This Agreement and Disclosure specifically governs the Advantage Federal Credit Union(AFCU) Teller Anytime "Service", and informs you of your rights and responsibilities and the terms and conditions associated with the service you have requested. Please read this Agreement and Disclosure carefully. In this Agreement and Disclosure, the words "you", "your", and "yours" mean each and every one who utilizes AFCU Teller Anytime. The words "we", "us", "our", and "AFCU" mean AFCU (Advantage Federal Credit Union). The words "the Service" refer to AFCU Teller Anytime.

By initiating inquiries and/or fund transfers through the AFCU Teller Anytime Service, or by permitting another to use the Service on your behalf, you acknowledge receipt of the Agreement and Disclosure and agree to be bound by all terms and conditions contained herein, and all applicable terms and conditions in our other agreements with you governing your checking, savings, and loan accounts accessible in connection with the Service. You further agree to follow all instructions provided by the Service and reflected on your computer screen. The terms and conditions of this Agreement and Disclosure are in addition to the terms and conditions of any and all other deposit account and credit agreements you have with AFCU, including all such disclosures made pursuant to such agreements. You further agree to abide by any terms or conditions which may be added because of future enhancements to AFCU Teller Anytime.

Services: Using your personal computer ("PC") and your Personal Identification Number ("PIN"), you can access your AFCU accounts and process transactions 24 hours a day, seven days a week (as long as the Service is available. See "System Unavailability"). You may use your PC and PIN to carry out the following transactions:

Inquire about and download account balance and transaction history on your savings, checking, certificates and loan accounts (with the exception of VISA accounts);
Initiate funds transfers between your savings, checking, and loan accounts established under the same primary account number. (Transfers cannot be made to VISA accounts.);
Make transfers to another member's account, if you have pre-assigned the accounts when enrolling for the Service;
Obtain cash reserve/line of credit advances and have the funds deposited to your other accounts; and
Make withdrawals payable to you by check to be sent to your address of record on file with AFCU.
Business and Processing Days: AFCU Teller Anytime will be available 24 hours a day, 7 days a week, except when down for maintenance as indicated in the paragraph titled "System Unavailability."

Limits on Transfers and Transactions: The limit on the value of transactions you may initiate through AFCU Teller Anytime(including the Bill Payment feature), provided collected funds are available in your account or sufficient credit is available on your line of credit, is $9,999.99. You cannot initiate a transfer from Certificates or IRA accounts. Overdraft Protection is NOT automatically triggered to cover "insufficient funds" transactions. You may initiate transfers from your account to another member's account ONLY if you have pre-selected these accounts when you enrolled. AFCU reserves the right to limit the frequency and dollar amount of transactions at any time for security reasons.

Finance Charges on Loan Transfers: Each transfer made from your line of credit is considered a cash advance and finance charges begin to accrue from the effective date of the transfer, in accordance with the terms of your credit agreement(s).

Funds Availability and Accrual of Dividends: Funds from electronic funds transfer credits/deposits will be available on the effective date of the transfer, in accordance with our "Funds Availability Policy". Dividends begin to accrue on the effective date of the transfer.

Issuance and Confidentiality of Your Personal Identification Number (PIN): You are required to select a PIN for use with AFCU Teller Anytime. Your PIN is confidential and should NOT be disclosed to others or recorded on documentation or records located on or around your PC. You agree not to disclose or otherwise make your PIN available to anyone not authorized to sign on your accounts. If you authorize anyone to use your PIN, that authority shall continue until you specifically revoke such authority by changing the PIN or by notifying AFCU and obtaining a replacement PIN. You understand that if you reveal your PIN to anyone, you have authorized that individual to transfer and withdraw funds from any of your accounts which can be accessed by the PIN, regardless of whether that person is authorized to transfer or withdraw funds from the account(s) by any means other than by use of the Service. If you fail to maintain security of your PIN and AFCU suffers a loss, we reserve the right to terminate Service to you under this Agreement and Disclosure, as well as to terminate other AFCUdeposit and loan services. Users of the Service should utilize such other PIN protection precautions as may be appropriate under any particular set of circumstances to ensure proper security over system access and access to account and transaction information and funds transfer capabilities. The Service provides the capability for you to change your PIN. To help safeguard your security, you should change your PIN frequently.

