Allegany First FCU Online Banking
Online Banking Help
Security Policy
Frequently Asked Questions
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Online Banking Help

Welcome to Online Banking

Online Banking is a reliable service that allows you to enjoy day-to-day banking from the comfort of your home. Whether you prefer to use your PC or browse with a mobile device, online banking provides a convenient way for you to check your credit union account balances, transactions, statements, and checks.

Help Topics

Signing Up

To sign up for online banking, a few pieces of information are required to confirm your identity. You will be asked for your credit union account number, last name, and the last 4 digits of your social security number. Your email address will be used to send you alerts and information for your online banking account. Security questions will be used to verify your credentials when resetting your password or logging in from a new PC or device.

Account Summary

The account summary page is a convenient way to view a complete list of all accounts you own as well as any accounts that you are a joint owner on, plus accounts that have been attached to yours. All accounts will be grouped by account type, and any joint or attached accounts will be grouped under the member account who owns them.
Changing your account nicknames
Every account that you have access to has a nickname used to identify it on the online banking website. When you first sign up, your nicknames are all set to the default (e.g. SHARE_1), but can be changed to anything. For example, you may rename your primary draft account as "Checking Account" and will then be able to easily identify it on the website.
To change an account nickname, click on the pencil icon (Rename) to the right of the account number in the account list. This will open a dialog box that will accept any text 40 characters or less.
Joint member accounts or member accounts that are attached to yours can also be nicknamed in a similar fashion. To do this, simply click on the blue header bar that represents the joint or attached member account, and the nickname dialog will appear.
Any nicknames that you set will only be used by this website and will not show up on any of your monthly statements.

Account Activity

The account activity page allows you to view your transaction history on each account you have access to. Filter the transactions by date range or by text search using the options presented at the top of the page.
In addition to your transactions, the activity page will also show you any temporary authorizations or check holds that have been placed on your account. To view them, simply click the Show Temporary Authorizations and Check Holds button above the transaction list.

Transfers

The transfers page is where you can transfer money between all accounts you have access to. It also allows you to make check withdrawals, either to be mailed to your home address or reserved to be picked up at the credit union. Depending on your access privileges, you may be able to transfer into accounts you cannot view on the accounts page. Please contact your credit union if you need to make any changes to the access rights to any of your Joint or Attached accounts. Also note that for security purposes, your credit union may place a daily withdrawal limit on your accounts.

E-Statements

Electronic Statements (or E-Statements) are pdf replicas of the statements you receive each month by mail. The statements page will provide a selection of statements to choose from, and you can download them to your device to view. If you are not currently signed up for E-Statements, the Statements page will provide a brief disclosure which you must agree to before you are signed up.

Downloading Transactions

The Downloads page is where you are able to download any or all of your account transactions to your device, after which you can import them into your financial software. Use the checkboxes to select the accounts you wish to download transactions for, and then select the file format you wish you download them in at the bottom. Click the download button to complete the process.

TERMS AND CONDITIONS

ONLINE HOME BANKING


"Credit Union", "We", and "Our" refers to Allegany First Federal Credit union, Allegany First Federal Credit union’s partners, and all employees employed therein. "Visitor", "User", and "You" refer to anyone who accesses, views, and or downloads information to and or from our website.

Introduction:

This page explains the terms and conditions for using our Online Home Banking Service and provides certain disclosures and information to you concerning the service. Each of your accounts at the Credit Union is also governed by the applicable Membership and Account Agreement and Truth In Savings Disclosure you received when you opened your account.

Access Your Accounts:

The password that is used to gain access to your information should be kept confidential, just as you would keep other PIN numbers and security codes confidential. For your protection it is recommended that you change your home banking access password regularly. It is recommended that you memorize this password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your password may have been lost or stolen, or that someone has transferred or may transfer money between your accounts without your permission, notify the Credit Union at once at (585) 567-4103.

Fees:

Allegany First FCU assesses no fees for use of the home banking service or bill pay service, however, you may incur fees due to your use of this service if it causes your account to be overdrawn. All other fees in your original membership agreement also apply.

