Online Banking & Bill Pay



24-Hour Online Banking


As much as we would like to have all of your business, we realize that you may have ventured out and opened an account or two from other financial institutions. The recent enhancements that we made to our online banking platform will give you greater control of all your finances. Below are some of the enhanced capabilities of our online banking platform:
  

External Transfers: Move money to and from the Credit Union with the click of the mouse

Suppose you have an account with an online brokerage or a bank. For your convenience, you can now link those non-AEFCU savings and checking accounts to your American Eagle FCU checking account, which will allow you to transfer money to and from each account. The maximum amount allowed for external account transfers is $4,000 per day and $12,000 per 30 days.  
 

Account Nicknames & Alerts: Your accounts now can have names & talk back to you!

Life is hectic. Sometimes we need a little nudge or a reminder. You can now nickname your AEFCU accounts and set up email alerts for just about anything including balances updates and cleared checks.

Access your accounts whenever you need to. All the functionality you need to manage your finances is at your fingertips. Our online banking service is protected by the latest security to help prevent fraud and keep your money safe.

24-Hour Online Banking allows you to:

  • Transfer funds between your accounts at the Credit Union and other financial institutions
  • View current account balances and account history
  • Make Credit Union loan, mortgage, and VISA® payments
  • Pay bills electronically with FREE Bill Pay
  • Transfer funds from your account to another member's primary Credit Union account
  • Open a new account, apply for a loan, or VISA® credit card
  • Order personal checks (printing fee may apply)
  • Perform stop payment on checks (service fee applies)
  • Access financial planning tools
  • Send secure e-mail to Credit Union representatives
  • Submit a change of address request

Review our Online Banking Agreement

Register Now


 

StatementRewards

StatementRewards is a free feature that automatically and seamlessly presents you with money-saving opportunities directly within your online banking sessions based on your purchasing activity and shopping preferences. The more you use your AEFCU Debit Card and AEFCU Bill Pay, the more offers you will receive.

Purchase Rewards provide deals and discounts at dozens of your favorite local and national retailers such as department stores, restaurants, and specialty stores. Bill Analyzer Rewards help you to find money-saving offers on monthly expenses such as your cell phone bill, television service, and gas fill-ups.

Private and Secure
Statement Rewards is 100% private and secure. StatementRewards never uses any of your personally identifiable information; it only analyzes basic transaction data to match and present rewards. All information is completely anonymous and encrypted for your security.

Opt-out or Opt-in Anytime
If you prefer not to receive StatementRewards, you can easily opt-out of this service as follows:

  1. Log into your online banking account.
  2. Select the Account Activity page.
  3. Select the small StatementRewards logo (sample at right).
  4. Select Settings at the top of the StatementRewards dashboard screen.
  5. Select Turn StatementRewards off.
  6. Select Save settings at the bottom of the screen.

If you choose to get StatementRewards later, repeat these instructions and in step #5 select Turn StatementRewards on.

STATEMENT REWARDS FREQUENTLY ASKED QUESTIONS

Bill Payment Service

Bill pay is a free online service to members with an American Eagle FCU Checking account. Pay your bills anytime, and from anywhere, you have Internet access. It’s fast, easy to use, and secure. It's a great way to manage your payments. Here’s how to get started.

  1. Login to online banking.
  2. If you don’t use online banking, click on "New Users Click Here" and follow the instructions.
  3. Click on the "Bill Pay" button on the top navigation bar to register.
  4. Set up one or more Payees and start paying your bills online.

To learn more about our new Bill Pay service, watch our informative video demonstration.

Once you are registered, you can add and delete Payees and have complete flexibility to pay your bills with a few clicks of a mouse. Make one-time payments, future-dated payments, or set up reoccurring payments. The funds are deducted directly from your American Eagle FCU Checking account. You’ll wonder why you didn’t start using Bill Pay sooner.

FAQs

How does our Bill Pay work?

To pay your bills online, simply add the companies and people you want to pay. We use this information to make the payments for your bills. After you add your bills, you can go to the Payment Center. The Pay Bills section lists all of the bills you've added. To pay a bill, enter a payment amount and the date when you want the company or person to receive your payment. You can also select this date from the calendar. Pay as many bills as you want at the same time from the Payment Center. After you pay a bill, it may move to either the Pending Payments section or the Recent Payments section of the Payment Center.

  • Pending Payments: Provide a quick summary of the payments that have not yet been processed.
  • Recent Payments: Provide a list of bills that have been paid in the past 45 days.

You can also find a list of the pending and recent payments for a particular biller in the Payment Assistant. If you can't find a payment in the Recent Payments section, go to Bill History, which shows all of the bills you paid in the past 12 months, including electronic bills and the bills that you pay automatically.

Can I use assistive technology for access?