Your PIN for AFCU Teller Anytime will be the same as your PIN for ACCESS LINE. If you forget your PIN or your system access is disabled due to the use of an incorrect PIN, you must contact a AFCU Representative to have a temporary PIN issued to you. We reserve the right to require written re-application for a new/replacement PIN.

AFCU's Liability for Failure to Make Transfers: If we do not complete a transfer to or from your account on time or in the correct amount, according to our agreement with you, we may be liable for your losses and damages. However, it is your responsibility to verify that the transaction confirmation was received. There are some exceptions. We will NOT be liable for example, if: (1) Through no fault of ours, you do not have sufficient available funds in your account to make the transfer; (2) The transfer would exceed any permitted overdraft line you have with us; (3) Circumstances beyond our control (such as fire, flood, power failure, computer breakdown, telephone line disruption or a natural disaster) prevent or delay the transfer, despite reasonable precautions taken by us; (4) The funds in your account are subject to legal process, an uncollected funds hold, or are otherwise not available for withdrawal; (5) The information supplied by you or a third party is incorrect, incomplete, ambiguous or untimely; (6) The system was not working properly and you knew about the breakdown when you started the transfer; or (7) You are in default on an account to which you are attempting a transfer. (There may be other exceptions stated in our agreement with you.)

In addition, AFCU will also have no liability whatsoever for failure to complete a payment or transfer you initiate or attempt to initiate through the Service under any of the following circumstances: (1) If you did not properly follow the Service instructions on how to make the transfer; (2) If you did not give AFCU complete, correct and current instructions or information; (3) If your personal computer and/or software malfunctioned for any reason; (4) If the transfer could not be completed due to system unavailability; or (5) We blocked the transfer to protect the integrity or security of the system.

Member's Responsibility and Liability for Unauthorized Transfers: You are responsible for all transfers you initiate and authorize using the Service. If you permit other persons to use the Service and your PIN, you are responsible for any transactions they authorize from any of your accounts. Notify us IMMEDIATELY at the address and telephone number indicated at the end of this disclosure, if you believe that your PIN has been lost or stolen or that someone has used it or may use it to access your accounts and transfer money without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account, plus any available credit on your line(s) of credit.

If you notify us within two (2) business days after learning or suspecting that your PIN was lost, stolen or used by someone without your permission, you can lose no more than $50.00. If you do NOT notify us within two (2) business days after you learn of the loss or theft of your PIN, and we can prove we could have stopped someone from using your PIN without your permission had you told us in time, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, tell us AT ONCE. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money that you lost after the sixty (60) days, if we can prove that we could have prevented someone from taking the money had you told us in time.

In Case of Errors or Questions About Your Electronic Funds Transfers: Contact us IMMEDIATELY at the telephone number or address noted on the last page of this document, if you think your statement is wrong (or shows transfers and transactions that you did not authorize), or if you need more information about a transfer. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Tell us your name and account number, the dollar amount of the suspected error, and the date it occurred. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

If you notify us verbally, we may require you to send us your complaint or questions in writing within ten (10) business days. We will tell you, in writing, the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question. If we need to use the forty-five (45) days to investigate, we will provisionally credit your account within ten (10) business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or request in writing and we do not receive it within ten (10) business days, AFCU is not required to credit your account.

For transactions initiated outside the United States, the time periods stated above increase to twenty (20) business days instead of ten (10) business days, and ninety (90) calendar days instead of forty-five (45) calendar days, unless otherwise required by law, to investigate your complaint or question.

If we determine there was no error, we will send you a written explanation within three (3) business days after we complete our investigation. You may ask for copies of the documents that we used in our investigation and upon which we relied to conclude that the error did not occur. (We will make these available to you to the extent possible without violating any other member's right to privacy).

