Frequently Asked @nytime Financial Center and @nytime Fast-pay Questions


Enrollment and General Questions

Q: What is @nytime Financial Center?
A: We're renaming our online banking product to @nytime Financial Center and our bill payer product to @nytime Fast-pay. Our new system will have all the functions of our existing system plus some exciting, state-of-the art enhancements enabling you to:

Of course you can still view account balances and transaction history, make transfers, view check images, and download transaction history into Quicken® or Microsoft Money®.


Q: Why the name change from Online Banking and Bill Payer to @nytime Financial Center and @nytime Fast-pay?
A: We feel @nytime Financial Center and @nytime Fast-pay better conveys the increased functionality of our new system and its 24/7 availability.


Q: Why do I have to resign up for these services?
A: Our @nytime Financial Center and @nytime Fast-pay services are provided by a new vendor.


Q: Are @nytime Financial Center and @nytime Fast-pay secure?
A: Yes, this system is designed so that your primary records are not on the internet. Instead, your records are accessed via a private communications line, much like an ATM transaction. @nytime Financial Center and @nytime Fast-pay uses the latest encryption and authentication technology to further protect your privacy.


Q: How do I enroll in @nytime Financial Center and @nytime Fast-pay?
A: Click on the link from our home page to the enrollment page. You will be asked to enter your account number and Quick Draw PIN. (When you opened your account, your Quick Draw PIN was initially set to the last four digits of your Social Security number. If you changed it, use the PIN you later selected.) A screen will appear that will lead you through enrollment. Once you have enrolled in @nytime Financial Center, you will be prompted to sign up for @nytime Fast-pay.

Q: Once I have applied, when can I begin using the service?
A: You will be able to use the @nytime Financial Center functions immediately after signing up. We will e-mail you within 24 hours after you sign up for @nytime Fast-pay to notify you that your enrollment was successful. You can then use all the bill payment services.

Q: Is there a fee to use @nytime Financial Center and @nytime Fast-pay?
A: There is no fee to use Atlantic Federal's @nytime Financial Center and no fee to use @nytime Fast-pay. Unlimited bill payment transactions are included.

We encourage Members who are subject to the monthly fee to give us a call at 1-800-222-1329 to discuss how they can become an Enhanced or Premier Member. Often just adding one service is all it takes!

Q: Why does my last successful log-on date appear after I sign on?
A: Once you have signed on, you will see the date of your last successful log-on and the number, if any, of unsuccessful log-on attempts. This information helps you monitor the usage of your account. If you see a pattern of successful or unsuccessful log-on attempts that are not yours, contact us at 1-800-222-1329 for assistance.

Q: Can I control the length of inactivity before system automatically logs off?
A: Yes, the Change Timeout feature (found under the User Option button) enables you to se the number of minutes of inactivity before you are automatically logged off.@nytime Financial Center and @nytime Fast-pay.

Q: What account balances and histories will I have access to within @nytime Financial Center and @nytime Fast-pay?
A: You will be able to view the balances and histories for all of your accounts with the exception of your AFCU Visa® and Student Loan Accounts. You may access your Visa® at our website's home page at the Electronic Services button.

Q: Can I export account information into outside financial programs?
A: Yes, you may download information into Quicken®, Microsoft Money®, and other file formats. Follow instructions at the Export Services button.



Check Images

Q: How do I view a cancelled check?
A: You can view copies of your cancelled checks by clicking on the check number. To print the check image, click Printer icon located just above the image.

Q: What accounts have check images available?
A: Check images are available for your Checking. Money Market and Home Equity Line of Credit accounts.

Q: How far back in time are check images available?
A: Check images are available for checks that have cleared during the past 90 days. If you need a check from an earlier time period, contact the Credit Union.

Q: Are check images accepted as proof of payment?
A: Yes. Check images are universally accepted as proof of payment.


Transfers

Q: Which Savings/Checking accounts may I use for transfers?
A: You may transfer available funds to or from any of your Savings, Checking and Money Market accounts. See RegD restrictions. Remember, there is a $250 minimum transfer from Money Market Accounts.

Q: Which Loan accounts may I use for transfers?
A: You may transfer available funds from your Overdraft Line of Credit or a Home Equity Line of Credit to any of your Savings, Checking, Money Market or Loan Accounts. Remember, there is a $500 minimum transfer from Home Equity Line of Credit Accounts.

Q: How do I make internal cross-account transfers to and from the accounts of my family members?
A: You and your family members must first fill out an authorization form. Please call our Member Service Department at 1-800-222-1329 to request the form.

Q: How do I transfer funds to individuals and institutions outside the credit union?
A: Follow directions under the Payment Manager button.

Q: When will my loan balance be updated after I transfer funds to make a loan payment?
A: Your loan balance will be updated immediately after your transaction has been completed.