Yes, we've incorporated several enhancements based on priorities one and two of the World Wide Web Consortium's Web Content Accessibility Guidelines. These enhancements aim to make our bill pay solution more accessible to assistive technology users.

The following features may help you navigate more easily:

  • Skip to Main Content Links—These links allow you to skip the page banner and the redundant navigation links and go directly to the main page content.
  • Link Titles—If a link opens a new window, you are alerted in the link title. Most of the links have descriptive labels, but we provide additional information in the link title if necessary. For this reason, we recommend that you set your screen reader to read the link title attributes.
  • Table Summaries—Whenever information is presented in a table format, we provide a brief description of the contents.
  • Font Sizes—The fonts can be resized without significantly changing the layout of a page.

How secure is my bill payment and personal information?

We use several methods to ensure that your information is secure.

  • SSL—Secure Sockets Layer ensures that your connection and information are secure from outside inspection.
  • Encryption—128-bit encryption makes your information unreadable as it passes over the Internet.
  • Automatic Sign Out—Automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). It is best if you sign out immediately after you finish your tasks.

Which browsers should I use?

For best performance, we recommend you use one of the following supported browsers:

  • Microsoft Internet Explorer 9, 10 or 11 (Windows 8, Windows Vista, and Windows 7)
  • Firefox 47 or higher (Windows 8, Windows Vista, and Windows 7)
  • Apple Safari 7, 8 or 9 (OS X 10.8)
  • Chrome 51 or higher (Windows 8, Windows Vista, and Windows 7)

While other browsers may work, these supported browsers provide the highest level of security, accuracy, and functionality. We also recommend that you enable JavaScript in your browser. JavaScript is required for certain features to function properly

How do I check what version browser I have?

Internet Explorer

  • Select the gear icon at the top right of the browser window, and select About Internet Explorer to view the version number.
  • You can also click Help in the menu bar and select About Internet Explorer in the menu.

Chrome

  • Select the Customize and Control Google Chrome Menu icon near the top right corner of the Chrome window (just below the X button that closes the window). In older versions of Chrome, select About Google Chrome in the menu. In newer versions of Chrome, select Help, then select About Google Chrome to view your version.

Safari

  • Select Safari, in the menu bar at the top, then click on the About Safari in the drop-down menu. In the About Safari window, the first number listed is the Safari version number.

Firefox

  • Select the Open menu icon, at the top right click the question mark icon at the bottom of the menu, then select About Firefox.
  • You can also click Help in the menu bar and select About Firefox in the menu.

POPMONEY® - SEND MONEY TO FRIENDS AND FAMILY

Popmoney is an innovative personal payment service that eliminates the hassles of checks and cash. Popmoney allows you to send and receive money as easily as you send and receive e-mail and text messages. Best of all, you don't need a separate account. Just use your current American Eagle FCU checking or savings account.

With Popmoney, you can send and receive money using Online Banking. It's just that easy!

To learn more about Popmoney, watch our informative video demonstration.

FAQs

Do I pay a fee if my request is not paid?

No fee will be charged if the request is not paid. 

Do payments expire?

Yes. The recipient has 10 days from the date of the payment notification to provide checking or savings account information. After 10 days, if the funds have not been accepted, the payment expires and the funds are returned to the sender.

How do you receive money?

To recieve money:

  • You will receive an email or text message telling you someone sent you money.
  • Log in to your financial institution's online banking site and direct the funds to your bank account.
  • Money sent to a specified bank account will be automatically deposited there.

How do you send money?

To send money, log in to your account by accessing your financial institution's online banking site and look for Popmoney.

  • Send money using the recipient's name and email address, mobile number or checking/savings account information. You can even make it special by using one of our eGreetings.
  • You will be notified when the transaction is completed.
  • If your recipient's financial institution is part of the Popmoney network, they can complete the transaction from their own financial institution's online banking site. If not, they can go to Popmoney.com to pick up the funds and direct the funds to their bank account.

How will the recipient know I sent money using Popmoney?

The recipient will receive a payment notification either by email or a text message depending on how you chose to send the money. Email address: The recipient will receive an email with instructions on how to direct the payment into their checking or savings account. Mobile number: The recipient will receive a text message with instructions on how to direct the payment into their checking or savings account. If the recipient doesn't act in 3 days, they will receive a text message reminder to act on the payment notification. Message and Data charges from your telecommunications provider may apply. Bank account information (routing and account number): The money will be deposited into the recipient's bank account. You may choose to notify the recipient by sending an email message.

Is the Popmoney service secure?

Yes. Popmoney was created with your financial security in mind. Popmoney is built on the industry's leading online money movement platform and utilizes superior risk management and fraud protection services. This is the same online money movement platform used by thousands of financial institutions, including many of the nation's top banks.