Right to Receive Documentation of Transfers: Your completed Service transactions will appear on your periodic account statements. You will get a monthly account statement of the electronic funds transfer activity on your accounts unless there is no activity in a particular month. In any case, you will get a statement at least quarterly. Be sure to review and verify all statement information thoroughly. You may also obtain information on transfers and payments by inquiry of your transactional account history using the Service.

Fees and Charges: There is currently no fee for the Service. AFCU reserves the right to impose fees or to subsequently change any fee structure, if necessary, without notice.

Withdrawal (by Check) Transactions: If you perform a "withdrawal" using the Service, you are requesting a check disbursement of funds to you from your savings, checking, or line of credit account. The check will be payable to the primary name on record for the account from which the funds were withdrawn, and will be mailed to the address as reflected on our account records. Allow at least three (3) business days from the processing date of the transaction to receive your check in the mail.

Right to Stop Payment on Electronic Transfers: A stop payment order cannot be placed on transfers which you have previously agreed to have made on a regularly scheduled basis. If you have made an AFCU Teller Anytime transfer in error, you must reverse the transaction by initiating a correcting transfer or contacting an AFCU member representative.

Disclosure of Account Information to Third Parties: We will disclose information to third parties about your account or the transfers you make: (a) Where it is necessary for completing transfers; (b) In order to comply with government agency or court orders; or (c) In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or (d) If you give us your written permission.

Bill Payment:

Fees: There is no fee for using the Bill Payment feature. Should you wish to cancel this service, you must do so in writing. Upon receiving your cancellation request, you will be removed from the Bill Payment service. After cancellation, you may gain access to the Bill Payment feature by re-registering at any time. AFCU reserves the right to change this fee structure, at any time, without notice. NSF and uncollected funds fees apply as indicated in the AFCU fee and service charge schedule.

Responsibility: Late charges and additional interest charges will be the members' responsiblity in all cases unless AFCU or the third party processor, Online Resources, make a processing error which causes the charges to be applied. Examples of member responsibility include, but are not limited to: scheduling payments a minimum of 5 business days prior to the due date, supplying the correct and complete information for electronic payments and maintaining a sufficient balance in your S8 account to make the payments.

System Unavailability: Access to the Service may be unavailable at certain times for the following reasons: (1) Scheduled maintenance- There will be periods when systems require maintenance or upgrades; (2) Unscheduled maintenance - service may be unavailable when unforeseen maintenance is necessary; or, (3) System Outages- major unforeseen events, including, but not limited to: earthquakes, fires, floods, computer failures, interruptions in telephone service, or electrical outages, that may cause system unavailability. AFCU will make all reasonable efforts to ensure the availability of the Service. However, AFCU is in no way liable for the unavailability of the AFCU Teller Anytime Service or any consequential damages that may result.

Notification and Changes in Terms and Conditions: Any notification, required or appropriate, will be mailed to you or provided electronically, and will be considered given when placed on AFCU's web page or when placed in the United States mail, postage prepaid, and addressed to you at your current address as it appears on our records. We may change or amend any part of this Agreement and Disclosure at any time, including changes in terms, conditions, and fees, as long as we give you advance notice as required by law. Notification will generally be provided at least thirty (30)calendar days before the effective date of the change.

Other Limitations of Liability: The only browsers that will work with the Service are Netscape Navigator and Microsoft Internet Explorer. You are solely responsible for the selection, installation, maintenance, and operation of your personal computer and software. AFCU expressly disclaims any and all liability as relates to the improper use of your personal computer and the transmission of data. AFCU is not responsible for any errors or failures due to any malfunction of your personal computer or software, or unsuitability of your personal computer or software, or any virus, or any problems that may be associated with the use of any Internet service.

Termination of Agreement and Service: You may cancel this Agreement and terminate your Service with AFCU at any time by providing written notice to AFCU and discontinuing use of the Service. AFCU may terminate its Service and this Agreement and Disclosure at any time by giving you advance notification, either orally or in writing. Whether you or AFCU terminates this Agreement and Disclosure, the termination shall not affect your obligations under this Agreement and Disclosure for any transfers or payments made prior to termination.

