External Funds Transfer FAQs
HowdoIsignupfortheExternalFundsTransferservice?
Thesign-upprocessforthisserviceisquitesimple.
1. Completeashortonlineregistration.
2. Youwillbenotifiedbyemailofthestatusofyouronlineregistration.Theemailwillalsocontain
simpleinstructionsforyournextsteps.
Howlongdoesthesign-upprocessfortheExternalFundsTransfertake?
•
•
InitialregistrationandAssociatedCreditUnionaccountsverification:Foryoursecurity,
AssociatedCreditUnionwillverifythepersonalinformationyouenteredintheonline
registration.Thisistoensurethattherequestfortheserviceactuallycamefromyou.
Youwillbenotifiedbyemailofthestatusofyourapplication.Ifyouhaveanyquestions,youcan
contactAssociatedCreditUnionCustomerServicebysendingasecureemailviaonlinebanking,
orbycalling770-448-8200,Ext.2402.
Accountverification:Youwillberequiredtoverifyyouraccountsthatdonotresideat
AssociatedCreditUnion.Formostmajorbanks,creditunionsandbrokerages,wecancomplete
onlineconfirmationofindividualaccountsforwhichyouhaveInternetaccess,inlessthana
minute.Forotheraccounts,wewillaskyoutocompleteatrialdepositverification,which
generallycompletesin1-2businessdays.Foramoredetaileddescriptionofaccountverification
procedures,lookunderAccountOwnershipVerificationwithintheFAQs.
WhydoIhavetoverifymyexternalaccounts?
Wedoeverythingpossibletoensureyoursecurityandmaintaintheintegrityofthepaymentsnetwork.
Theaccountverificationproceduresaresafeguardsthathelpusmakesurethatonlyyoucanadd
accountstothisservice.
CanImakechangestomyaccountportfolioaftertheinitialset-up?
Absolutely!YoucaneasilyaddordeleteaccountsheldatotherFinancialInstitutionsfromtheSettings
page.
HowoftenwillIhavetogothroughtheaccountverificationprocess?
Foryourprotection,wewillaskyoutocompletetheindividualaccountverificationprocessforeach
accountyouwishtoaddfromanotherFinancialInstitution.
WhichaccountsareeligiblefortheExternalFundsTransferservice?
Atthistime,youcanaddthefollowingaccountstoyourTransferFundsPortfolio:
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Checkingaccountsandsavingsaccountsheldatanycommercialbankorcreditunionnationwide
thatareabletoacceptACHtransfers.Contactyourinstitutionifyou’renotsure.
• Investmentaccountsheldatonlinebrokeragefirms.Wecurrentlyhaveaccesstomostofthe
nation’slargestbrokeragecompanies.
PleasenotethataccountsheldatAssociatedCreditUnionwillbeauto-enabledforthisservice.Allyour
otherexternalaccountswillrequireyoutocompleteoursimpleaccountownershipverificationprocess.
WhichaccounttypesarenoteligiblefortheExternalFundsTransferservice?
ThefollowingaccountsarenoteligiblefortheAssociatedCreditUnionExternalFundsTransferService:
• IndividualRetirementAccounts(IRAs)
• Custodialand/orTrustAccounts
• BusinessAccounts
• CertificateofDeposits(CDs)orothertime-basedaccounts
• LoanAccounts(includingcreditcardandequityaccounts)
Youmayhaveotheraccountsthatareineligibleforthisserviceduetorestrictionsspecifictoyour
financialinstitution(s).Ifindoubt,pleasecontactAssociatedCreditUnion.
I’mnotnewtothisservice.HowdoIaddaccountstomypreviouslyestablishedportfolio?
Theprocessforaddingnewaccountstoapreviouslyestablishedportfolioandforaddingaccountstoa
brandnewportfolioareexactlythesame.Youcanfollowthestep-by-stepexplanationsbelowifneeded.
HowdoIgetstartedaddingaccountstomyAccountsPortfolio?
Togetstarted,clickAddaNewAccountfromtheExternalFundsTransferpage,ortheSettingspage.
Followtheonlineinstructions.Youwillneedtoalsoselecttheaccounttypeandentertheappropriate
RoutingNumberandAccountNumber(SeebelowforinformationaboutABARouting/Transitnumbers,
includingwhattheyareandhowtofindyours.)
