Check Imaging
Sign up for CU Banking and retrieve an image of all your cleared checks. Simply click on your check number as it appears on your "account transaction" page. An image of the back and front of your cleared check will appear.                                                                                                        Top of page

CU Banking - General Information
CU Banking is offered to First American members free of charge with unlimited transactions per month. The service operates in real time, which means that as soon as you make a transaction, the results can be viewed immediately in the "account transaction" screen.

CU Banking will be down for a brief period any time between 7:00 p.m. and 9:00 p.m. for daily maintenance. Please check periodically for access to CU Banking during this time. Top of page

CU Banking - Demo
The CU Banking demo is available at the main login page for CU Banking and does NOT require the user to be signed up. A demo of our bill payment service is also available at the CU Banking main login page.                                                                                                 Top of page

CU Banking - Security
At no time is access allowed to First American Credit Union's system from anywhere on the outside. With the technology of firewalls and other devices, all activity is closely monitored and secured. As an additional security measure we encrypt your information as it passes over the Internet. This means that before your information is transmitted across the Internet, encryption takes the information and scrambles it so it appears as nonsense. There are many keys the encryption uses to perplex any unwanted viewer.

Another added security feature is our timeout option. CU Banking will remain open for a specified amount of time before it requests you to continue or will automatically sign you off. The timeout option can be set by the user by going into the "user options" menu.                                        Top of page

CU Banking - Help
If you are locked out of CU Banking, please contact First American. As a security measure CU Banking will lock anyone out after five (5) bad login attempts and the error message will state that you have been locked out.

If you're unable to get to the login page after clicking on the CU Banking icon and it says, "The page is not available," see system requirements.

If you're still unable to login into CU Banking please contact First American for assistance at
800-776-7159 or click on the "Help" button located on each CU Banking page. When contacting First American please have the following information available so we may efficiently assist you:
                 •  Date and time of your problem
                 •  What operating system are you running (e.g. Mac or PC, 486 or Pentium processor, etc.)
                 •  What browser type and version are you using (e.g. Netscape or Explorer)
                 •  A record of any error messages that occurred
                 •  A record of the steps that you took leading up to the error

What should I do if I get this error - 'Session State is Corrupted'? Click here for a pdf of instructions.

Why can't I go back to the account summary once I have accessed bill payer?
To fix the problem, do the following: Open Internet Explorer, go to tools, internet options. Select the security tabs, click on Internet and then custom levels. Scroll down about 2/3rds of the way to "Navigate sub-frames across different domains" and make sure this in enabled, click ok. Now try going to our website and see if this corrects the problem

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CU Banking - Inactive Users
If a CU Banking user account is inactive for 60 days with no login attempts, it will be declared inactive and purged from the system. To become active again you must re-enter your username and PIN number.                                                                                                                                     Top of page

CU Banking - Supported Browsers**
                 •  Internet Explorer 5.0, 5.5, 6.0
                 •  America Online 6.0, 7.0, 8.0
                 •  Netscape Navigator 4.75, 7.0, 7.0.1

CU Banking cannot be accessed using WEB TV because it does not support industry standards. As WEB TV's website notes. "full compatibility with all standards is impossible due to the small amount of memory in the original WEB TV system."

**Certain browser versions have been certified to work with the Internet Banking product. While other browser versions may work just fine, they have not been certified - meaning that not all features/functionalities are ensured to work as designed.
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CU Banking - System Requirements
                 •  Browser version 4.0 or newer (Internet Explorer, Netscape...)
                 •  128 bit Encryption
                 •  SSL 3.0 Security Setting
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Bill Pay - General Information
CU Banking's Bill Pay Service is an easy way to make payments such as utilities, without writing a check. Simply select a "payee" from your personal "Bill Pay" screen, enter the amount to be paid and the due date, and your funds are automatically deducted from your checking account to make your payment via check or ACH. All check amounts must be between $1 and $9,999.