What are the different ways I can request money from someone?

You can request money from someone using their: Name and email address: your contact will receive an email with instructions on how to pay the request Name and mobile number: a text message will be sent to the recipient on your behalf with instructions on how to pay the request.

What type of accounts can I use to send the payment to?

Payment can be directed to a checking, savings, or money market account held at a U.S. financial institution.

When will funds be available in my account?

Your funds will be available as early as one business day from the date that you provide your Eligible Transaction Account information. You will receive a confirmation email when the credit is sent to your bank account with the date the funds will be in your account. Please check your financial institution's policy on fund availability.

When will I receive the funds I request?

The person you requested money from has to sign up with Popmoney, if not registered already. Once he/she has signed up successfully and pays against the request, you should receive the payment within three business days. The payment will be deposited into the Eligible Transaction Account you selected when sending the request

When will the funds be available in the recipient's account?

Funds may be available in the recipient's checking or savings account as early as one business day from the date they accept the funds. The recipient will receive a confirmation email with the date the funds will be in their account.

About Identity Verification

In order to protect your money and sensitive information, Online Banking will occasionally require you to verify your identity in order to complete a transaction or make a change to your account. This will not be required everytime you use Online Banking and will never happen more than once per session. If you are asked to verify your identity, you may choose one of the three following methods:

  1. Receive a text. You can have a text message sent to your mobile phone with a confirmation code. Enter that code into your computer or mobile device to complete your transaction.

  2. Receive an automated call. You can receive an automated call to any of the phone numbers we have on file. Follow the prompts to enter the code shown on your computer screen or mobile device to complete your transaction.

  3. Answer questions. You will be asked a series of questions, from public records, to which only you should know the answers. Once you have answered the questions correctly, your transaction will be completed.

To ensure that options 1 and 2 are available to you, please verify and update your phone numbers in online banking. To update your phone numbers, go to the Member Services tab in Online Banking and click on Change Address.

This new level of security will not replace the challenge questions (see Advanced Authentication)that you selected when you enrolled in Online Banking. You will continue to be challenged when logging into Online Banking from a public computer or any computer that you have not logged in from previously. 

 
About Advanced Authentication

Online Banking's Advanced Authentication feature is an easy way to help prevent fraud and identity theft. It consists of three parts: An image, a phrase, and four confidential challenge questions. All three parts help protect you, whether you log in to online banking at your own computer, or somewhere else.

At American Eagle Financial Credit Union, we have always been committed to the security of our online members and are excited about offering this new security feature to improve our already secure online banking service. On November 28, 2007, we introduced Advanced Authentication, which takes extra measures to verify the identity of our members when accessing their account information through online banking.

In addition to using your Member Information Number and password, you are now required to perform a one-time registration of our new Advanced Authentication.

Registration is quick and easy.

  1. Log in to online banking (using your existing Member Information Number and password). A variety of images will be presented to you.
  2. Select an image and create a phrase. This same image and phrase will appear each time you log in, ensuring that you are visiting the correct, authentic online banking site.
  3. Provide answers to four selected questions. These questions will be presented to you if you attempt to log in using a computer other than the one used for registration. In the event your Member Information Number and password are stolen or compromised, this feature prevents unauthorized access to your accounts.
  4. Identify the computer you are using as your private personal computer. Each time you log in to online banking from that computer, it will be recognized as a safe computer.

After Advanced Authentication Registration

  • Once Advanced Authentication has been set up, each time you log in with the correct Member Information Number, your selected image and phrase will appear.
  • After you verify that the image is the one you've chosen, you will type in your password.
  • If you are using a computer different from the one used during registration, one of the selected questions will appear after you enter your Member Information Number.
  • Once the question is answered correctly, you will enter your password and be allowed access.

Tips to Avoid Identity Theft

  • Sign up for electronic statements to help prevent mail fraud.
  • Review your account activity regularly to detect fraud earlier.
  • Sign up for Online Banking and e-Statements.
  • After signing up for Online Banking, sign up for Online Bill Pay to help prevent mail fraud.
  • Shred any documents with personal information before discarding.
  • Use secure passwords that contain a mix of upper-case and lower-case letters, numbers, and special characters like #, $, or *.
  • NEVER share your personal information with anybody who contacts you by telephone or e-mail.

Other Prevention Tips

  • Protect your password.
  • Ensure your operating system includes firewall protection.
  • Install, run, and maintain updated anti-virus and anti-spyware software.
  • Ensure that all Web sites used for accessing account information or shopping are secure.
  • Avoid downloading programs from unknown sources.
  • Log off completely and close your browser after logging off.
  • Avoid replying to any e-mails requesting personal information; never include personal information in an e-mail sent through an unsecured environment.