Arkansas Federal Credit Union Personal Guide to Online Banking

Personal

A Quick & Easy Guide to ONLINE BANKING

Federally insured by NCUA

Published by Murphy & Company, Inc. 13610 Barrett Office Dr. St. Louis, MO 63021 www.mcompany.com

© 2009-2015 Murphy & Company, Inc. Microsoft, Microsoft Money, Windows and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken is a registered trademark of Intuit, Inc. Macintosh is a registered trademark of Apple Computer, Inc. Adobe Reader are registered trademarks of Adobe Systems Incorporated in the United States and/or other countries. © 2012 Portions of this guide are written by Q2 eBanking. Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author/ publisher, nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.

II

Welcome

We work hard to provide our members with the financial tools they need to achieve the goals in life that matter. One of those important tools is Online Banking. Our Online Banking is designed for ease of use. Whether you access it from your desktop, tablet or smart phone, it looks and functions the same across all devices. It is full of powerful features that make it easy to keep track of your finances. We invite you to take a moment to learn more about the anytime, anywhere convenience of Online Banking with Arkansas Federal Credit Union.

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Table of Contents

General Information Security.................................................................................................4 Logging In...........................................................................................8 Home.....................................................................................................9 Home Account Details...............................................................................10 Messages Messages...........................................................................................11 Transactions Funds Transfer..................................................................................12 Member to Member Transfer......................................................13 Link External Account...................................................................14 Activity Center.................................................................................16 Statements........................................................................................17 Pay Bills or People Overview............................................................................................19 Navigation.........................................................................................20 Create a Payee..................................................................................21 Schedule Payments........................................................................22 Recurring Payments.......................................................................23 Edit or Cancel Payments...............................................................24 Rush Delivery....................................................................................25 Categories..........................................................................................26 View Bill History...............................................................................27 Mobile Deposit Enrollment.........................................................28 Deposit Check Mobile Deposits..............................................................................29 Account Preferences......................................................................30 Settings Security Preferences......................................................................31 Alerts...................................................................................................32 Security Alerts..................................................................................33 Text Enrollment...............................................................................34 Manage Contact Info.....................................................................35 Themes...............................................................................................37

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Services Stop Check Payment......................................................................38 Order Checks....................................................................................39 Reorder Checks................................................................................41 eNotices..............................................................................................42 Financial Manager..........................................................................43 Add Account.....................................................................................44 Apply for a Loan..............................................................................45 Debit Alerts.......................................................................................46 CU Rewards.......................................................................................47 Locations Branches and ATMs........................................................................48

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General Information

Security

By following our tips, Online Banking at AFCU can be a safe and efficient method for handling your banking needs. For additional security tips, visit afcu.org.

User Identification and Password Security starts at your computer. Never share your User Name or password with anyone. Make sure your password is hard to guess by combining random numbers and letters instead of using your birth date, pet’s name or other personally identifiable choices. Secure Sockets Layer Encryption We use Secure Sockets Layer (SSL) encryption, a trusted method of securing internet transactions. This technology scrambles data as it travels between your computer and AFCU, making it difficult for anyone to access your account information. Secure Access Code You need a Secure Access Code to access your accounts when you log into Online Banking with AFCU for the first time or the first time from any new device. This code is delivered to you via email, phone call, or SMS text message. You can opt to have your device registered so that you do not have to complete the Secure Access Code process the next time that you access AFCU’s Online Banking from that same device. If you delete the security certificate or “cookie” that recognizes your device as previously registered, you will need to be required to get a Secure Access Code. Should I register my device? If this device is a “private” device where you have exclusive access, you may want to register your device to have it recognized for future logins to save time. We do not recommend registering a public device where other people could have access to the same computer, for example, at a public library. Online Banking Safety Tips: > Ensure your web browser, operating system, anti-virus software, and other applications are current and support 128-bit encryption. > Memorize your passwords and change them regularly. > Exit your AFCU Online Banking session when finished. > Do not leave your computer unattended when logged in to Online Banking. > Do not use public computers or unsecured WiFi when accessing. > If you receive an error when logged in to your account, report the error to us at 800-456-3000.

