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.


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
I understand that in order to use the AHCCU Online Services, I must have an account in good standing and that the Credit Union reserves the right to deny me access to Online Services

Equipment and Technical Requirements
I understand that to use AHCCU Online Banking, I must have Internet Access through an Internet Provider and Internet Browser software. I understand that the Credit Union does not make any warranties on equipment, hardware, software or Internet Provider service, or any part of them expressed or implied, including, without limitation, any warranties of merchantability or fitness for a particular purpose. The Credit Union is not responsible for any loss, injury or damages, whether direct, indirect, special or consequential, caused by the Internet Provider, AHCCU Online Banking, or any related software used in the installation, use or maintenance of your personal computer hardware, software or other equipment.

Types of Services/Transfers Available
With access to the Internet, your account number, your PIN, and logon ID, you may perform the following transactions at any time:

  1. Balance inquiries
  2. Transfers between savings and share draft (checking) accounts
  3. Transfers to make loan payments
  4. Withdrawal by check (payable to primary member)
  5. Obtain rate quotations and other information on your accounts and loans
  6. Review your account history (which may be downloaded to Quicken or Money software packages).
  7. View/print E-Statements quarterly (monthly with checking acct)
  8. Pay bills from your checking account with AHCCU Online Banking Bill Payer Service.

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
The limit on your amount to transfer is the available balance in your account. I authorize the Credit Union to transfer funds electronically between my designated account(s) according to my instructions initiated through AHCCU Online Banking.

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
I understand that you will issue me a PIN (Personal Identification Number) and that I must keep the PIN confidential. I agree with you that the PIN is my signature and I may use it to authorize transactions with you as if I were signing a document by hand. If I permit any other person to use my PIN, I will be responsible for any transaction they authorize. Additionally, I will be liable for unauthorized use of my AHCCU Online PIN to the extent allowed by applicable federal and state laws.

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
P.O. Box 1000
Fishersville, Va. 22939
Telephone (540) 332-4590 or 932-4590

NOTE: Memorize your PIN. If necessary, keep it in a completely separate place for your protection.

Applicable Fees
Bill Pay – there is a fee of $5.95 per month to pay up to 15 bills. Each additional bill payment costs fifty cents.

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.

Business Days
Augusta Health Care Credit Union can be reached during normal business hours, Monday through Friday. Holidays are not included.

Documentation of Transfers
You will receive a confirmation screen with reference information after every transfer you make. Your monthly statement will show all electronic fund transfers. AHCCU Online Banking transfers are coded as ”personal credit union” transactions. Any documentation provided to you that indicates an Electronic Funds Transfer has been made shall be admissible as evidence and proof that such a transfer was made.

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:

  1. if through no fault of ours, you do not have enough money in your account to make the transfer,
  2. if the transfer would go over the available credit limit on your account or other available preauthorized line of credit,
  3. if we are legally restricted from transferring funds to or from your account,
  4. if circumstances beyond our control, such as fire or flood, prevent the transfer despite reasonable precaution that we have taken,
  5. if you did not give AHCCU Online Banking complete and correct information needed to complete the transaction.
  6. if your estimated time to allow for delivery to the payee is inaccurate. There may be other exceptions.

I understand the AHCCU Online Banking may be temporarily unavailable due to credit union record updating or technical difficulties.

Account Information Disclosure
We will not disclose information about your account or AHCCU Online Banking transfers to others without written permission except to complete transactions, to verify the existence and the standing of the account upon proper written request, or to comply with a governmental agency or court order, etc.

Error Resolution Procedures
In case of errors or questions about your electronic transfers, telephone or contact us at:

Augusta Health Care Credit Union
P. O. Box 1000
Fishersville, VA 22939
Telephone (540) 332-4590 or 932-4590

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:

  1. Tell us your name, account number, and telephone 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 this suspected error and the date of the transaction as shown on your statement.

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 may amend all terms and conditions at any time, but will give you notice 21 days before the amendment becomes effective if the amendment will result in increased charges or liability to you or a few types of available electronic fund transfers or limitation of the transfers you may make. Such notice will be mailed to you at the last address of record on our files. If, however, an immediate change in terms and conditions is necessary for security reasons, we may amend these terms and conditions without prior notice.

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.

Apply online now
I have read and understand all disclosures as they relate to online services provided by Augusta Health Care Credit Union and would like to proceed to the online application.