Online Services

Receive Electronic Statements with an Email Notification

By accepting the terms of this agreement, you hereby authorize America's First Federal Credit Union, to provide periodic account statements to you by electronic mail. Your authorization means that we can provide you with periodic statements of your account electronically to an email address provided by you. All electronic statements shall be in full compliance with applicable laws and regulations.

Upon receipt of your consent, we will provide periodic statements to you on a monthly or quarterly basis, as applicable, to an email address that you have provided to us. You will be required to use a password to view the electronic statement. It is your sole responsibility to protect your password from unauthorized persons. You understand and agree that it is your responsibility to ensure that the electronic statements cannot be intercepted or viewed by others. You understand that you have no expectation of privacy if the statements are transmitted to an email address owned by your employer. You further agree to release AFFCU from any liability if the information is intercepted or viewed by unauthorized parties at your employer or other email address selected by you.

You have the right to receive your periodic statements in a paper format in addition to an electronic format for an additional fee as established by the Board of Directors and published in our statement of fees. You may receive individual statement copies for a nominal fee by calling our call center at (205) 320-4095 or toll free 1-800-633-8431

Your consent to receive electronic periodic statements shall remain in effect until revoked by you. If you elect to revoke your consent to receive electronic statements, you must notify us via email at www.amfirst.org or in writing to our Member Services Department at P.O. Box 11349 Birmingham, Alabama 35202. The revocation of your consent should be received at least ten (10) days before the end of your normal statement cycle.

You understand and agree that you must furnish us with any changes in your email address. If your electronic mail is returned as undeliverable we will terminate your email statement privileges and will provide your statements in a paper format via regular mail resulting in a monthly fee.

In order to receive electronic statements, you must have an IBM compatible computer running Microsoft Windows 95 or higher and a minimum of 16 MB RAM and internet access with an email address with the capability of receiving downloads of up 5MB. In order to read the statements you will also need to install Adobe Acrobat Reader 4.0 or higher.

Electronic Funds Transfers Disclosure

If you give or have given a written, continuing request for the credit union to accept deposits into your account or to make payments from your account, the following rules apply to electronic transfers to or from your account.

1. If your statement shows a transfer that you did not make or authorize, tell us at once. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. If you tell us within two business days, you can lose no more than $50 if someone made a transfer without your permission. If you do not tell us within two business days after you learn of an unauthorized transaction, and we can prove we could have stopped someone from making an unauthorized transfer if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.



2. If you believe someone has transferred or may transfer money from your account without your permission, call: (205) 320-4095 or write: America's First Federal Credit Union, Post Office Box 11349, Birmingham, AL 35202-1349.



3. Our business days are Monday through Friday. Holidays are not included. Our holidays include most federally observed holidays.



4. The following types of electronic funds transfers may be made: withdraw cash from your accounts; make deposits; transfer funds between accounts; electronic check transfers initiated by a merchant; or pay for purchases at places that have agreed to accept your card. Some of these services may not be available at all terminals.



5. There are presently no charges for such electronic funds transfers.



6. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us to find out whether the deposit has been made. You may call us at (205) 320-4095, or 800-633-8431. You can get a receipt at the time you make any transfer to or from your account by using one of our automated teller machines or a point of sale terminal. You will get a monthly account statement unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.



7. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how: Call us at (205) 320-4095 or write us at Post Office Box 11349, Birmingham, AL 35202-1349 in time for us to receive your request 3 days or more before the payment is scheduled to be made. If you call, we may also require that you put your request in writing and get it to us within 14 days after you call. (We will charge you for each stop-payment order you give). If these regular payments may vary in amount, the person you are going to pay will tell you 10 days before each payment when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set). If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.



8. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:
   1. If, through no fault of ours, you do not have enough money in your account to make the transfer.
   2. If the transfer will go over the amount of credit the credit union elects to extend on your overdraft line.
   3. If circumstances beyond our control, (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
   4. There may be other exceptions stated in our agreement with you.


9. We will disclose information to third parties about your account or the transfers you make:
   1. Where it is necessary for completing transfers, or
   2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or
   3. In order to comply with a government agency or court orders, or
   4. If you give us your written permission.


10. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS, telephone us at (205)320-4066 or write us at Post Office Box 11349, Birmingham, Alabama 35202-1349 as soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared.
    1. Tell us your name and account number;
    2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
    3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error has occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if your account has been open for 30 days or less) (5 business days if the error you assert is an unauthorized VISA transaction, other than a cash disbursement at an ATM unless we determine that circumstances or your account history warrant a delay, in which case you will receive credit within 10 business days) for the amount you think is in error. This provisional credit enables you to have the use of the money during the time it takes us to complete our investigation. If the error concerns an electronic funds transfer that is (1) a foreign-initiated transaction, (2) a point-of -sale debit card transaction, or (3) a transaction occurring within the first 30 days after a deposit to a new account, a 90 day investigation period in place of 45 days will apply. Please note that if we ask you to put your complaint or question in writing and we do not receive it within 10 business days of our request, we may not credit your account. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. Rev. 2/02

I have read and agree to the above statements.

You must check the above in order to continue with this agreement.