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General Information

Security

AFCU will never send unsolicited emails asking you to provide, update, or verify personal or confidential information via return email. If you receive an email inquiry allegedly from AFCU, please report the incident to a us at at 800-456-3000 as quickly as possible. To mitigate the risk of online fraud and identity theft, your first and best protection is awareness. Phishing Phishing is an online scam tactic that is used to lure users into unknowingly providing personal data, such as credit card information or User Names and passwords. Using realistic-looking emails and websites, this tactic attempts to gain the trust of unsuspecting targets and convince them that vital information is being requested by a vendor they may already have a relationship with, such as their financial institution. Identity Theft It is important that you are aware of the dangers of identity theft. Identity theft can occur when criminals find a way to steal your personal or other identifying information and assume the use of that data to access your personal accounts, open new accounts, apply for credit, purchase merchandise, and commit other crimes using your identity. Logging Off As a secure practice, you should log off your Online Banking session with AFCU before you close out of online banking, or anytime you walk away from your computer. For additional security, AFCU will log you out automatically due to inactivity or when your AFCU session reaches the maximum time limit. Fraud Prevention Tips: > Do not open email attachments or click on a link from unsolicited sources. > Avoid completing email forms or messages that ask for personal or financial information. > Do not trust an email asking you to use a link for verification of login or account details. > Monitor your account transactions for unauthorized use. > Shred old financial information, invoices, charge receipts, checks, unwanted pre-approved credit offers, and expired charge cards before disposing of them. > Contact the sender by phone if you are suspicious of an email attachment.

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General Information

New Registration

1. Type afcu.org into the address bar on your browser. Go to the Online Banking Login box on the Home Page and click New User Registration . 2. Select the appropriate account type, Personal or Business. 3. This opens the Online Banking Enrollment screen. Enter all the required information. It will be verified by comparing this information to the current contact information on file. When finished, click Continue . 4. A new browser window will open congratulating you for having successfully enrolled in Online Banking. Make note of your User Name you will need it to login to online banking in the future. Click Continue to be directed to a page where you will select the delivery method for your Secure Access Code. This page will display the contact information we have on file for you. Select either the phone, text message, or email option that will enable AFCU to reach you immediately with your one-time Secure Access Code. If the contact information we have on file is inaccurate or out-of-date, you cannot proceed further. Please contact us at 800-456-3000 to update your contact information. 5. When you receive your four-digit Secure Access Code, enter it on the secure access code screen and click Submit . The Secure Access Code is valid for only 15 minutes. If it expires before you use it, you must request a new one. If you close the login screen and then receive the code, follow the above steps again and instead select “I already have a Secure Access Code” . 6. Now you can set your password. For your protection, you will need to create a password that meets the security criteria stated on the screen. Click Submit . 7. A view-only online profile screen will appear for your review. You cannot make any changes at this point. However, please note any contact information that you would like to change in the future. Once you have accessed Online Banking, you will be able to use the Manage Contact Info screen to make corrections. Click Next to continue. 8. Review the First Time User screen, which presents the Electronic Services Agreements and Disclosure. Read and acknowledge that you agree to the conditions by clicking I Accept . 9. You will be asked if you would like to register your device. If you register your device, you will not have to request a new Secure Access Code when you use that device in the future. 10. Congratulations! You are now logged in to Online Banking with AFCU.

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General Information

Current Banking Users

1. Type afcu.org into the address bar on your browser. In the Online Banking User Name box on the Home Page, enter your current User Name. Enter your current password in the password box and click Log in . If you have forgotten your User Name, please contact us at 800-456-3000. 2. You will be directed to a page where you will select the delivery method for your Secure Access Code. This page will display the contact information we have on file for you. Select either the phone, text message, or email option that will enable AFCU to reach you immediately with your one-time use Secure Access Code If the contact information we have on file is inaccurate or out-of-date, you cannot proceed further. Please contact us at 800-456-3000 to update your contact information. 3. When you receive your four-digit Secure Access Code, enter it in the access code screen and click Submit . The one-time access code is only valid for 15 minutes. If it expires before you use it, you must request a new one. If you close the login screen and then receive the code, follow the above steps again and instead select “I already have a Secure Access Code” . 4. You will then be prompted to change your password. For your protection, you will need to create a password that meets the stated security criteria stated on screen Click Submit . 5. A view-only online profile screen will appear for your review. You cannot make any changes at this point. However, please note any contact information that you would like to change in the future. Once you have accessed Online Banking, you will be able to use the Manage Contact Info screen to make corrections. Click Next , then OK to continue. 6. You are now presented the Electronic Services Agreement and Disclosure. Read and acknowledge that you agree to the conditions by clicking I Accept . 7. You will be asked if you would like to register your device. If you register your device, you will not have to request a new Secure Access Code when you use that device in the future. 8. Congratulations! You are now logged in to Online Banking with AFCU.