There are no setup or user fees for Bill Pay. (Note: First American is not responsible for fees incurred. such as NSF, stop payment, check copy, etc.) Payments can be entered 24 hours a day, 7 days a week. You can log into CU Banking any time of the day or night.                                     Top of page

Bill Pay - Sign Up
To sign up for Bill Pay, click on the "Bill Pay" button at the top of the screen once you've logged into CU Banking. Enter the required information and submit the application. You'll receive an e-mail stating your acceptance or denial. If you are accepted, you'll receive an activation e-mail within the next three (3) business days.                                                                                                 Top of page

Bill Pay - Help
If you have issues with a payment, please contact Metavante at 800-823-7555. When contacting Metavante you'll need to have your BillPayer ID number from the "scheduled payments" screen handy. (First American can also call on your behalf.) If you are not the primary account holder, you'll need to be added as a joint owner by calling First American. If you have issues using Bill Pay, please contact First American at 800-776-7159. There are also help buttons located on each page.
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Bill Pay - Address Change
Metavante must be contacted at 800-823-7555 by the end user for all changes of address to keep up current user information.  

When changing an e-mail address by going into the User Options menu, this DOES NOT automatically change the e-mail address you entered for existing Notifications or Account Transfers.  If the e-mail address is changed in the user options, it must also be changed manually for existing Notifications or Account Transfers.                                                                Top of page

Bill Pay - Payment Processing
At this time, most businesses (payees) are not set up to receive electronic payments through the Automated Clearing House (ACH); however, the number that do accept electronic payments is increasing daily. In the event that one of your payees doesn't accept electronic payments, a check is issued and sent to the payee on your behalf. For check payments, allow five (5) business days for them to be received and posted. If the payee accepts electronic (ACH) payments, allow three (3) business days. The time frame necessary for each payment is reflected in the current payment listing as "Date Funds Withdrawn". (Note: The date you enter is NOT the due date of the bill; however, it is the date the payment will process. For example, a payment is due on the 15th and it is paid by a check. You must schedule the payment for the 10th (date not including weekends) in order to allow for proper processing time. Holidays and weekends must also be taken into account for the processing date. Money should be in your account before your payment is sent out.)
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Bill Pay - Terminology
Processing Date: End user selects the date to have his/her account debited. Metavante will not debit the account before that date. It will frequently be a day or two later.

Processing Time: Processing occurs at 12:00 a.m. Central Time. End users have until 11:45 p.m. Central Time to cancel payments.

Non-Processing Dates: Metavante doesn't process bill payments on weekends or Federal Reserve non-processing business days. Exceptions: If today is Friday, processing has already occurred (at 12 a.m. Central). If an end user sets up a payment for the next day (Saturday) the payment will not process until the next business day. Federal Holidays are also non-processing dates and are grayed out on the Bill Pay calendar.

Payee: The person or company which is being paid.

Account Number: The account number of the payee.

Monthly Payment (recurring): A payment which occurs every month or another assigned period of time.

Single Payment (one-time): The payment occurs only at the member's request.

Monthly Fee: Members are able to use the Bill Pay Service for free. First American has the right to change fees at any time. Additional fees will not be assessed without notice. Free use of Bill Pay doesn't include NSF, check copy or any additional fees not associated with a standard monthly fee.

Stop Payment Fee: The fee for a Bill Pay stop payment is $24.00. Stop payments can only be placed on checks, not ACH (electronic) transactions.

Cancelled Check Copy Fee: The fee to obtain a copy of a Bill Pay cancelled check is $2.50 per copy.
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Bill Pay - NSF & Late Fees
NSF Fees
In an NSF situation, Metavante locks out the end user from Bill Pay only, not Internet Banking (CU Banking). The end-user can view his/her historic and pending payments. The end-user cannot add, edit, delete, or change any payments. Any pending payments will NOT be processed. The lock-out is cleared after the account has been successfully debited, although this may take up to five (5) days.

With electronic payments Metavante attempts to debit the account for three (3) more consecutive days. A paper check (less than $100) - Metavante attempts to debit the account for three (3) more consecutive days. Paper checks more than $100 - Metavante checks with the financial institution for sufficient funds, then attempts to debit the account for three (3) more consecutive days. If no funds are available, a stop payment will be placed on the check.

In all cases, an NSF fee is charged only on the initial attempt, not any of the three (3) successive attempts. If an account has six (6) NSF's within a rolling 12-month period, Metavante will close the account. To avoid NSF problems, contact First American at 800-776-7159 and sign up for Overdraft Protection.

Late Fees
If a payment is late because the end user did not select the right date, the end-user is responsible for late fees. If the payment was setup correctly and was still late, Metavante is responsible for late fees up to $50.

If the wrong payee is selected, the end user is responsible for all late fees. Make sure to verify that all addresses and phone numbers are correct by comparing it with the information on your bill.
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