Getting Started
 

Dear Member,

Welcome & thank you for taking advantage of our Online Services. We’d like to take this opportunity to provide you with some additional information to help you understand these services & to get the most out of your online experience. It might be helpful to print the following pages for future reference:

  1. You may add other ACMG accounts to your Online Banking Login by completing a Cross Account Transfer Agreement. Simply complete, sign & return by fax, mail or at any convenient branch location.
  2. Security Code - If you forget your security code, please contact us at 315-488-4433 or toll-free at 800-634-9239, for assistance. Please note that while logged into the Online Banking system, you can change your Security Code at any time from under the Personal Options section.
  3. As you know from the auto-enrollment process, you picked a set of security questions and provided appropriate responses. Periodically, you may be prompted to answer one or more of these security questions before logging into our Online Banking service. This is to insure that it is actually you trying to login to your account.
  4. Online Banking is a free service. Bill Payer is a free service as long as you pay one bill per month. If you have a month of inactivity you will be charged a set dollar amount each month (see current fee schedule) and after three months, the service will be disconnected. We do not want to see this happen so please call us if you’re having any problems getting started!
  5. Because the Online Banking system uses Secure Sockets Layers (a protocol to establish a secure connection between your browser and a web server) you will need to use an SSL-compliant web browser such as Netscape Navigator 7.0 or higher and Microsoft Internet Explorer 6.0 and higher. You may also access your ACMG accounts via web-enabled cell-phones and mobile devices that support SSL. If you have any concerns about security protocols, you may learn more by clicking on the “About Security” button on the login page to Online Banking.
  6. Finally, we thought it would be helpful to provide you with a description of the many navigational links within our Online Banking & Bill Payer service.

Definition of Navigational Links:

Bank It - Account Summary
This provides a list of your ACMG accounts and account types as well as their available balances (i.e. share savings, holiday club, share draft checking, loans, etc). When you select an account from this list, you are presented with the Account Detail screen for that account. The Account Detail screen shows current balances, rate information, next payment date on loans and other useful information about the account. The Account Detail screen also includes up-to-the minute transaction history for each account. Each transaction is displayed with the posted date, amount, type of transaction, and the account’s balance after the transaction was processed.

Bank It - Transfer Funds
This allows you to move funds between share types and other permitted accounts. There are three types of transfers:

  • Immediate – An immediate, one-time transaction process is attempted. You are notified immediately if the transfer is successful.
  • One-time - A one-time transaction will be processed on a future date that you specify. This cannot be scheduled more then 18 months in the future.
  • Recurring - A transaction is processed starting on a future date and reprocessed as many times as you have specified.

Transactions will be processed on the scheduled date unless the date is a non-business day (such as holidays or weekends). In those cases, a one-time transaction will be processed the next business day and a recurring transaction will be processed on the previous business day.

Bank It – Loan Advance
This allows you to take a loan advance from available accounts, like an overdraft line of credit, and transfer it to one of your share or share draft accounts.

Bank It – Loan Payment
Use this feature to make a payment on any of your loans, including overdraft line of credit and VISA credit card. Please note that when you make a payment on your VISA credit card, the deduction will be made from your account immediately and the payment will be credited immediately but you will not see your VISA balance reduce for approximately two business days as it is processed through the VISA system.

Bank It - Scheduled Transfers
This feature allows you to review pending one-time or automatic transfers scheduled for a future date and/or to cancel a transfer request before it occurs. You may also change information depending on the type of scheduled transfer.

There are two types of transfers to select:

  • One-time - You can change the transaction amount and processing date of the transfer.
  • Recurring - You can change the transaction amount, the next processing date, the number of transfers to be processed, in addition to the transfer’s frequency (weekly, monthly, etc.). Any change to a recurring transaction will affect all future transfers.

If you want to change the FROM account or TO account and then re-setup the transaction with the desired changes, you must first cancel the transaction. Because an immediate transfer takes place the instant it has been confirmed, it cannot be modified or canceled afterward.

Bank It - Transfer History
This feature provides the details and status of transfers you have made. You may select which transfers you wish to review. If you do not specify any search criteria, then all available transfer histories will be presented. You may specify any combination of the following transfer details, if you want a more restricted list of transfer histories:

  • If you specify Account number you will receive history for all transfers for that account.
  • If you specify Transfer dates you will receive history for all transfers between the specified starting-date and ending-date.
  • If you specify Transfer amount you will receive history for all transfers within a +/-$10 range of the amount specified.