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General Information

Logging In

Once you have registered as a New User, and logged into Online Banking at least once, follow these steps for subsequent logins.

1. Type afcu.org into the address bar on your browser. 2. From Online Banking login box, enter your User Name and Password . Click Log In . 3. Forgot your password? Simply click on the Forgot Password? Option and enter your User Name. Click Submit . Should I register my device? If this device is a “private” device where you have exclusive access, you may want to register your device to have it recognized for future logins to save time. We do not recommend registering a public device where other people could have access to the same computer, for example, at a public library. Logging Off As a secure practice, you should log off your Online Banking session with AFCU before you close out of Online Banking, or anytime you walk away from your computer. For additional security, AFCU will log you out automatically due to inactivity or when your Online Banking session reaches the maximum time limit.

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General Information

Home

The Home Screen will give you an overview of all of your accounts at AFCU displayed in a comprehensive list with available balances conveniently in one place.

To View an Overview of Your Accounts:

1. For account transaction history, click the account name to view the Account Details screen. View transaction details by clicking the transaction. 2. You can scroll through the account summaries by clicking Next or Previous at the bottom of the summary box. 3. Click the edit button and you will be directed to Account Preferences where you can modify the nickname of accounts as well as designate the order in which they appear. The print button will print a quick summary of your current available funds in all accounts.

4. Need an action done in a hurry? In the top right corner, you will notice options for easy access tools. These Quick Action options allow you to swiftly transfer money, view activity and update alerts.

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Home

Account Details

To View Account Details:

From your Home Page , click on an account for more information. 1. For account transaction history, click the account name to view the Account Details screen. View transaction details by clicking that transaction. 2. If you click on the description of a specific transaction, you will see more details like the elements a multi-faceted deposit. You can then click a single element of this deposit for more information like the image of a check. 3. You can choose to print only this transaction or click Ask about transaction to send a secure message to us. 4. If you choose to Show Filters , you will be able to filter particular transactions to view, export or print. 5. Once you’ve made your selections, click Apply Filters . 6. Click Print to print your filtered transactions. 7. You can also Export your filtered selection when working from your computer.

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Messages

Messages

Our message center allows you to communicate securely with us. Check here for your alerts, replies to your inquiries, and credit union communications.

To View Messages:

Click on the Messages tab. 1. Messages are listed on the left side of the screen. Click the message that you would like to read and the entire message will appear on the right. 2. Delete or reply to a message in the upper right corner of the message. 3. Create a new message by selecting New Conversation . 4. Messages automatically expire after a certain period of time has passed. A message can be saved indefinitely by clicking this box.

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Transactions

Funds Transfer

Online Banking enables you to transfer funds between your own AFCU accounts quickly and easily.

To Transfer Funds:

Click on the Funds Transfer tab. 1. Select the accounts that you wish to transfer funds From and To using the drop- down menus. 2. Enter the dollar amount and date to process the transaction. 3. (optional) If you wish to setup a recurring transaction, check the box next to Make this a recurring transaction . New input fields will appear and you will need to specify the frequency and date range for this transaction. You can choose to make this transaction Repeat Forever by checking the box under frequency. 4. When you have finished entering all of the needed information, select Transfer Funds . 5. If successful, a screen with an overview of your transaction will appear. All funds transfers will appear in the Activity Center whether immediate or future dated. You can view them at this time or click Close and review at your convenience.

You can view or cancel unprocessed transactions by accessing the Recurring Transfer tab within the Activity Center.

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Transactions

Member to Member Transfer

With the Member to Member Transfer feature, you can send money to any AFCU member. You can also conveniently link to this account for deposit purposes only.