•
Inmanycases,wewillbeabletoverifytheaccountwiththeinstitutionautomaticallythroughouronline
accountverificationprocess.Forotheraccounts,justfollowthetrialdepositsverificationsteps.
WhatisanABAroutingnumber?
TheABAroutingnumberisanidentificationnumberassignedtoeachfinancialinstitutionandeach
branchoffice.Itisusuallya9-digitnumberfoundatthebottomofacheckordepositslip.
HowdoIidentifytheABARoutingNumberfortheaccount?
Takealookatyourcheck.Youwillseeaprintedrowofnumbers,usuallyatthebottomofthecheck.The
ABARoutingNumberisthenine-digitsequencethatappearsbetweenthe symbols.
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HowdoIfindtheaccountnumber?
Youcanfindyouraccountnumberonanaccountstatement,oronacheck,inthatsamerowofnumbers
whereyoufindyour9-digitABARouting/Transitnumber.Youraccountnumberappearsonyourcheck
betweenthe symbols.
HowdoIverifyaccountsIowntomyaccountportfolio?
• OnlineAccountVerification:Wecanoftenverifythenewaccountwiththeinstitution
immediatelyviatheInternet.Todoso,wewillaskyoutosupplythelogincredentials
youusetogainaccesstotheaccountthatyouareattemptingtoadd.
• TrialDepositVerification:Ifonlineaccountverificationisnotavailable,orifitfails,you
willbeaskedtocompleteourconvenientTrialDepositVerificationprocess.Seebelow
fordetailsregardingonlineandofflineaccountverification.
Onceyouhavesuppliedalltherequestedinformationforverification,clickContinue.
• IfyousuccessfullycompletedOnlineVerification,youwillbetakentoapageconfirming
thattheaccountisreadytobeusedwiththeExternalFundsTransferservice.The
accountwillalsobelistedundertheSettingspageasActive.
• IfTrialDepositVerificationisrequired,youwillbetakentoapagewhereyouwill
initiatetheTrialDepositprocess.TheaccountwillalsobelistedundertheSettingspage
butitwillnotbeabletobeusedwiththisserviceuntilyouhavecompletedtheTrial
Depositprocess(seealaterFAQonhowtodoso).
Addingadditionalaccounts
Toaddadditionalbankaccounts,repeatthestepsabove.
Toaddinvestmentaccounts,seebelow.
WhatisthedefinitionofaninvestmentaccountforthepurposesoftheExternalFundsTransfer
Service?
Aninvestmentaccountisthecashaccount(usuallyamoneymarketaccount)thatyouholdatyour
brokerage.Thisiswhereyourbrokerageholdsthefundsyouusetomakestock,mutualfundandother
investmentpurchases,andwherethebrokeragedepositstheproceedsfromsalesyouexecute.
WhichbrokeragesareaccessibleforExternalFundsTransfer?
TheTransferFundsServiceallowsyoutoaddinvestmentaccountsfromanyofouraffiliatedonline
brokeragefirms.Weofferaccesstomostofthenation'sprominentbrokeragefirms.Whenaddinga
brokerageaccount,thesupportedbrokeragefirmswillbedisplayed.
HowdoIaddinvestmentaccountstomyAccountsPortfolio?
ClickAddaNewAccountontheTransferFundsorSettingspage.SelecttheAccountTypeofBrokerage.
1. Selectabrokerage
ClickonthenameofyourbrokeragefirmfromtheAvailableBrokeragesfirmlist.
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2. Enteraccountinformation
Youwillbetakentoascreenaskingfortheinformationweneedtoverifytheaccountatyour
brokeragefirm.Dependingonyourparticularbrokeragefirm,youmaybeaskedwhetherornot
youhavecheck-writingcapabilitiesforyouraccount.Ifyouraccountincludescheck-writing
privileges,youwillbeaskedfortheABARoutingNumberthatappearsonyourcheck.
TrialDepositVerification:IfOnlineAccountVerificationisnotpossible,youwillbeaskedto
completeourconvenientTrialDepositVerificationprocess.Seebelowfordetailsregarding
onlineandofflineaccountverification.
