FAQ's

Account News

Security Alert - if you receive an e-mail from "i-banking" or "i-business" advising you to cut and paste a link to update your home banking, do not take action! This e-mail was not sent by your credit union.

CU Succeed can help your teen with information on Cars, College, Checking, Credit, Calculators, Savings and Jobs. To download a Budgeting Spreadsheet just go to CU Succeed under the Youth & Teen tab to the left. Select Budget and click on the Budgeting Spreadsheet. You will find files to set up in Exel 95 or PDF format.

Anouncement March 27, 2008
Service Fee Changes Effective May 5, 2008 (these fees are per item unless otherwise indicated)
$30 Non-Sufficient Funds (NSF) Fee for all type items: Checks, Debit. ATM, ACH
$30 Courtesy Pay Overdraft
$30 Uncollected Funds Fee
$30 Stop Payment Fee for all type items: Checks, Debit, ACH
$10 Redeposited Item/deposit
$20 Wire Transfer
$3 Automatic Transfer of Funds from a share to share checking account
$3 Excessive Withdrawal Fee: from a share account in excess of six per month or Money Market Account in excess of three per month

For a complete list of fees and charges, please contact a Member Service Representative at your local neighborhood branch or call 614/836-0100.

Savings & Money Market Account Transaction Limitations
As a reminder to our members, Federal Regulation D (Reg D) limits all savings account transfers and withdrawals to only 6 per month other than transactions conducted in-person and by ATM. Your credit union is required to stay within this limitation. When processing your transactions, First Service will prohibit transfers and withdrawals that exceed 6 per month from savings accounts other than transactions in-person and by ATM. In addition, First Service will charge an Excessive Withdrawal Fee of $3 per transaction for all savings transfers and withdrawals over 6 per month.

Federal regulations also limit a Money Market Account to only three check withdrawals, transfers or other withdrawals, per month. First Service will charge an Excessive Withdrawal Fee of $3 per transaction for checks and transfers over 3 per month from a Money Market Account.

To avoid these excessive withdrawal fees, please contact us for a free checking option with no transaction limitations and no minimum balance requirements.

Six Tips For Online Safety
Following these tips will help you stay safer online:

1. Upgrade to the latest, most secure version of your web browser.
2. Never provide confidential information by e-mail including your account number or social security number and never click a link in unsolicited e-mail messages, especially those that look like they were sent by a financial institution.
3. Never act on e-mails offering contest winnings, stock tips, miracle pills, etc.
4. Never download software from a company that has an unknown reputation.
5. Never use security software offered in an unsolicited e-mail or pop-up window; they're almost always scams.

FirstCU Online
First Sign On
The first time you log into FirstCU Online, you will be prompted for a Username. You may enter your account number as the Username for your first sign-on OR select "No Username? Click Here" under the Username box to proceed. This will take you to the Username Registration screen to set up your Account Number, Password and Username.

After registration of your Username, you will be prompted on the next screen to select an Image and a PassPhrase. Your PassPhrase is different than your Password. It will appear with your Image when you sign-in to identify you are at our official web site.

Continued Use
You will use your Username to access FirstCU Online each time after your initial visit, so select a name you will easily remember. Your Image and PassPhrase will appear with each sign-on to verify you are at the official First Service web site. Once you recognize your Image and PassPhrase, you are safe to enter your Password. Your Password and your Username identify you to us.

Advanced Security
First CU Online
In order to make your online banking experience as secure as possible, First Service provides you with advanced identification verification to better protect you against online theft and fraud. This security will check for any unusual or uncharacteristic behavior involving your account to provide you with more peace of mind when banking online. Your selected Image and PassPhrase will also help you identify that you are at the official First Service web site to minimize the risk of falling victim to a “spoofed” web site.

Free Registration
To provide multi-factor security for our members' online transactions, First Service members are required to register a Username, an Image and PassPhrase on their account for login.

At a point in the future, you will also answer three "Challenge Questions". The answer to these Challenge Questions will verify your identity if you log in from a computer other than the computer you register, and if any unusual transaction requests are received for your account. The answers to these challenge questions verify to us that you are the correct user of this account.

e-Statement History
Account history for 13 months prior to December 1, 2007 can be found in e-Statements. For free access to e-Statements and to provide you safe delivery of your statement history on the first day of every month, sign up for e-Statements in FirstCU Online under the "History" tab.

Protect Your Information
Write Fewer Checks
A personal check is one-stop shopping for a thief. It has your name, address, account number and signature - enough information for a thief to rob you.
*First Service provides electronic transaction options with your CheckCard and free online BillPayer. To register for Free BillPayer, select the FirstCU Online Account Access link on this web site's home page and sign up for our online banking. BillPayer is easily accessed from FirstCU Online (remember to allow pop ups for BillPayer access).

Protect Your Social Security Number
A zillion places will request your social security number, but you don't have to tell them. Who is entitled to know? Your employer, the DMV, your credit union or bank and the IRS.

Beware of E-mails (phishing)
Impostors can create fake web sites - down to the logo. If you get an e-mail that asks you to go to a website and input personal details, ignore it! No bank, credit card company or your credit union will send an e-mail asking for this information.
* First Service will not ask you for personal information, or to verify information, by e-mail.

Watch Your Mail
Thieves can nab your statement, a credit card bill or other valuable information and change the address hoping you won't notice. Statements arrive on a regular cycle; if yours doesn't arrive, let the company know.
* First Service provides 13 months of free online e-Statements to help protect our members from mail fraud. Simply select the link to FirstCU Online Account Access on this web site's home page. e-Statements are found under the "History" tab.

VISHING E-mail Scams
Vishing - it's simply phishing (a look-a-like web site) but with Voice Over Internet Protocol (VolP) which enables telephone calls over the web. You get an e-mail that claims to be from your bank, credit union or credit card company asking you to update information and instead of an e-mail reply you are given a number to call for verification. DON'T make the call.
* First Service will not ask you for personal information, or to verify information, by e-mail.

In another version you are actually contacted by a "live" person or a recorded message directing you to take action to protect your account. The only action you should take is to call your credit union at a published number (such as the one on your statement). These are scams to obtain your account information.

Here's another tip for your identity protection. If you are staying at a hotel and the "front desk" calls to verify your check in information, such as your credit call, tell them you will verify their information at the desk in the lobby. There is a new scam to make calls to hotel rooms through the hotel call center that appears as a call from inside the building but you are actually giving your information to an identity thief.

Identity Theft
Identity theft is everywhere in today's society. FirstChoice Checking at First Service now offers Identity Theft and Check Remedy protection. Please contact a Member Service Representative at 614/836-0100 or e-mail support@firstcu.com for more information.
First Service is happy to provide our members with the latest news and information on identity theft and fraud.

First Service Privacy Policy
Our Privacy Policies protect your personal and financial information. These policies are stringent and enforced. We treat each member's confidential information with the utmost care-whether online or in person.

USA Patriot Act
The USA Patriot Act is designed to help protect you, your family and our country from terrorism by providing appropriate tools to intercept and obstruct terrorist acts. In compliance with this law, First Service verifies the identity of members (as well as prospective members opening an account and non-members cashing checks on member accounts) by requiring specific documents be kept on file. These documents are required for all new accounts and for existing members who are adding an additional account, when adding a signatory to an account, and when executing loan documents. We thank you for your understanding as we comply with these efforts to help maintain the security of our country.