To Transfer Funds to Other AFCU members:

Click on the Member to Member Transfer tab. 1. Choose whether you will be making a Single Transfer or whether you would like to Link Account for future use. 2. For a Single Transfer , use Enter the dollar amount. If you wish to include a description to go with your transfer, do so in the provided box. 3. Enter the member account information for the person you wish to receive the funds. 4. Click Submit . 5. If you would like to link this account for future use. Click Link Account at the first window; fill out the requested member account information and click Submit . the drop-down to choose the account you wish to withdraw funds from.

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Transactions

Link External Account

In order to transfer funds to an account outside AFCU, you must first link the new external account. This will ensure the ability to make fund transfers to the outside account by integrating it into one, simple location.

To Link External Account:

Click on the Link External Account tab. 1. Enter the Account Number and the financial institution’s Routing Number in the spaces provided. These numbers can be located towards the bottom of a paper check. 2. From the drop-down menu, choose the Account Type . 3. Click Continue . You should then receive micro deposits in 2-3 business days deposited to the external account to show the process has been initialized. Once you see that you have received these deposits, go to the Link External Account tab, Step 2 .

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Transactions

Link External Account

4. Click Submit to review the list of pending Link External Account requests. 5. Select the account and enter the micro deposit amounts.

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Transactions

Activity Center

The Activity Center shows transaction activity initiated through Online Banking with AFCU. Depending on the type of account and access, you can review, approve and cancel unprocessed transactions. Whether single or recurring transactions, you can view debits/credits and verify the status, type, amount, account and date of your online activity.

To View Online Transactions:

Click on the Activity Center tab. 1. You can choose to view Single Transactions , Recurring Transactions , or Deposited Checks by clicking on the appropriate tab at the top. 2. Click on a transaction to view more details. 3. Click Show Filters for additional search options. 4. Click Apply Filters when you are satisfied with your filter criteria. 5. Select Actions to perform additional functions like to Copy a transaction, Print Details or choose Inquire to compose a Secure Message to AFCU.

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Transactions

Statements

The e-Statements feature is a great virtual filing system, saving paper and space in your home or office by allowing you to view and store your statements electronically.

Click on the Statements tab. 1. Read through the Electronic Statement Disclosure and click I Agree . 2. Select whether you would like to receive e-statements or paper statements for all of your accounts. 3. Click Next .

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Transactions

Statements

4. Confirm your email and click Enroll. 5. You are now enrolled in e-statements. Click View Current Statement or View History. 6. Select a statement you would like to view.

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Pay Bills or People

Overview

What is more reassuring than being in control of your finances? Staying in control of your bills! Paying Bills or People with AFCU allows you to stay on top of your monthly finances with the utmost ease and turn-key efficiency. Free yourself from the hassle of writing checks and the clutter that comes with traditional ways of paying bills. This is a quick and easy alternative to paying your bills online at the sites of each individual company or paying back your co-worker for yesterdays lunch. The first time that you click the Pay Bills and People tab, you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions.

Click on the Pay Bills and People tab to begin managing your bills online. Here you will be able to view your payees, pending payments and bill history among other information regarding your online account with AFCU.

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Pay Bills or People

Navigation

Click on the Pay Bills and People tab. 1. Click the Payments tab.

2. Pending transactions can be viewed in the right side panel under Pending . 3. A History of transactions can be viewed in the right side panel under History 4. Click viewmore for more details or by clicking view next to a specific transaction. 5. To view details of that transaction click View . 6. You can filter your future payments by Category if you wish. 7. Payees can be easily searched in the Search bar. 8. Secure messages can be sent or viewed by clicking Messages .

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Pay Bills or People

Create a Payee

The person or company to whom you are sending funds is known as the payee. A payee can be almost any person or company you would send a check, like your friend, a department store, a cable TV provider or even a lawn care service. It may be convenient to set up a payee to receive payments on a regular basis.

Click on the Pay Bills and People tab. 1. Click on the Payments tab. 2. Then click the Add a Payee button. In the drop- down list, click the type of Payee that you would like to create. 3. A new window will pop up.

Select whether the payee is a company, individual or a bank or credit union, then click Next .

4. Fill out the required

information regarding the payee, then click Next .

5. Enter the mailing

information for your payee and click Next . Your payee has now been created and added to your payee list.