Available Services and Limitations:

Members through the Online Home Banking service may perform the following functions:

  • Transfers: You may transfer funds from your Share (Savings) and Share Draft (Checking) to other related account including loans and clubs.
  • Account Balances: You may view your account balance for each account at the Credit Union. There may be drafts written against your account, or other electronic items such as debit card transactions that have not yet been presented to the Credit Union for payment.
  • Access bill pay to initiate payments.
  • Allegany First FCU reserves the right to limit access or cancel on-line access at any time.

Transaction History:

You may view the transaction history for every account that you are a primary or joint owner on.

  • Password Changes: You may change your password at any time from within the home banking section, under settings. For your protection we recommend that you change your home banking password regularly.
  • Check Search: You may search for drafts that have cleared your account. You may also list clearings by date cleared or by check number.
  • Downloading Financial Information: You may download your financial information from the Online Home Banking program into some financial software programs.
  • Additional Services: From time to time, we will announce additional services, which are available through our Online Home Banking service. Your use of these services will constitute acceptance of the terms and conditions presented at the time they are announced.

Operating Systems and Security:

Our Online Home Banking site is designed to operate using the World Wide Web technologies and protocols, which are adaptable to a wide range of systems. The home banking section uses SSL encryption and requires a browser with the ability to use SSL encrypted connections. Some older browsers may not be able to connect to the site without first updating the browser.

We use cookies to help us administer the home banking section. Some browsers allow you to reject cookies from servers. If cookies are disabled, you must enable at least per session cookies or you will not be able to log in. The cookie we set contains information we need for security, and allows us to 'time out' your authority to view information. A cookie cannot be used to extract data from your PC. We do not store your Access Code, User Id or Password in your cookie. The cookie we set will 'time out' your access authority to our Online Home Banking service. Until it times out, you can come back to our home banking without logging in.

Privacy:

Our home banking database is a private system operated for the exclusive use of our members. We use SSL encryption to insure the privacy of your information when sending data between the Credit Union's home banking server and your PC.

The server logs all home banking authenticated logins. We use this information for internal review and product evaluations only. We never sell, transfer, or trade this information unless we are compelled to do so by law.

We may gather and store additional information available to us including, but not limited to: failed login attempts and other activity we consider a threat to the home banking system. In these cases, we will share this information with other companies, agencies, and law enforcement officials as we see fit.

Liability for Unauthorized Transfers:

In the event that there is a dispute regarding transactions that have taken place through Home Banking, the Credit Union should be contacted immediately at (585) 567-4103. All disputes must be brought to our attention within 60 days of the statement mailing. All claims will be investigated by the credit union and the user will be notified within 60 business days of our receiving the complaint. Compensation will ONLY be provided for the amount of the transaction or in other words to Debit or Credit the Account for the amount in question.

Most transactions will be posted the same business day, but could take longer due to unforeseen circumstances. Credit Unions business days are Monday through Saturday. We are closed on Federal, State, and Local holidays so these are not counted as business days.

Unauthorized access or use of this website in not permitted and may constitute a crime punishable by law.

Statements:

All transactions generated by you through the Credit Union's home banking service and any home banking fees will appear on your monthly or quarterly statement.

Errors and Questions:

Responsibility for intentional or unintentional inaccuracy resides with the member. If for any reason you believe your account is inaccurate you are responsible to notify the Credit Union as immediately. If you need more information about our error resolution procedures, contact the Credit Union at 585-567-4103 or Allegany First Federal Credit Union, 27 West Main Street, Fillmore, NY 14735

The Laws of the State of NY apply to all Terms, Conditions, and Policies found herein. In the event that any portion of this Agreement is found to be invalid, or unenforceable the laws of the State of NY will supersede the term in question and the law that most closely expresses this agreements purpose and intent will be applied.


By clicking "I Agree", I agree that I have read and accepted the Terms and Conditions presented above.


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