• IfyousuccessfullycompletedOnlineVerification,youwillbetakentoapageconfirmingthat
thebrokerageaccountisreadytobeusedwiththeExternalFundsTransferService.The
brokerageaccountwillalsobelistedasactiveontheSettingspage.
• IfTrialDepositVerificationisrequired,youwillbetakentoapagewhereyouwillinitiatethe
TrialDepositprocess.ThebrokerageaccountwillalsobelistedontheSettingspagewitha
statusindicatedtheaccountneedstobeverified.Untilthebrokerageaccountisverified,it
willnotbeavailabletobeusedintheTransferFundsService.
3. Addingadditionalaccounts
Toaddadditionalaccounts,simplyrepeattheaboveprocess.
Whatifmybrokeragedoesn’tappearontheAvailableBrokerageslist?
Unfortunately,ifyoudon’tseeyourbrokeragefirminthislist,youwon’tbeabletoaddaccountsheldat
thatbrokeragefirmtoyourExternalFundsTransferPortfolio.
HowcanIgetmyexternalaccountsverifiedusingTrialDepositVerification?
Ifforanyreason,youraccountcannotbeverifiedusingtheonlineverificationmethod,youwillbe
automaticallydirectedtoinitiatetheTrialDepositprocess.Onreceivingyourinstruction,Associated
CreditUnionwillmaketwodepositsintotheaccountyouareattemptingtoadd.1-2businessdayslater,
youwillbeabletoconfirmtheamountofthedeposits.
Onceyouknowtheamountofthedepositssenttotheaccountyouareadding,byeithercallingyour
financialinstitutionorfromyouronlineaccountstatement,justreturntotheExternalFundsTransfer
service,gototheTransferFundsorSettingspageandclickontheVerifylinknexttotheappropriate
account.Youwillthenbepromptedtoentertheamountsofthetwodeposits.Iftheamountsentered
arecorrect,yourexternalaccountwillbeaddedtotheservice.Theaccountstatuswillnowshowas
"Active"ontheSettingspage.
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HowdoIfindouttheamountofTrialDepositsmadetogetmyaccountverified?
TheTrialDeposittransactionscanbeidentifiedas“ACUFUNDSMOVER”inyouraccountstatement.You
canfindouttheamountofdepositswemadeinanumberofways:
• Callingyourfinancialinstitution
• Reviewingtheaccountstatementavailableonlineonyourfinancialinstitutionwebsite
• Reviewingyourmonthlystatement
(Customershave30daystoverifytrialdeposits.After30days,thetrialdepositsexpireandcannotbe
verified.)
HowlongdoesittaketogetmyaccountsverifiedusingTrialDepositVerification?
TheTrialDeposittransaction(s)aregenerallyavailable1-2businessdaysafterthedayyouinitiatedthe
trialdepositprocess.
WhatdoIdoiftheTrialDeposit(s)madetomyaccountfails?
IftheTrialDepositsdonotdepositsuccessfullytotheaccountyouareattemptingtoadd,youwillbe
notifiedbyemail.
Also,whenyouviewthisaccountontheSettingspage,thestatuswillshowas"NotVerified".
Ifthisoccurs,wesuggestthatyoudoublechecktheaccountdetailsentered.Ifincorrect,deleteandadd
theaccountagainwiththecorrectaccountdetails.
HowcanItellwhichaccountsstillhavetobeverifiedwithmyinstitutions?
AllaccountsstillpendingverificationwillappearontheSettingspagewithastatusof"Verify".Weask
youtohelpuscompletetheverificationoftheseaccountsbycompletingthesimpleverificationprocess
youselected.
HowdoestheExternalFundsTransferservicework?
AssociatedCreditUnionprocessesfundsviatheAutomatedClearingHouse(ACH)securenetwork.
CanItransferfundstomyexternalloanaccounts?
No,sinceyoucannotaddexternalloanaccountstothisservice,youcannottransferfundstothese
accounts.
CanIsetupanExternalFundstransfernowtobeexecutedatafuturedate?
Yes,youmayscheduleafundstransferuptoayearinadvance.
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CanIsetupanExternalFundsTransferasarecurringtransaction?
Yes,youmaysetuparecurringtransfer.Theserviceprovidesavarietyoftimeoptionstomeetyour
needs.