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Pay Bills or People

Schedule Payments

Once you set up your payees, it’s easy to pay your bills quickly. When you click on the Payments tab you will see all of the payees you have established so far. To pay a bill, simply find your payee and fill out the payment information beside the name.

Click on the Pay Bills and People tab. 1. Click on the Payments tab.

2. You will see a list of payees and the most recent payment made to them as well as future due dates. Use the Pay from drop-down to choose the account from which you would like to pay each bill. 3. In the Amount column, enter amount of payments that you wish to make. 4. Enter the desired Payment date in the next column; be sure to use the convenient calendar feature. 5. You can choose to designate a faster than normal processing by clicking Rush Delivery in the Actions column. Fees apply. Refer to Consumer Rate and Fee Schedule for fees associated to expedited. 6. After you have carefully reviewed the payments, click Submit payments .

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Pay Bills or People

Recurring Payments

Our recurring payments feature keeps you ahead of your payments that need to be repeated. Setting up a recurring payment takes only a few moments, and saves you time from not entering a payment each time a bill is due.

To Create Recurring Payments:

Click on the Pay Bills and People tab. 1. Click on the Payments tab. 2. Find the payee you wish to set up recurring payments for; click the Make it Recurring link. 3. A new window will pop up. Choose the Pay From account, along with the Amount , Frequency , Payment date and other payment preferences. 4. Click Submit after you confirm the details.

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Pay Bills or People

Edit or Cancel Payments

Even after you have set up a payment, you have the ability to edit or cancel your payment up to the time it begins processing. This convenient feature gives you the freedom to change the way you make your payments.

To Edit or Cancel a Payment:

Click on the Pay Bills and People tab. 1. Click on the Payments tab. 2. To edit or cancel a payment, click on the payee. 3. A new window will appear revealing the recent activity for the payee. Click the Edit link towards the bottom of the window. 4. Here you can change the setting of your payment, such as the account you are paying from, the amount or payment date. Once you are done editing the payment, click Submit . 5. If you wish to delete the payment, click the box next to I would like to stop this payment .

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Pay Bills or People

Rush Delivery

Rush Delivery of your payment is available. Fees apply. Refer to our consumer rate and fee schedule for fees associated with an expedited payment.

To Rush Delivery for a Bill Payment:

Click on the Pay Bills and People tab. 1. To rush the delivery of a payment, simply click on the link that says Rush Delivery . 2. You will choose the amount to pay and use the dropdown to choose the account to pay from. 3. You will see options for delivery dates with applicable fees. Select a date. 4. Click Next . 5. A payment summary with a Fee Debit Authorization will appear. Click Accept and Submit .

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Pay Bills or People

Categories

Assign and organize your payees into specific groups called Categories to ensure increased convenience when paying your bills.

To Create Categories:

Click on the Pay Bills and People tab. 1. Click on the My Account tab. 2. Click the Add Category link. 3. A new window will pop up asking you to name your category. When finished, click Submit . 4. You will see on the right hand side of the screen that your category has been successfully added.

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Pay Bills or People

View Bill History

View and print bill history and details by entering the appropriate search criteria.

Click on the Pay Bills and People tab. 1. Click the Payments tab. 2. Click View More located next to the History panel. 3. Narrow down your search using the provided drop-down menus and options; click Search to see your results. 4. To print the search results for your records, click Print .

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Deposit Check

Mobile Deposit Enrollment

Once enrolled in Mobile Deposit, you can check balances, review account history, and transfer funds from your Online Banking account using any device with camera and internet capabilities. To Enroll in Mobile Deposit:

Click on the Mobile Deposit tab. 1. Click the “Terms and Conditions” link and review the terms. 2. Click the Check box indicating your acceptance of the terms. 3. Click Accept . You will then see a confirmation screen if you have completed the form correctly. 4. Once your information has been reviewed by the bank, you will receive a Secure Message indicating that the mobile banking service has been turned on. At this time, you can log in to the app on your smart phone and find the Deposit Check tab.

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Deposit Check

Mobile Deposits

With our Mobile App on your Android or iOS device, you can deposit checks into your AFCU Online Banking account by simply snapping a photo of a paper check. To Deposit a Check via Your Smartphone:

This feature is only available when using our mobile app on your mobile device.