Governing Law:This Agreement is made in New York and shall be construed and governed by the laws of the State of New York to the extent that New York law is not inconsistent with controlling Federal Law.

Advantage Federal Credit Union, P. O. BOX 14440, Rochester, New York 14614-0440. Telephone: (888) 454-2328.

Member Account Service Charge Schedule

This Service Charge Schedule for all accounts sets forth certain fees and charges applicable to regular share, share draft, and money market accounts as of June 1, 2007. This schedule is incorporated as part of your account agreement with Advantage Federal Credit Union. You will be notified of changes to these fees.

Disclosures/FAQs

Frequently Asked Questions (FAQ's)
Bill Payment

Q: I'm concerned about the security of my information. How do I know that this information is secure?

A: Advantage Federal Credit Union is dedicated to providing you with products and services that are not only convenient, but secure. We are using Secure Socket Layer (SSL) technology and requiring passwords to ensure a safe operating environment. We also employ advanced firewall technology to protect all of our data from invasion by anyone outside of the credit union.

Q: How long will it take before my bill gets paid?

A: Once you have used the Bill Payment feature to pay your bills, it will usually take 3-5 business days for your payments to be received and credited to your accounts.

Q: Why does it take 3-5 days?

A: Each bill that you pay is part of a file that is maintained at the Credit Union. Once each day, that file is transmitted to a third party processor. The processor receives the file and makes the payments on your behalf. They attempt to make all payments electronically, but not all companies or individuals can receive electronic payments. In these instances, an actual paper check is generated and mailed to your payee. For this reason, the time between your transaction on the bill payment system and the time the payment is received by each payee will vary.

Q: How much will it cost?

A: There is no fee for the Bill Payment service. So why not take advantage of the convenience of paying your bills on-line?

Q: What do I do if I want to verify receipt of my payment by the payee?

A: Call the payee, but remember that it may take up to 5 business days for them to receive the payment.

Q: What if it has been more than 5 business days and the payee has not received my payment?

A: Call the credit union and a representative will investigate the status of your payment. We will only investigate payments if the 5 business days have passed.

Q: Who do I call if I have more questions regarding the Bill Payment feature?

A: Call the credit union at (585) 454-5900 or toll free at 888-454-2323 and press 5 for a Member Service Representative.

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

24-Hour Advantage Card
Advantage Check Card
Access Line

This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer ("EFT") services offered to you by Advantage Federal Credit Union ("Credit Union"). In this Agreement, the words "you" and "yours" mean those who sign the application or account card as applicants, joint owners, or any authorized users. The words "we," "us," and "our" mean the Credit Union. The word "account" means any one or more savings and checking accounts you have with the Credit Union. Electronic funds transfers are electronically initiated transfers of money into or out of your account through the electronic funds transfer services described below. By signing an application or account card for EFT services, signing your Card, or using any service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered.

EFT Services. If approved, you may conduct any one or more of the EFT services offered by the Credit Union.

24 Hour Advantage. You may use your Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, NYCE and Cirrus Networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may use your Card to:

Make deposits to your checking accounts.
Withdraw funds from your checking accounts.
Obtain balance information for your checking accounts.

The following limitations on the frequency and amount of ATM transactions may apply:
There is no limit on the number of cash withdrawals you may make in any one day.

There is a $500.00 per day limit for ATM cash withdrawals.
There is a $3,000.00 per day combined limit for ATM withdrawals and any POS (Point-of-Sale) transactions in which you use your PIN.
See section 2 for transfer limitations that may apply to these transactions.

Because of the servicing schedule and processing time required in ATM operations, there is a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal. You should review the Credit Union's Funds Availability Policy to determine the availability of funds deposited at ATMs.

Advantage Check Card. You may use your Card to purchase goods and services from participating merchants. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union will treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, NYCE and Cirrus Networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to:

Make deposits to your checking accounts.

Withdraw funds from your checking accounts.

Obtain balance information for your checking accounts.

Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept VISA.