CanIusethisservicetotransfermoneybetweenaccountsatthesamefinancialinstitution?
No.
CanItransfermoneyinternationally?
No,theExternalFundsTransferservicedoesnotprovidetheabilitytotransferfundsinternationally.
HowdoIusetheExternalFundsTransferservice?
YoucanusethisservicetotransferfundsfromoneofyourAssociatedCreditUnionaccountstoanother
accountheldatyourotherfinancialinstitution,orviceversa.
Whycan’tImovemyfundsbetweenmyaccountsheldatotherfinancialinstitutionsusingthis
service?
ThisservicefacilitatesmovementoffundsonlybetweenyouraccountsheldatAssociatedCreditUnion
andyouraccountsheldatotherfinancialinstitutions.
Itdoesnotsupportmovementoffundsbetweenyouraccountsheldatotherfinancialinstitutions.
WhatisaOne-Timetransfer?
Thisisatransferyousetupthatoccursonlyonce.
WhatisaRecurringtransfer?
Thisisatransferyousetupthatre-occursbasedonthefrequencyanddurationyouspecify.
WhatareDeliverySpeeds?
ThedeliveryspeedswhichareavailabletoyoucanbefoundontheTransferFundspage.Onceyou
selectanaccountintheFromfield,theDeliverySpeedsavailableforthataccountwillbepresented.
NexttotheDeliverySpeed(s),thedatebywhichthetransferwillbecompleted,alongwithanyfees
associatedwiththatDeliverySpeed,willalsobepresented.
WhatisaScheduledTransfer?
AScheduledtransferisastandardfundstransferthatyourequesttooccurinthefuture.
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HowdoIsetupaOne-timefundstransferbetweenaccounts?
1. JustclicktheTransferFundstabonthepage.YouwillseeaFromandTodropdowndisplaybox.
2. Simplyentertheamountyouwanttotransfer,selecttheFromandToaccountsandclick
Continue.
3. OntheReviewTransferpagecheckthedetailsofyourTransferFundsrequest.
4. Ifyouneedtochangesomething,clickEdit.
5. Ifeverythingiscorrect,clickConfirm.
TheTransferConfirmedpagewilldisplayallthedetailsofthetransfer.Ifyouwish,youcanclickthePrint
icontodisplayaconfirmationpageformattedforprinting.ThetransferwillalsoappearontheActivity
page,whichoffersadetailedviewofalltransfers.
HowdoIsetupRecurringTransfersbetweenaccounts?
1. JustclicktheTransferFundstabonthepage.YouwillseeaFromandTodropdowndisplaybox.
2. Simplyentertheamountyouwanttotransfer,selecttheFromandToaccountsandselectthe
MakeRecurringoption.
3. IntheRecurringsectionyouwillenterthefrequency,firstsend-ondate,thenumberoftransfers
fortheRecurringTransferandclickContinue.
4. OntheReviewTransferpage,checkthedetailsofyourTransferFundsrequest.
5. Ifyouneedtochangesomething,clickEdit.
6. Ifeverythingiscorrect,clickConfirm.
TheTransferConfirmedpagewilldisplayallthedetailsofthetransfer.Ifyouwish,youcanclickthePrint
icontodisplayaconfirmationpageformattedforprinting.ThetransferwillalsoappearontheActivity
page,whichoffersadetailedviewofalltransfers.
WhatrecurringfrequenciesaresupportedbytheExternalFundsTransferservice?
ThefollowingisalistoffrequenciesyoucanselectfromwhensettingupaRecurringTransfer.
Onceeverymonth
Everymonthonthesamedateselectedforthefirstsend-ondate.
Every15days
Onthesamedateasthefirsttransferplus15days.(i.e.:Ifthefirsttransfer
send-ondateis4/5,thenexttransferdateswillbe4/20,5/5,and5/20.
Everyweek
Everyweekonthesamedayoftheweekselectedforthefirsttransfer.
Every2weeks
Everyotherweekonthesamedayoftheweekselectedforthefirsttransfer.
Every4weeks
Every28daysfromtheprevioustransfersendondate,startingwiththefirst
send-ondate.
Every2months
Everyothermonthonthesamesend-ondateasthefirsttransfer.
Every3months
Everythreemonthsonthesamesend-ondateasthefirsttransfer.