1. Choose the account to where you wish to make a deposit then enter the amount. When you are finished, tap Capture Image . 2. Sign the back of your check then tap Capture Front for the front side of the check and Capture Back for the backside. 3. Verify that all four corners of the check are visible and all elements are legible then tap Submit Deposit .

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Settings

Account Preferences

In Account Preferences you can select name and viewing preferences for your Online Banking and Text Banking accounts.

To Set Up or Change Your Account Viewing Preferences:

Click on Settings tab then the Account Preferences tab. 1. For Online , you can customize your account display names and choose the order preference for viewing by entering a number in the box to the right side. 2. Toggle to the Text button for Text Banking account preferences. To enroll in Text Banking, select Text Enrollment from the Settings menu option. To view an account in Text Banking , check Enabled . Customize a four character account nickname to display and choose the order preference for viewing. 3. When you are happy with your choices, click Submit.

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Settings

Security Preferences

In Security Preferences, you can change the different designations that help keep your account secure.

To Set Up or Change Your Security Preferences: Click on Settings tab then Security Preferences tab, choose a preference to edit.

Password When changing your password, be sure that you follow the guidelines for creating a strong password.

User Name Be sure to create a user name that you will remember, but that is not too recognizable.

Secure Delivery Make sure that we have your correct email and phone number on file so you can receive Secure Access Codes when logging in from an unregistered device.

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Settings

Alerts

You can create and manage alerts to remind you of important dates, warn you about the status of your accounts, and when certain transactions occur. When you create an alert, you specify the conditions that trigger the alert as well as the delivery option to receive that alert. All alerts will automatically be sent to your Online Banking account via Secure Messages, regardless of the additional delivery preferences you have chosen. You can create specific Date, Account, History, Transaction, and Security Alerts and edit their delivery methods.

Delivery methods include:

• Secure Message within Online Banking • Email • Phone Call • SMS Text Message

To Set Up new Alerts:

Click on the Alerts tab. 1. To create a new alert, click the New Alert drop-down button. Choose the kind of alert that you wish to create from the drop-down. A new screen will appear where you can enter the necessary information. Be sure to click Save when finished. 2. To view the alerts for each category, click the category header. 3. You can easily toggle an alert On/Off without deleting the alert by toggling the Enabled button. 4. To view or change details of an already-existing alert, choose the Edit link on the right side of the alert that you would like to edit. Be sure to click Save after you change any alert details.

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Settings

Security Alerts

Security Alerts allow you to enable specific alerts to keep you informed of changes to your account and Online Banking profile. Alerts can be delivered via Secure Message within Online Banking, email, SMS text message, or phone call.

To Edit Security Alerts and their Delivery Preferences:

Click on the Settings tab, click on Security Alerts . 1. To activate or deactivate an alert, toggle the On/Off button that corresponds with the appropriate alert by toggling the enabled button. 2. To edit delivery preferences, click the Edit Delivery Preferences link at the top. These changes will apply to all Security Alerts. 3. Enter the information for your preferred delivery method. 4. Click Save when finished. 5. If an alert is grayed out, you are not able to edit or disable this alert.

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Settings

Text Enrollment

Once enrolled in Text Banking, you can check balances, review account history and transfer funds from your Online Banking account using any text enabled device.

To Enroll in Text Banking:

To enroll, click the Text Enrollment tab. 1. Toggle the Text Enrollment button from OFF to ON . 2. Enter your phone/SMS text number. 3. Read the terms and conditions and check the Agree to Terms box. 4. Click Save to complete enrollment.

To enable your account to be viewed in Text Banking, visit Account Preferences and click enable.

Text Command Options To #226563 For The Following Information: BAL or BAL Request account balance HIST Request account history

XFER

Transfer funds between accounts

LIST

Receive a list of keywords

HELP

Receive a list of contact points for information on text banking Stop all text messages to the mobile device (for text banking and SMS alerts/notifications)

STOP

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Settings

Manage Contact Info

It is important to maintain current contact information on your AFCU account.

To Update Your Contact info:

Click on the Manage Contact Info tab. 1. Update your contact information including phone, email, and mailing address. Click on the drop down you need to update.