Order goods or services by mail or telephone from places that accept VISA.

The following limitations on the frequency and amount of Advantage Check Card transactions may apply:

There is no limit on the number of Advantage Check Card purchases you make per day.
You may purchase up to a maximum of $3,000.00 per day for Check Card transactions not requiring a PIN.
There is no limit to the number of cash withdrawals you may make in any one day from an ATM machine. There is a $500.00 per day limit for ATM cash withdrawals.
There is a separate $3,000.00 per day combined limit for ATM withdrawals and any POS (Point-of-Sale) transactions in which you use your PIN.
See section 2 for transfer limitations that may apply to these transactions.

Access Line (Audio Response)/Teller Anytime Home Banking. If we approve the Access Line audio response access service for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN along with your account number to access your accounts through Access Line or Teller Anytime Home Banking. At the present time you may use the audio response access service to:

Transfer funds from your share, share draft, money maker, IRA share, holiday club or spread-the-check accounts.
Obtain balance information on your share, share draft, money maker, spread the check, holiday club, loan, IRA and share certificate accounts.
Make loan payments from your share and share draft accounts.
Transfer from line of credit to share, share draft and money maker accounts.
Determine if a particular item has cleared.
Verify the last date and amount of your payroll deposit.
Obtain loan history.
Check withdrawals from share, share draft, money maker and line of credit accounts.
Transfer funds to another member number.
Stop payment on a check.
Request copies of statements and cancelled checks.

Your accounts can be accessed under the Access Line audio response service via a touch tone telephone only. Access Line service will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing.

There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one day.
See section 2 for transfer limitations that may apply to these transactions.

The credit union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each telephone call.

Preauthorized EFTs.

Direct Deposit. Upon instruction of (i) your employer or (ii) the Treasury Department or (iii) other financial institutions, the Credit Union will accept direct deposits of your paycheck or of federal recurring payments, such as Social Security, to your share or share draft accountaccount.

Preauthorized Debits. Upon instruction, we will pay certain recurring transactions from your share draft account.
See section 2 for transfer limitations that may apply to these transactions.
Stop Payment Rights. If you have arranged in advance to make regular electronic funds transfers out of your account(s) for money you owe others, you may stop payment on preauthorized transfers from your account. You must notify us orally or in writing at any time up to three (3) business days before the scheduled date of the transfer. We may require written conformation of the stop payment order to made in fourteen (14) days of any oral notification. If we do not receive the written confirmation, the oral stop payment order shall cease to be binding fourteen (14) days after it has been made.
Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay is required to tell you ten (10) days before each payment when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that you set.
Liability for Failure to Stop payment of Preauthorized Transfers. If you order us to stop payment on a preauthorized transfer three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for something with a check or share draft, you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds transfers of you complete the transaction after being told orally or by a notice posted or sent to you) that the transfer may be processed electronically, or if you sign a written authorization.

Transfer limitations. For all checking accounts, no more than six (6) preauthorized, automatic, or telephone transfers and withdrawals may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six (6) may be made by check, draft, or access card to a third party. If you exceed these limitations, your account may be subject to a fee, or be closed.

Conditions of EFT Services.

Ownership of Cards. Any Card or other device which we supply to you is our property and must be returned to us, or to any person whom we authorize to act as our agent, or to any person who is authorized to honor the Card, immediately according to instructions. The Card may be repossessed at any time at our sole discretion without demand or notice. You cannot transfer your Card or account to another person.

Honoring the Card. Neither we nor merchants authorized to honor the Card will be responsible for the failure or refusal to honor the Card or any other device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your account in lieu of a cash refund.

Foreign transactions.
VISA. Purchases and cash withdrawals made in foreign countries, and foreign currencies will be debited from your account in U.S. dollars. The conversion rate to dollars will be determined in accordance with the operating regulations established by VISA International. Currently the currency conversion rate used to determine the transaction amount in U.S. dollars in generally either a government-mandated rate or the wholesale rate in effect the day before the transaction processing date, increased by one percentage point. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.