Every6months
Everysixmonthsonthesamesend-ondateasthefirsttransfer.
Everyyear
Onceayearonthesamesendondateasthefirsttransfer.
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Whydon’tallofmyaccountsI’veaddedappearonmyTransferFundspage?
AnaccountcanonlybeenabledforExternalFundsTransferafterithasbeenverifiedwiththefinancial
institution.ChecktheSettingspage.Ifverificationoftheaccountisstillpending,orifyouhavenot
beguntheverificationprocess,youwillseetheaccountdoesnothavean"Active"status.
Whentheverificationprocesshasbeencompleted,theaccountwillautomaticallyappearonthe
TransferFundspage.
PleaseseeaboveformoredetailsaboutAccountVerification,orcontactAssociatedCreditUnion
CustomerServicebysendingasecureemailviaonlinebanking,orat770-448-8200,Ext.2402.
HowmuchmoneycanItransferpertransactionandperrolling30-dayperiod?
For your protection, transaction limits have been applied on the dollar amount and the number of
paymentsthatcanbesentduringvarioustimeperiods.PleaseclicktheiconnexttotheAmountsfieldto
viewyouravailablelimits.
Doaccounttransactionlimitsand/orfeesassignedbymyfinancialinstitutionapplytoExternalFunds
Transferservice?
Yes.Inallcases,limitsandconditionsplacedonaccounttransactionsbyAssociatedCreditUnionapply
totransfersexecutedthroughExternalFundsTransfer.Pleasenotethatyourexternalaccountfinancial
institutionmaychargefees.Werecommendthatyoucontactyourexternalaccountfinancialinstitution
todeterminewhetherrestrictionsand/orconditions,includingfees,pertaintotransactionsmadeinto
oroutofanyofyouraccounts.
Howarefundsavailablecalculatedundertherolling30-dayPeriodTransferLimit?
Whenanewtransferisattempted,arolling30-dayperiodisusedtocalculatefundsavailablefor
transfer.Alltransfersmadewithinthelast30daysaresubtractedfromthe30-dayPeriodTransferLimit
todeterminethefundsavailable.
ArethereanyfeesforusingtheExternalFundsTransferservice?
TolearnmoreaboutthechargesapplicabletotheExternalFundsTransferservice,gototheTransfer
FundspageandselecttheFromandToaccountsaswellasthedeliveryspeed.Nexttothedelivery
speedclickontheinformationicontoseewhatfees,ifany,areapplicable.
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CanIcancelanExternalFundsTransferrequest?
YoucancancelaStandardtransfer.However,becausestandardtransfersarereleasedforprocessing
periodicallythroughouttheday,thetimeframewithinwhichyoucancancelthetransferwillvary.
• YoucancancelaOne-timeNextDaytransferrequestany-timebeforethecut-offtime.
• AOne-timeScheduledtransferrequestcanbecanceledany-timebeforethetransfer’ssend
date.
• AnindividualRecurringtransfercanbecancelled,ascanallremainingRecurringtransfers.
OnceatransferrequesthasbeentransmittedtoACH,youcannotcancelthetransfer.Ifyourtransaction
isinprocess,youmayexecuteanothertransfertomovethefundsback.Thisisconsideredanother
transactionsopleasebeawarefeesmaybecharged.SeetheFAQsaboveformoreinformation.
HowdoIcancelaOne-TimeStandard,NextDayorScheduledExternalFundsTransferrequest?
ItissimpletocancelaOne-timeStandard,NextDay,orScheduledtransfer.Justlocatethetransferon
theActivitypage,clicktheappropriatetransfertoshowtheoptionsavailable,andthenclicktheCancel
button.Thenfollowthesimpleinstructions.
HowdoIcancelaRecurringTransfer?
TocancelaRecurringTransfer,justlocatetherecurringtransferontheActivitypage,clickthe
appropriatetransfertoshowtheoptionsavailable,andthenclicktheCancelbutton.Thenfollowthe
simpleinstructions.
CanIeditanExternalFundsTransferrequest?
• YoucannoteditaOne-TimeNextDayorStandardtransferrequest.
• YoucanedittheamountofaOne-TimeScheduledtransferrequestanytimebeforethe
transfer'ssenddate.