Pay It – Set Up/Change Payments
This feature is used to set up/make or change a payment. Click on the merchant you want and click on the button at the bottom that says “Setup/Change”. You’ll then set up the details of the payment. The second time you pay a merchant, the system will know if they accept electronic or paper payments. If you use the calendar feature to assign the date, it will tell you if the payment will take 2 or 5 days, based on how the merchant takes the payment. You can also determine what account the payment will come from, if it will be a one-time payment or recurring and you can add your own comment.

  • One-time Payment - The payment is sent and processed only once. If the payment date specified is a non-business day (such as a holiday or weekend) it will be sent the next business day.


  • Recurring Payment - The payment is sent for as many times as you have specified (up to 10 years). If the date specified is a non-business day it will be sent on the previous business day.

Pay It – Quick Pay
This is another way to schedule a payment. This screen gives you a list of your frequently used merchants with their last payment dates. Members can pay multiple merchants from this one screen.

Pay It – Scheduled Payments
This lists all the future payments that you have scheduled that haven’t been paid yet.

Pay It – Payment Calendar
This summarizes your past and future payments by date in calendar format.

Pay It –Payment History
This lists past payments based on a timeframe that you specify. You can also search for a past payment based on its confirmation number.

Pay It – Merchant Accounts
You’ll use the buttons at the bottom of this screen to set up a merchant for the first time. To do this, click on Merchant Accounts under the Pay It category and select ‘Add Merchant’. Here, you can also update existing merchant information. You will need to enter the merchant’s name, address, telephone number and your account number with them. You can add additional account numbers under this one merchant and you can delete merchants when necessary.

If the merchant you’re paying is able to receive an electronic payment, then your payment will be sent this way. If the merchant is not able to receive an electronic payment, then a paper check will be created and mailed through the Online Bill Payer service—at no additional cost to you. After you have made your first payment to a particular merchant, the system will tell you whether to schedule your payments for that merchant two business days in advance of the due date (for electronic payments) or five business days in advance of the due date (for paper check payments). This allows you to check for payments that have already been sent. You can search by Merchant Name, Date Sent, Amount or Confirmation Number.

Mail It
Communicating has never been so simple! Using the featured links found under the Mail It menu in the left hand column, you can contact ACMG’s team of member service representatives directly. Mail It allows you to review, save, and delete received messages between you and the credit union and to send new messages to ACMG in which questions, problems or requests may be shared.

Automated messages through Mail It may also be sent to notify you of changes or problems resulting from the use of Online Banking. For example, if a payment fails because of insufficient funds in the debited account, you may receive a message via Mail It. All correspondence e-mails will be displayed immediately upon logging into the Online Banking system.

Personal Options
You can use available links found under the Personal Options menu to change your Logon ID, Security Code or security questions, update your email address and to add/delete an account. If your address and/or phone information changes, please notify ACMG Federal Credit Union directly, so we can update our records.

Export It
Here, you can export your ACMG Online Banking and Bill Payer information to your Quicken Personal Finance software to track & manage your finances and assets. Examples of information that you can export include: scheduled transfers or payments, transfer or payment history, account history and merchant categories.

Once again, thank you for taking advantage of Online Banking and Bill Payer services at ACMG Federal Credit Union. As you have probably already discovered, you now have a convenient way to manage your account(s) and maintain your financial records with Online Banking. In addition, our Online Bill Payer service is an easy-to-use system which allows you to pay your bills electronically – saving you both time and money.

Best of all, with our Online Services you still get the local ACMG member service that you’ve come to expect. We can help you set-up your merchants for the first time, walk through the payment process and investigate any problems or questions that you may have with the Online Banking or Bill Payer service.

All of us here at ACMG Federal Credit Union truly appreciate your business and hope that you enjoy the many benefits of credit union membership. When you use ACMG products and services, such as Online Banking & Bill Payer, you benefit on a personal level, but at the same time, you are also strengthening the credit union to help 7,500+ members!

If you have any questions or comments regarding Online Services at ACMG, simply pick up the phone and give us a call at 315-488-4433 (toll-free at 800-634-9239), send us a message using the Mail It feature (described above) or send us a note using the Contact Us page on our website. It’s that easy!

Thank you for being a member at ACMG Federal Credit Union. Enjoy!