Use online banking for: viewing electronic statements (e-statements), managing your account, transfering funds between your AHCCU accounts, making a check withdrawal, or using Bill Payer for an additional $5.95 per month.
To sign up for online banking, read the Online Agreement and Disclosure Statement and complete the enrollment form at the bottom of this page. You will receive your user ID via U.S. Mail and your password will be sent via the email. Once you have received both, you may log in to your online banking.
ELECTRONIC FUNDS TRANSFER AGREEMENT
This Disclosure is provided to members according to the provisions of the Federal Electronic Funds Transfer Act. As used in this Disclosure, the words “we, us, AHCCU or the Credit Union” refer to the Augusta Health Care Credit Union; the words “I, you and your” refer to the member; and the letters “PIN” refer to your Personal Identification Number. This Disclosure applies to all types of electronic funds transfer services provided by Augusta Health Care Credit Union. Please read this Disclosure in its entirety since it contains disclosures, which affect you. You may want to print and save this document for future reference.
All electronic funds transfer services provided by Augusta Health Care Credit Union in relation to its accounts, as defined in the Electronic Funds Transfer Act, are subject to the following terms and conditions. Your use of our electronic funds transfer services, by means of Internet Account Access, constitutes your agreement to be bound to these terms and conditions.
Eligibility for AHCCU Online Banking
Equipment and Technical Requirements
Types of Services/Transfers Available
I may designate accounts at the Credit Union between which I may transfer funds electronically through Internet Account Access. All of these accounts must be owned or jointly owned by me.
Limitations on Electronic Funds Transfers
I understand that federal regulations permit me to make no more than six preauthorized, automatic, telephonic, or audio response transfers or withdrawals or a combination of such transactions from my savings account to any of my other accounts or to a third party during any calendar month. Similar limits do not apply to transfers from my checking account. Of these six, I may make no more than three transfers to a third party by check or similar paper instrument or debit card. A preauthorized transfer includes any arrangements I have with the credit union to pay a third party from my savings account upon written or oral orders including through an Automated Clearing House (ACH). AHCCU Online transfers are counted toward my six total permitted transfers. There are no limits on transfers to any loan account I have at the credit union or to transfers to any other credit union account when I initiate such transfer in person or by mail.
Member Liability Disclosures
Tell us at once if you believe your Personal Identification Number (PIN) has been lost or stolen. Telephoning is the best way to keep your possible losses down. If you fail to notify us promptly you could lose all the money in your account. If you tell us within 2 business days, you can lose no more than $50 if someone used your PIN number without your permission.
If you do not tell us within 2 business days after you learn of the loss or theft, and we can prove we could have stopped someone from using your PIN without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transactions that you did not make, tell us at once. If you do not notify 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 kept you from notifying us, we will extend the time periods.
If you believe that your PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, you must call or notify us in writing immediately at:
Augusta Health Care Credit Union
NOTE: Memorize your PIN. If necessary, keep it in a completely separate place for your protection.
The fees for this service will be assessed to your master share account (savings) unless otherwise instructed the first business day of each month. Please make certain you have funds in your account to cover any fees and maintain a share balance of $10.00.
Documentation of Transfers
Credit Union Liability for Failure to Make Transfers. 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 that you prove are directly caused by our action or failure to act. However, there are some exceptions to our liability.
We will NOT be liable, for instance:
I understand the AHCCU Online Banking may be temporarily unavailable due to credit union record updating or technical difficulties.
Account Information Disclosure
Error Resolution Procedures
Augusta Health Care Credit Union
as soon as you can if you think your statement or record of an electronic funds transfer is wrong or if you need more information about a transfer listed on the statement or record issued to you. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. When you call or write to us in this regard, you should:
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation 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 re-credit your account within 10 business days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days; we may not re-credit your account.
If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.
We reserve the right to levy service fees in accordance with fee schedules adopted by the Credit Union from time to time. If other terms and conditions set by us are in conflict with the disclosure, this disclosure statement will prevail.
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