Alliance One surcharge-free network of ATMs, just look for the blue and white Alliance One logo.

As of November 1, 2009, Key Bank will no longer provide access to their ATMs free of charge.  If you use your CODE ATM card at any Key Bank starting in November you will be charged a service fee by Key Bank.  If you have any questions or need help locating an ATM please call CODE at                    937-222-8971.

You may also use your ATM card at any Dayton area Shell Gas Station or Marion's Pizza surcharge-free.

Marion's Piazza 404 W. National Rd. Englewood
Marion's Piazza 8994 Kingsridge Dr. Dayton
Marion's Piazza 50 E. Stroop Rd. Dayton
Marion's Piazza 711 Shroyer Rd. Dayton
Marion's Piazza 241 N. Main St. Dayton
Marion's Piazza 3443 N. Dixie Dr. Dayton
Marion's Piazza 1320 N. Fairfield Rd. Beavercreek
Wilmington Shell 241 N. Main St. Bellbrook
Bellbrook Shell 4461 St. Rt. 725 Bellbrook
Sidney Shell 1536 W. Michigan Ave. Sidney
Troy Shell 1719 W. Main St. Troy
Xenia #2 Shell 1951 Bellbrook Ave. Xenia
Rt. 725/741 Shell 7799 Springboro Pk Dayton
Vandalia Rt. 40 Shell 584 W. National Rd. Vandalia
Smithville Shell 1415 Smithville Rd. Dayton
Colonial Shell 1360 Miamisburg-Centerville Rd. Centerville
Tipp City Shell 1015 W. Main St. Tipp City
Vandalia Shell 22 Ranchview Dr. Vandalia
Huber Heights Shell 7789 Brandt Pike Huber Heights
Piqua Shell 600 South St. Piqua
Springboro Shell 610 W. Central Ave. Springboro
Miamisburg Shell 1160 E. Central Ave. Springboro
Salem Shell                 5201 Salem Ave.                          Dayton            
Rt. 68 Wilmington Shell 5737 US Rt. 68 Wilmington
Troy #2 Shell 1298 South Dorset Troy
Stanley Ave. Shell 1951 Stanley Ave. Dayton
Needmore Shell 2450 Needmore Rd. Dayton
Jeffersonville Shell 12320 US 35 Northwest Jeffersonville
Centerville Shell 899 S. Main St. Centerville