This does not however change your secure access code delivery method. To make changes to your secure delivery information visit the Security Preferences tab and edit Secure Delivery.

2. Update needed information. 3. Click the Update button when you are finished. 4. A confirmation will be received upon success.

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Settings

Manage Contact Info

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Settings

Themes

In our Themes tab you can change the way your Online Banking appears. Making this change is as simple as clicking the sample screen that you desire.

To Change Your Theme:

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Services

Stop Check Payment

Using Online Banking with AFCU, you can initiate a Check Stop Payment request from any device. You can review the status of your request in the Activity Center. The stop

payment, once confirmed, will remain in effect for six months. Contact AFCU at 800-456-3000 for current fee information.

To Initiate a Stop Payment Request:

Click on the Stop Payment tab. 1. Choose request type; single or multiple checks. 2. Click on each category header on the left to select an account, enter a check number, amount and choose the date of the check. 3. Be sure to click Save as you complete each step. 4. When completed, click Send Request .

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Services

Order Checks

With Online Banking, you can conveniently order checks online.

Click on the Services tab, then select Order Checks tab. 1. Choose the account for which you would like checks ordered.

2. You will be redirected to our trusted vedor’s website to complete your order. Confirm you are the owner of the account by selecting the checkbox that says “I confirm that is my account number.” 3. Click Continue .

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Services

Order Checks

4. For security and identification purposes complete the information on the Identity Verification screen. 5. Click Continue . 6. Upon verification you can now view and select the checks that you would like to order for your account.

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Services

Reorder Checks

With Online Banking, you can conveniently reorder checks online.

If you notice that you are missing checks, please contact us right away so that we can take precautions to safeguard against identity theft and fraud.

To Reorder Checks:

Click on the Services tab, then select Check Reorder tab. 1. Choose the account for which you would like checks ordered. 2. You will be redirected to our trusted vendor’s website to complete your order.

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Services

eNotices

Click on the eNotices tab. 1. From the dropdown, select the member number you wish to view eNotices for. 2. Click Submit . 3. Here you can view all of your eNotices and eTax Forms.

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Services

Financial Manager

Our Financial Management tool allows you to manage your money from your Online Banking account. View your investment, mortgage, credit card, account balances, and transactions in one place. Easily create budgets, categorize and track spending habits, as well as tag your transactions to see where and how you spend your money.

Dashboard: You’ll find a quick overview of your financial standing on the dashboard, as well a host of financial tools that you can use to manage your finances. Budget: Track your spending. Add targets that will help you better control

such expenses as shopping or dining out. When you establish spending targets, you can also schedule notifications via a delivery method of your choice when you are near to your budget limit.

Cashflow: View incoming and outgoing transactions on a monthly basis. Goals: Set a personal financial goal and actively set aside money you wish to use towards that goal. Net Worth: Sum up your assets and debts. View pie charts to see how these assets and debts are allocated. Alerts: Add alerts to provide real-time monitoring of your financial situation. Alerts can send emails or text messages to you when certain criteria are met.

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Services

Add Account

You don’t have to come to the service center: Apply for a new deposit online. Click on the Add Account tab. 1. You will be redirected to AFCU’s online account application. 2. Complete your personal information. 3. Review the disclosure. Read and acknowledge that you agree to the terms by clicking the accept button. 4. Complete the steps to select and fund your application for a new account.

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Services

Apply for a Loan

Click on the Add Loan tab. 1. You will be redirected to AFCU’s online loan application. 2. Complete all boxes with the red asterisk beside them. 3. Once all required fields have been completed, click Submit .

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Services

Debit Alerts

Click on the Debit Alerts tab. 1. You will be redirected to AFCU’s Debit Alerts website. 2. Click Register Here to sign up for Debit Alerts from AFCU.

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Services

CU Rewards

Click on the CU Rewards tab. 1. You will be redirected to AFCU’s CU Rewards website. 2. You can login to your existing rewards account, or register.

Remember logins are a 16 digit account number made up of 11004000 + your member number.

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Locations

Branches and ATMs

Looking for the branch location or ATM nearest to you? You can click on the appropriate button to locate AFCU’s branches and ATMs. Use the zoom tool on the left to see a wider span of locations or zoom in close to see more detailed information about specific locations.

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afcu.org

(800) 456-3000