Security of Access Code. You may use one or more access codes with your electronic funds transfers. The access codes issued to you are for your security purposes. Any codes issued to you are confidential and should not be disclosed to third parties or recorded on or with the Card. You are responsible for safekeeping your access codes. You agree not to disclose or otherwise make your access codes available to anyone not authorized to sign on your accounts. If you authorize anyone to use your access codes, that authority shall continue until you specifically revoke such authority by notifying the Credit Union. You understand that any joint owner you authorize to use an access code may withdraw or transfer funds from any of your accounts. If you fail to maintain the security of these access codes and the Credit Union suffers a loss, we may terminate your EFT services immediately.

Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners, including any authorized users, shall be bound by this Agreement and, alone and together, shall be responsible for all EFT transactions to or from any savings and checking or loan accounts as provided in this Agreement. Each joint account owner, without the consent of any other account owner, may, and hereby is authorized by every other joint account owner to, make any transaction permitted under this Agreement. Each joint account owner is authorized to act for the other account owners, and owner is authorized to act for the other account owners, and the Credit Union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner.

Fees and Charges. There are certain charges for electronic funds transfer services. From time to time, the charges may be changed. We will notify you of any changes as required by applicable law.

If you use an ATM not operated by us, you may be charged a fee by the ATM operator and by any national, regional, or local network used in processing the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). The ATM surcharge will be debited from your account if you elect to complete the transaction or continue with the balance inquiry.

Advantage ATM Fees.
$1.50 charge for each ATM/cash withdrawal after five (5) free per month. No fee for use of AFCU ATMs.
Replacement card fee of $10.00 per card.
$29.00 NSF (Non Sufficient Funds Fee)
$3.00 fee to transfer funds to cover overdrafts.

Advantage Check Card Fees.
$1.50 charge for each ATM/cash withdrawal after five (5) free per month. No fee for use of AFCU ATMs.
We do not charge for any POS transactions at the present time.
Replacement card fee of $10.00 per card.
$29.00 NSF (Non-Sufficient Funds Fee)
$3.00 fee to transfer funds to cover overdrafts.

EFT Fees.
$15.00 returned item fee.
$3.00 fee to transfer funds to cover overdrafts.
$29.00 overdraft fee.

$20.00 per item check copy fee - electronic bill pay.

Member Liability. You are responsible for all EFT transactions you authorize. If you permit other persons to use any EFT service, your Card, or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts.
Tell us AT ONCE if you believe your Card has been lost or stolen or if you believe someone has used your Card or access code, or otherwise accessed your accounts with us without your authority. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your Card or Card number without your permission, and was either a VISA or interlink transaction, you will have no liability for the transaction, unless you were grossly negligent in the handling of your account or card. For all other EFT transactions, including ATM transactions, or if you were grossly negligent in the handling of your account or card, your liability for an unauthorized transaction is determined as follows.

If you tell us within two (2) business days, you can lose no more than $50.00 if someone used your Card without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card, and we can prove we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500.00.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within the sixty (60) days after the statement was mailed to you, you may not get back any money that was lost after the sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods.

If you believe your Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us at:
(585) 454-5900
(888) 454-2328
Fax: (585) 454-7332

or write to:

Advantage Federal Credit Union
PO Box 14440
Rochester, NY 14614

Right to Receive Documentation.

Periodic Statements. Transfers and withdrawals made through any ATM, or POS terminal, Debit Card transactions, audio response transactions or preauthorized EFT's will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly.

Terminal Receipt. You will get a receipt at the time you make any transaction (except inquiries) involving your account using an ATM, POS terminal, or Check Card transaction with a participating merchant.

Direct Deposit. If you have arranged to have a direct deposit made to your account at least once every sixty (60) days from the same source and you do not receive a receipt (such as a pay stub), you can find out whether or not the deposit has been made by calling (585) 454-5900 or (888) 454-2328. This does not apply to transactions occurring outside the United States.

Account Information Disclosure. We will disclose information to third parties about your account or the transfers you make:
As necessary to complete transfers;
To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant;
To comply with government agency or court orders; or
If you give us your written permission.

