October 2012 - First Flight Federal Credit Union

eFirstFlight
www.firstflightfcu.org
The New Face of
Banking is Coming
Soon – eFirstFlight !
The Website:
In the next few months, you’ll see new and exciting
things changing on our website and during your
online banking experience! First Flight is upgrading
its website and online banking system to be
more user friendly with more information on the
products and services offered. The new system will
provide convenient access to secure email, live
chat, online loan applications, and online account
opening and funding.
Some of the biggest differences you’ll notice include changes
to the functionality of the site’s homepage are:
It’s more than just a brand new look! While the redesigned
website will provide a clean new design and fresh look, it
will also have an improved navigation, additional online
functionality, a library of financial resources, and much,
much more!
The ability to apply for a loan, join First Flight, or add
additional accounts. You can even add KIDDS Plus or
Christmas Club accounts!
n Live Chat with First Flight Representatives!
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The site’s interior page content and top-down navigation links
will be further streamlined and we are confident that after the
redesign is complete, you’ll agree that First Flight’s website is
more member-friendly and convenient than ever!
Online Banking System:
The upgrade to First Flight’s eBanking system, will bring you
a more powerful online banking experience than ever before!
The new system will deliver the latest in smart technology to
simplify, speed-up, and centralize your financial management
task for convenient one-stop, non-stop access. It’s the future
of online banking and it’s almost here!
The new eBanking suite will give you the ultimate in account
access, control, & security! You’ll have access to the following
NEW services:
Budgeting Tools
Check Images
n Purchase Rewards
n Person to Person Payments
n Mobile Applications, including Android®
and iPhone® platforms
n Mobile Deposit
n Mobile Banking
n Text Message Banking
n iPad Application
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Check your e-mail, your local Financial Center, and First
Flight’s Website for more information on the redesign and the
eBanking system upgrade!
Frequently Asked Questions:
What can I expect when I login for the first time to the
new eBanking platform?
After the upgrade, you will login the first time using your
member number and current online banking password. If
you do not know your current password, please contact a
member service representative for further assistance.
Will I have access to the old system?
No, once the conversion is made, the old system will
no longer be available. However, if you have questions
about the new eBanking platform, feel free to call us at
1-800-807-0766 or visit our website to use our new
secure chat function.
After you are logged in, you’ll be prompted to create a
new eBanking user name and answer security questions
for your account. Once you’ve done this, you’ll also have
the opportunity to set-up your enhanced login security
preferences. When we need to confirm your identity, we
will send you a one-time access code. You can set-up three
different ways to receive this code!
Will my current login ID and Password work in the
new eBanking platform?
Receive your access code via text message by linking
an eligible cell phone number
n Opt to receive your online banking access code via email
n Set-up a landline or cell phone number whereby you
can receive an automated call with a your online banking
access code
Are there new features available?
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Once these are set-up, you’ll receive email confirmation
from First Flight for your records. You can also choose
to view a demo of the new eBanking suite from First Flight’s
homepage.
Will my bill pay experience be the same?
If you are a bill pay user, no worries! Bill Pay payees and
scheduled bill payments will be moved over from the old
system. We encourage existing bill pay users to access the
system and review scheduled payments and payees.
Yes! We’ve moved all this information over so your first login
will be similar to your old processes. Once you access the
system for the first time, you’ll set-up your enhanced login
security questions and answers.
Yes! First Flight is pleased to announce that the
new eBanking system includes financial management
tools, check images, text message banking, and
person-to-person payments.
Are there more changes coming?
Yes! First Flight will continue to enhance your eBanking
experience by introducing mobile banking, mobile deposit,
purchase rewards, check image retrieval, online account
opening and funding as well as iPhone® and Android®
apps. We’ll send out updates regularly so that you can take
advantage of all our eBanking suite offers!
eFirstFlight
Check Out these
NEW Features!
FinanceWorks – Take advantage of centralized account management, get
organized for tax season (with a seamless integration to QuickBooks!), pay
your bills, transfer money from other financial institutions into First Flight,
project your balance based upon posted transactions and consumer entered
projected transactions, and create and track your spending through a
monthly budget and view your overall net worth.
Person to Person Payments – If you hate writing checks and carrying
cash, you can now pay ANYONE, ANYWHERE by using First Flight’s Person
to Person payment system. All you need is their name and mobile phone
number or email address to move money from your First Flight account
to their account at any other financial institution. You can even schedule
recurring payments as well as payments to be sent when you need them!
Text Message Banking – Not sure how much is in your checking or savings
account? Just text BAL to 454545 and receive your current balance, text
LAST to receive your last five transactions to TRANS to transfer funds to your
primary account from a pre-designated account source. Other text codes
include:
BAL ALL- all account balances
BAL CHK- balances of all checking accounts
n BAL SAV- balances of all savings accounts
n STOP- unenroll from the service
n HELP send information on the commands, how to use
n TRANS (AMT)- transfers money to primary account
Coming Soon!
Stay tuned for more information on
further enhancements that will be live in
the coming months:
Mobile applications including iPhone®
and Android® applications
n
iPad® application
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Mobile deposit- deposit checks 24/7
using your mobile device! Save a trip
to the branch and avoid the delay of
mailing checks.
n
Purchase Rewards- with this innovative
new program you’ll receive offers
from selected merchants and receive
discounts on the products and services
you use every day! Each offer is
individualized based on your shopping
behaviors and you can receive cash
back or discounts when you make
qualifying purchases.
