Welcome to the world of Online Banking, the easiest, safest and most convenient way to pay your bills, transfer funds and maintain your records. Below is a Guide to Online Banking and Bill Pay Services for your information.

If you are interested in our free Bill Pay Service contact Member Services during business hours to be instantly set up. We want your Online Banking experience to be a success in every way, so our Member Services team can be reached at (800) 454-7206 if you have a question or need help.

Guide to Online Banking and Bill Payment Services

Overview
Internet Banking and Bill Payment allows you to perform banking transactions, pay your bills, and communicate with Member Services quickly and easily from the comfort of your home or wherever you happen to be. These services provide secure access at any hour of the day. When you have questions or need help, you have several resources: this guide, on-line help at your fingertips, and Member Services through secured mail messages or by telephone.

Internet Banking
Use Internet Banking to review account balances and history, transfer funds, review and change scheduled transfers, view transfer history, make loan payments and loan advances.

Internet Banking Account Summary tells you the last four digits of your account number, type of account and the available and actual balance for that account.

Internet Banking Account History feature enables you to review account history that our institution maintains for each account.

Internet Banking Account Transfer feature offers three types of transfers:

• Immediate - A transfer is attempted immediately. You are notified if the transfer is successful while you are on-line. The money is actually moved based on the same schedule as transactions performed at an ATM.
• One-time - A transfer is made on a date you specify.
• Automatic - A transfer occurs as often and as many times as you specify.

Transfers that are made on future user-specified dates are called "scheduled" transfers. These transfers may be either one-time or automatic. The first transfer date may be no more than 18 months in the future. Scheduled transfers are processed on the scheduled date. Transfers scheduled for non-business dates (such as January 1 or weekends) are processed on the next business day for one-time transfers and on the previous business day for automatic transfers.

Internet Banking Scheduled Transfers feature lets you review one-time or automatic transfers or cancel a transfer before it occurs. You can also change information, depending on the type of scheduled transfer:

• One-time transfer - You can change the amount and date of the transfer.
• Automatic transfer - You can change the amount, next transfer date, number of transfers, and transfer frequency. The changes affect all future transfers.

If you want to change the FROM or TO account, you must cancel the transfer and set it up correctly. An immediate transfer takes place the instant you confirm it, so it cannot be modified or canceled afterward. Internet Banking Transfer History feature provides the details, including the status of transfers you've made. You have several ways in which to select which transfer(s) you want to review. If you don't specify any criteria, you get all available transfer history. If you specify:

• Account number - You receive all transfers for that account.
• Transfer dates - You receive transfers from the start date to the end date.
• Transfer amount - You receive all transfers within plus or minus $10 of the specified amount.

If you want to direct the search to a more restricted list of past transfers, specify a combination of transfer details.

Internet Banking Loan Advance feature allows you to make immediate, one-time, or automatic advances from a qualified loan.

Internet Banking Loan Payment feature allows you to make immediate, one-time, or automatic payments to a loan.

Bill Payment
Use the Bill Payment function to schedule payments to merchants, review and change scheduled payments, and review payment history. Bill Payment offers an alternative to the traditional method of paying bills. Instead of writing a check and mailing the payment to the merchant, you can schedule all your payments through Internet Bill Payment. You can schedule payments to be made on certain dates. Bill Payment provides a confirmation number for every payment and keeps track of your payment history. These features make Bill Payment an excellent record keeper.

Usage of Internet Bill Payment essentially involves three steps:

• Set up your personal list of merchants. To pay bills, the merchant(s) you want to pay must be in your personal merchant list with all account numbers you have with each merchant.
• Set up a payment.
• Change or cancel your payment information as necessary.

Things You Should Know About Your Payments
Bill Payment uses one of the following methods to pay your bill:

• Internet payment to merchants on the electronic network. When this method is used, you receive a recommendation to set up your payment at least two business days before the due date.
• Check payment to merchants who do not receive electronic payments. When this method is used, you receive a recommendation to set up your payment at least five business days before the due date. (See note below.)

Note: The recommended lead times are provided to ensure the merchant receives the payment in a timely manner. Posting of the payment is the responsibility of the merchant.

If you do not provide the correct merchant and account information, your payments may not be successfully completed.

If the payment is processed according to the recommended lead times for scheduling payments, and it is deemed late by the merchant/payee, our processor will be liable for up to a maximum of $50 of late fees assessed by the merchant.

Payments are processed Monday through Friday with the exception of federal holidays. Payment processing begins at 2PM EST each day. You cannot schedule, change, or delete a payment to occur on that day after processing begins.

Types of Payments

• A one-time payment is paid at a time you specify.
• An automatic payment occurs as often and as many times as you specify for up to 10 years.

Payments that are made on future dates that you specify are called scheduled payments. These include one-time payments and automatic payments. The first payment date may be no more than 18 months in the future. Payments are processed on the scheduled date. Payments scheduled for non-business dates (such as January 1 or weekends) are processed on the next business day for one-time payments and on the previous business day for automatic payments.

Payments for Government Obligations
First Jersey Credit Union does not recommend payments for government obligations. Special care should be taken when scheduling payments for government obligations such as taxes and court-directed payments. Ample time for the delivery, processing, and posting of your payments should be allowed since you may incur significant penalties as a result of late payments.

Bill Payment's Scheduled Payments feature lets you review your scheduled payments (one-time and automatic) and delete a selected payment before the payment occurs. You can also change information, depending on the type of scheduled payment:

• One-time payment - You can change the amount and date of the payment.
• Automatic payment - You can change the amount, next payment date, number of payments and frequency of payments. The changes affect all future payments.

Bill Payment's Payment History feature lets you find payments by specifying the payment details. You have several ways to select which payment(s) you want to receive. If you don't specify any criteria, you receive all available payment history. If you specify:

• Merchant name - You receive all payments for that merchant.
• Payment dates - You receive payments from the start date to the end date.
• Payment amount - You receive all payments within plus or minus $10 of the specified amount.

If you want to direct the search to a more restricted list of past payments, specify a combination of payment details.

Secure Mail offers the capability to review, save, and delete received messages and to send new messages to Member Services. You can use this feature at any time to communicate questions, problems, or requests.

Personal Options
Use Personal Options to:

• change your security code
• add or delete an account

Personal Options can be used to change your personal information on the service; however, you must also notify our institution directly of any relevant changes to your name, address, or phone number. The checking account you specify for bill payment is set up for you when you sign up for the service.

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