Business Days. Our business days are Monday through Friday, excluding holidays.

Credit Union Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. However, we will not be liable for direct or consequential damages in the following events:

If, through no fault of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts necessary to complete the transaction are held as uncollected funds or pursuant to our Funds Availability Policy, or if the transaction involves a loan request exceeding your credit limit.
If you used your Card or access code in an incorrect manner.
If the ATM where you are making the transfer does not have enough cash.
If the ATM was not working properly and you knew about the problem when you started the transaction.
If the money in your account is subject to legal process or other claim.
If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction.
If funds in your account are pledged as collateral or frozen because of a delinquent loan.
If the error was caused by a system of any participating ATM network.
If the electronic transfer is not completed as a result of your willful or negligent use of your Card, access code, or any EFT facility for making such transfers.
If telephone or computer equipment you use to conduct audio responses or electronic/PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction.
Any other exceptions as established by the Credit Union.

Notices. All notices from us will be effective when we have mailed them or delivered them to your last known address in the Credit Union's records. Notices from you will be effective when received by the Credit Union at the address specified in this Agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least twenty-one (21) days before the effective date of any change. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations.
The following information is a list of safety precautions regarding the use of Automated Teller Machines (ATM) and Night Deposit Facilities.

Be aware of your surroundings, particularly at night.
Consider having someone accompany you when the ATM or night deposit facility is used after dark.
If another person is uncomfortably close to you at the time of your transaction, ask the person to step back before you complete your transaction.
Refrain from displaying your cash at the ATM or night deposit facility. As soon as your transaction is completed, place your money in your purse or wallet. Count the cash later in the safety of your car or home.
If you notice anything suspicious at the ATM or night deposit facility, consider using another ATM or night deposit facility or coming back later. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, take your Card or deposit envelope, and leave.
If you are followed after making a transaction, go to the nearest public area where people are located.
Do not write your personal identification number or code on your ATM Card.
Report all crimes to law enforcement officials immediately.
Billing Errors. In case of errors or questions about electronic funds transfers from your savings and checking accounts, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears.
(585) 454-5900
(888) 454-2328
Fax: (585) 454-7332

or write to:

Advantage Federal Credit Union
PO Box 14440
Rochester, NY 14614

Tell us your name and account number.
Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made and error or why you need more information.
Tell us the dollar amount of the suspected error.
If you tell us orally, we may request that you send us your complaint or question in writing within ten (10) business days.

We will tell you the results of our investigation within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45)** days to investigate your complaint or question. If we decide to do this, we will recredit your account within ten (10)* business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not recredit your account.

We will tell you the results within three (3) business days of completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

* If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten (10) business days.

** If you give notice of an error in thirty (30) days after you make the first deposit to your account, notice of an error involving a point-of-sale transaction, or notice of an error involving a transaction initiated outside of the United States, its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.

NOTE: If the error you assert is an unauthorized VISA transaction, other than a cash disbursement at an ATM, we will credit your account within five (5) business days unless we determine that the circumstances of your account history warrant a delay, in which case you will receive credit within ten (10) business days.

Termination of EFT Services. You may terminate this Agreement or any EFT service under this Agreement at any time by notifying us in writing and stopping your use of your Card and any access code. You must return all Cards to the Credit Union. You also agree to notify any participating merchants that authority to make bill payment transfers has been revoked. We may also terminate this Agreement at any time by notifying you orally or in writing. If we terminate this Agreement, we may notify any participating merchants making preauthorized debits or credits to any of your accounts that this Agreement has been terminated and that we will not accept any further preauthorized transaction instructions. We may also program our computer not to accept your Card or access code for any EFT service. Whether you or the Credit Union terminates this Agreement , the termination shall not affect your obligations under this Agreement for any EFTs made prior to termination.
Governing Law. This Agreement is governed by the Bylaws of the Credit Union, federal laws and regulations, the laws and regulations of the state of New York and local clearinghouse rules, as amended from time to time. Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.
Enforcement. You are liable to us for any loss, cost, or expenses we incur resulting from your failure to follow this Agreement. You authorize us to deduct any such loss, costs, or expenses from your account without prior notice to you. If we bring a legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgement collection actions.