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You can even receive a weekly balance alert every Friday as well as a
low balance text alert when funds in your account go below a certain
amount! Log in to First Flight’s eBanking suite after the upgrade to
register your account and get started with Text Message Banking!
Check your e-mail, your local
Financial Center, or First Flight’s
website for more information on
these great new products!
eFirstFlight
www.firstflightfcu.org
Schedule of Fees and Charges (Effective 11/1/2012)
First Flight’s
Branch Locations
Cary
Account or Service Charges
1815 Kildaire Farm Rd.
(919) 233.5237
Wire Transfer
Check Printing*
Varies by style ordered
Domestic
$20.00
Cherry Point*
Deposited Item Return
$35.00
Foreign/International
$35.00
2nd Avenue
(252) 463.2212
3rd Party Return
$10.00
American Express
Insufficient Funds Fee
$35.00
Travelers’ Cheques*
$2% of purchase
Gift Cheques
$2.50
Checks Drawn on Closed Account
$35.00
Automated Draft Return
$35.00
Stop Payment
$35.00
Automated Stop Payment
$15.00
Multiple Returns
$3.50
Havelock*
Checking Account and Minimum Balance Fees
1232 E. Main St.
(252) 463.1705
Holly Springs*
400 Village Walk Dr.
(919) 557.5311
Share Account Minimum Balance Fee
$1.00 per month
Wright Checking Minimum Balance Fee
$3.00 per month
Horizon Minimum Balance Fee
$20.00
2405 A Herritage Street
(252) 527.8224
Navigator Checking Service Fee
$10.00 per month
Morehead City*
$1.00 each
4501 Arendell St.
(252) 247.0088
$0.25 per item
Collection Items (special handling)
$15.00
Check Cashing Fee*
$5.00 each
Navigator Checking Teller-Assisted
Withdrawal
Dormant Account Fee
$10.00 per month
Navigator Checking Processing Fee
Legal Process Attachment
$35.00
Telefast
Call Center Inquiry or Transfer Fee
$1.00
Share Account Closure Fee
$25.00
Paper Statements (Members Ages
18-55)
$2.00 per statement
Escheat Fee
$50.00
Overdrawn
$35.00
Account Balance Research*
$30.00 per hour
Overdraft Privilege
$35.00
Account History (Any six months)*
$2.00 per month
Missing Auto Title
$100.00
Card Replacement
$5.00
Notary Service
No Charge
Non-Credit Union Owned ATM Fee*
$1.50 each
Online Bill Pay *
$.99 per transaction
Inactive ATM/Visa Debit Card
(no activity for 6 months)
$3.00
Bill Payer Service*
$1.00 per check
Point of Sale
No Charge
Credit Union Checks*
$1.00
First Flight ATM with ATM Card
Stop Payment & Reissue
$15.00
First 6 withdrawals free at First Flight ATMs
3rd Party Check*
$1.00
Overdrawn
$35.00
Copy of CU Check*
$4.00
Overdraft Privilege
$35.00
Money Orders
$2.00
Card Replacement
$5.00
Commercial Money Order
$25.00
Non-Credit Union Owned ATM Fee*
$1.50 each
Share Overdraft Transfer Fee
$2.00
More than 6 withdrawals per month
$1.50 each
Loan Overdraft Transfer Fee
No Charge
* Free or Waived with Certain Credit Union Services
IRA service fee (once per year,
per IRA)
$10.00
IRA early closure fee
$35.00
Mobile Deposit
$.50 per item
P2P payments
$1.75 per item
Fund Transfers (incoming)
No Charge
Fund Transfers (outgoing)
$3.00
Check Withdrawal
$1.00
3rd Party Withdrawal
$2.50
Kinston*
New Bern*
3127 M. L. King, Jr. Blvd.
(252) 633.4766
Greenville Arlington*
1870 W. Arlington Blvd.
(252) 353.1428
First Flight ATM with VISA® Check Card
Greenville Memorial*
No charge for Transactions at First Flight ATMs
3530 S. Memorial Dr.
(252) 329.7378
Additional First Flight ATM locations
Cherry Point:
Marine Corps Exchange, The Roadhouse,
7-Day Troop Store, the Naval Hospital,
Miller’s Landing, Bldg. 133 and MCX
Gas Station
New Bern:
Craven Regional Airport &
Morehead City:
Carteret General Hospital
*Denotes ATM Locations
Questions and Comments may
be directed to:
First Flight Federal Credit Union
1815 Kildaire Farm Rd., Suite A
Cary, NC 27518
Phone (800) 807.0766
Fax (919) 851.8667
[email protected]
www.firstflightfcu.org
DISCLOSURES
Please visit First Flight’s website at www.firstflightfcu.org
or call us at 1-866-447-0692 for current rates & fees. Please
contact a First Flight representative for further information
and full disclosures. Fees and penalties may reduce earnings.
All accounts are subject to terms and conditions set forth in
the Truth-in-Savings Disclosure and Account Agreement
We do business in Accordance with the Federal Fair
Housing Law and the Equal Credit Opportunity Act.
Your savings federally insured to $100,000
NCUA
National Credit Union Administration, a U.S, Government Agency
Your savings are federally insured to at least
$250,000 by the National Credit Union
Administration, a U.S. Government Agency