• AnIndividualRecurringTransfercanalsobeedited.Youcanalsoeditallremainingtransfers
undertheRecurringTransfer.
HowdoIeditaOne-TimeScheduledExternalFundsTransferrequest?
ItissimpletoeditaOne-timeScheduledtransfer.JustclickontheEditlinknexttothetransferonthe
Activitypageandfollowthesimpleinstructions.
CanIdecreasethenumberofremainingtransfersinaRecurringTransfer?
No.Youcanonlyedittheamountandfrequency.Todecreasethenumberoftransfersyoushouldcancel
theremainingrecurringtransfersandcreateanewRecurringTransfer.
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HowwillIknowwhenatransferiscomplete?
Emailswillbesenttoyouconfirmingthestatusofeachtransfer.
TheActivitypagealsoprovidesanup-to-datereportonyourExternalFundsTransferrequestoverthe
past180days.Eachtransferrequestisdisplayedalongwiththedateandstatusofthetransfer.
Youshouldalsobeabletoconfirmthecompletionofthetransferwithyourfinancialinstitutionafter
scheduledcompletionofyourrequest.
Underwhatcircumstanceswillanattemptedfundstransferbeunsuccessful?
Afundstransferwillbereturnedifitcannotbesuccessfullypostedtoyouraccount.Themostcommon
reasonsforfailedorreturnedfundstransfersare:
• Lackofsufficientfundsinthesourceaccount
• Exceedingthedollarlimitforanindividualtransaction,totaltransactionsconductedinthelast
30days,oroutstandingtransfers(transfersthatyouhaveinitiatedbutwhichhavenotyet
completed)
Youwillbenotifiedbye-mailifwereceivea"Return"messageonyourtransactionindicatingthatthe
transferhasnotcompleted.FulldetailswillbeavailableontheActivitypage.
HowlongdoesittaketocompleteanExternalFundstransfer?
BelowistheFundsTransferschedule:
StandardDelivery(3BusinessDays)
Requestedbycutofftimeon:Destinationaccountcreditedon:
Monday
Thursday
Tuesday
Friday
Wednesday
Monday
Thursday
Tuesday
Friday
Wednesday
Saturday
Wednesday
Sunday
Wednesday
NextDayDelivery(NextBusinessDay)
Requestedbycutofftimeon:Destinationaccountcreditedon:*
Monday
Tuesday
Tuesday
Wednesday
Wednesday
Thursday
Thursday
Friday
Friday
Monday
Saturday
Tuesday
Sunday
Tuesday
*Basedonthereceivingbank’sAvailabilityofFundsscheduled.
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HowcanIcheckonthestatusofmyScheduledorRecurringExternalFundsTransfer?
YoucangototheActivitypagetoviewthedetailsoffuturescheduledtransfer.Thepageshows:
• Thetransferreferencenumber
• Thetransfersenddate
• Theoriginaccount(TransferFunds"from")anddestinationaccount(TransferFunds"to")ofthe
transfer
• Thedollaramountofthetransfer
• Thestatusofthetransfer
Whatdothedifferentstatusdesignationsmean?
• Pending:Wehavenotyetreceivedconfirmationofasuccessfultransfer.Youmayseean
indicationofthetransferintheaccountbalanceofthesourceaccountbutnotinthedestination
accountofyourfundstransfer.
• Complete:Thetransferisconfirmed.Thetransferwillbereflectedinyouraccountbalanceswith
yourinstitutionsasawithdrawalfromyoursourceaccountandadeposittoyourdestination
account.Itisagoodideatoverifythetransferwithyourfinancialinstitutions.
• Rejected:Wewereunabletoremovethefundsfromthesourceaccountorplacethefundsin
yourdestinationaccount.Atypicalcauseoffailedorreturnedfundstransfersis:lackof
sufficientfundsinthesourceaccount.Ifwereceiveareturnduetonon-sufficientfunds(NSF)in
thesourceaccount,wewillautomaticallytrythetransactionasecondtime.Afundstransferwill
bedesignatedunsuccessfulonlyafterasecondNSFreturn.
• Youwillbenotifiedbyemailifwereceiveareturnnoticeonyourtransactionindicatingthe
transfercannotbecompleted.