Privacy Statement

Advantage Federal Credit Union Privacy Statement

In recognition of our members' expectation of privacy, Advantage Federal Credit Union has adopted the following privacy policy.

Advantage will collect only the personal information that is necessary to conduct our business. That means just what is necessary to provide the best financial products and services - no more. We may gather general information about web site visitors' browsing activities. This enables us to track how a visitor navigates through our web site and the areas in which they show interest. This is similar to a traffic report: it tracks trends and behaviors of members in general, but does not identify individuals in particular. We may collect information from the following sources:

Information provided by a member which may be included on a credit or membership application;
Information about member's transactions with the credit union or our affiliate;
Information about the member's transactions with non-affiliated third parties;
Information from a consumer credit reporting agency.
Advantage will protect your personal information. We will maintain security controls to ensure that member information stored on our premises and in our files and computers is protected. Where appropriate, we will use security coding techniques to protect against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions, and protect member confidentiality.

Within Advantage, the credit union requires that confidential information be safeguarded at all times and be used only for legitimate business purposes.

The credit union takes measures to limit employee access to confidential information on a "need-to-know" basis and makes every effort to ensure that financial information is maintained in an accurate and up-to-date manner. We educate our employees about the importance of confidentiality and member privacy through standard operating procedures, special training programs and Advantage's dedication to operating in an ethical environment.

Restrictions on the Disclosure of Account Information

Advantage Federal Credit Union may disclose any of the confidential member information which we have collected, such as account balances, financial transaction history and debt repayment history, outside the credit union if:

The member consents to the disclosure;
The information is provided to help complete a transaction that the member has authorized;
Legal or regulatory requirements oblige the credit union to supply information;
It is supplied to a vendor working on behalf of the credit union;
It is supplied to protect the security of our financial records;
It is otherwise permitted or required by law;
It is a credit reporting agency.
The credit union may disclose non-public personal information, such as your name, address and account number, to other entities including, but not limited to:

Vendors who print and mail monthly account statements;
Credit union trade organizations such as Credit Union National Association (CUNA) and National Association of Federal Credit Unions (NAFCU);
Public accounting firms which provide auditing services;
Regulatory examiners from the National Credit Union Administration (NCUA)
Affiliated third parties

The credit union may provide information such as account numbers and balances to affiliated third parties for the purpose of providing a service or completing member transaction processing.
Advantage Federal Credit Union is 50% owner of a credit union service organization (CUSO) which processes all share drafts (checks) written on Advantage accounts. The name of this organization is Tandem Service Organization, Inc. Certain account information as referenced above may be given to Tandem Service Organization, Inc., in an effort to ensure timely and accurate processing of these items.
Member Choice

If you prefer that we do not disclose non-public information about you to non-affiliated third parties, you may opt out of those disclosures, that is you may direct us not to make those disclosures (other than those permitted by law). If you wish to opt out of these disclosures to non-affiliated third parties, you may contact a member service representative during normal business hours at (585) 454-5900 or 888-454-2328 to have your information omitted from such disclosure.

Former Members

If you decide to terminate your membership or become an inactive member, we will continue to adhere to the privacy policies and practices described in this notice.

Maintaining Member Privacy in our Business Relationships

The credit union will not sell or share member personal information with a third party for the third party's own independent use. However, Advantage occasionally contracts with outside vendors and other business partners to perform specific services for the credit union. We require these vendors to honor and safeguard the information we provide them and to follow strict confidentiality requirements.

Information such as specific transaction and account data may be disclosed to a third party service provider, such as a corporate credit union, for purposes of completing a member transaction such as a wire transfer to another financial institution.

If you have any reason to believe that your personal information retained at Advantage Federal Credit Union is incorrect, please call us at (585) 454-5900 or e-mail us at Operations@advantagefcu.org. We will investigate the problem and, if applicable, update the credit union's records