• Complete(Return):Occasionally,wewillreceiveareturnfromtheACHsystemindicatinga
problemwiththetransactionafterthenormalbusiness-daywaitingperiod.Thisdesignation
indicatesthatwereceivedthereturnnoticeafterhavingalreadydesignatedthefundstransfer
asComplete.
Itispossiblethatyouwillseearecordofthedebitontheaccountstatementofyoursourceaccount.If
thisdoesoccur,thefundswillautomaticallybereturnedtothataccount,appearingasacreditonyour
accountstatement.
HowcanIgetfurtherdetailsabouttransactionsthatdonotgothrough?
Ifatransactionisunsuccessful,thedesignation“Rejected”willappearintheStatuscolumnofthe
Activitypageasahyperlink.Clickonthislinktoreceivefulldetailsaboutthetransactionandthe
situationthatwasencountered.
HowcanIcheckonthestatusofaRecurringTransfer?
YoucangototheActivitypagetoviewthedetailsofaRecurringTransfer.Findthetransferwiththe
recurringsymbolandexpandthesectiontoseetransferdetails.Thiswilldisplay:
• ThereferencenumberfortheRecurringTransfer
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•
•
•
•
Theoriginaccount(TransferFundsfrom)anddestinationaccount(TransferFundsto)ofeach
transfer
ThedollaramountoftheRecurringTransfer
Frequencyofeachtransfer
Remainingtransfers
WhatdothedifferentstatusdesignationsforRecurringTransfersmean?
• Pending:ThereareRecurringTransfersremaining.
• Complete:AlltheRecurringTransfershavebeenexecuted.
• Cancelled:UserhascancelledtheRecurringTransfers.
HowdoesAssociatedCreditUnionprotectmysecurityandprivacy?
Wearecommittedtomaintainingtheprivacy,securityandintegrityofthefinancialandpersonal
informationyousharewithus,andtakeeveryprecautiontodoso.Wehavedesignedmultiplelevelsof
securitytoensuretheprotectionofyourinformationfromloss,theft,andunauthorizedaccess,
modification,ordisclosure.Wemakesurethatoursecuritymeasuresconformtoallapplicablefederal,
state,andlocallaws.
Sensitiveinformation,includingbankaccountnumbersandtheaccountverificationdate,isencrypted
withstate-of-the-artencryptionsoftware.Forexample,weuse128-bitSSLencryptionwhen
communicatingdataovertheACHnetwork.Forafulldescriptionofthecarewetakeinthisarea,please
seeourfull-lengthSecurityPolicy.
Ourproceduresalsoincludeextensivein-houseprivacymeasures.Weplaceyourpersonalandfinancial
informationonasecureportionofourWebsite.Youruserloginname,password,andallverification
informationpertainingtoyourindividualaccounts,alwaysremainencrypted.Neitheroursoftware,nor
anyofouremployeescandecodethisinformation.Pleaseseeourfull-lengthPrivacyPolicyformore
details.
HowdoesAssociatedCreditUnionverifymyidentityandmyaccountinformationtopreventfraud?
Weemployatwo-tieredverificationsystemtomakesureyouraccountsaresecure.
WhenyousignupfortheExternalFundsTransferservice,AssociatedCreditUnionprovides
confirmationofyouridentityandtheaccountsthatyouholdwiththecreditunion.
Occasionally,weareunabletoregistersuccessfullybecauseofincompleteinformationreceivedfrom
yourfinancialinstitution.Ifthishappensyouwillhaveachancetoprovidethisinformationtousand
youwillberegisteredfortheservice.
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AccountsthatresideatAssociatedCreditUnionwillbeauto-enabledsothatyoucanstartusingthem
afteryouacceptthetermsofservice.BeforeactivatingyourotheraccountsintoourExternalFunds
Transferservice,wewillverifyeachonewithyourotherfinancialinstitution.Thistakesalittlemore
timeforyouandforus,butitispartofthecarewetaketomaintainyoursafetyandtheoverallintegrity
ofthepaymentnetwork.
HELP-CONTACTUS
Howtocontactus?
• ByTelephone:770-448-8200,Ext.2402,
• OnlineBanking:Sendusasecureemailviaonlinebanking,
• ByMail:AssociatedCreditUnion,6251CrookedCreekRoad,PeachtreeCorners,Georgia300923107.
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