Q: What is the Quick Transfer feature?
A: The Quick Transfer feature that appears at the bottom of the Account Summary page allows you to transfer funds from one account to another without leaving that screen.

Q: Can I set up a recurring funds transfer on my account?
A: Yes. Click on the Scheduled Transfer button to set up this function. Transfers may be added, edited or deleted at your discretion. All completed transfers can be viewed on the Account History page.



Payments


Q: Who can I pay using @nytime Fast-pay?
A: You can make payments to anyone in the United States that you would normally pay by check or automated debit with the exception of court-ordered payments and state and federal tax payments.


Q: From what accounts will my payments be made?
A: You may authorize payments from your Checking Account ($1 minimum per payment), Money Market Account ($250 minimum per payment) Home Equity Line of Credit ($500 minimum per payment) or Overdraft Line of Credit (no minimum but funds advanced in increments of $10 to your Checking Account.)

Q: What types of payments can I set up?
A: You can establish one-time payments as well as recurring payments. Recurring payments may occur weekly, biweekly, semi-monthly, monthly, every four weeks, bimonthly, semi-annually or annually. Payments may also be scheduled up to one year in advance if so desired.

Q: Can I use @nytime Fast-pay to pay my AFCU loan(s)?
A: Yes, however to expedite your payment to your AFCU loan(s), we recommend that you use our @nytime Financial Center transfer function rather than @nytime Fast-pay. You also may contact the Credit Union to have loan payments made automatically from your savings or checking account.

Q: Can I add some descriptive information to my payment entry?
A: You can add a note to your payment. A payment note is similar to the memo line of a check. To add a note to your payment, click the Add Note link on the Confirm Payment page and type the text of the note in the Payment Note box. You can type a maximum of 80 characters. The note appears on the Confirm Payment page after you confirm your payment and on the Bill Detail page. The entire note is sent with electronic payments. Paper checks contain the first 34 characters of the note.


Q: How does a payee receive my money?
A: @nytime Fast-pay determines if the payment will be made electronically or by check. Some payees, such as individuals, cannot receive electronic payments, so a check is printed and sent. Electronic payments clear your account on the due date. Otherwise, funds clear your account after the payee deposits or cashes the check. Whichever method is used, the payment is processed to reach the payee on time as long as it is scheduled to be on time.

Q: How far in advance of the due date should I schedule my payments?
A: When making a payment, the first available payment date allowed by the system is four business days from today. Payments going out via ACH are sent out the evening before the date for which you've scheduled the payment. Paper checks are cut and mailed one to three business days before the due date. Scheduling pay dates sufficiently in advance of the due date on the bill allows enough time for the payee to receive the payment and credit it to your account.

Q: How do I keep track of my bills in @nytime Fast-pay?
A: The Pay Bills section lists all of the bills you've added in @nytime Fast-pay. You can scroll through the list alphabetically in ascending or descending order by clicking on the Biller Name column. After you pay your bill, it may move to either the Pending Payments section or the Current Month's section of the Payment Center page. The Pending Payments section give a summary of the payments that have not been processed yet. The Current Month's section gives

Note: If you pay a bill at the end of the month it may not appear in the Current Mont's list, but you can go the Bill History page to find it. Bill History shows all of the bills you paid in the past six months, including electronic bills and the bills that you pat automatically.

Q: How can I confirm that a payment has been made?
A: Look for the payment to move from the Pending Payments section to the Current Month's section. If the payment was processed normally, you'll see the amount of the payment. If you canceled the payment, or it failed during processing, you'll see the status of the payment. You can also check the status of the payment on the Bill Detail page. If the status is Paid, the payment has been made.

Q: Can I change a payment?
A: No. If the payment has not started processing, you can cancel it and reschedule the bill again.

Q: How do I cancel a payment?
A: Look for the payment in the Pending Payments section of the Payment Center page. Click the cancel link and confirm that you want to cancel the payment. After you cancel the payments, its status changes to Canceled. Canceled payments appear in that month's payment list and bill history.

Note: If you cancel an automatic payment; only the selected payment is canceled. You do not cancel future payments. To cancel all payments that you've scheduled to be paid automatically, go to Manage My Bills and select the biller name. Then select the option to delete the automatic payment.

Q: What do I do if the payee has not received or credited my payment?
A: Sometimes the payee may not credit your account immediately after receiving a payment. If the payment is not credited in a reasonable amount of time, take the following steps:

  1. Wait five days after the scheduled payment to see if the payee credits the payment.
  2. If the payment is not applied to your account, call the payee's customer service department to see if they received the payment and credited your account.
  3. When you call, gather the following information from the payee:
  4. If you have received a late fee but scheduled your payment on time, ask the payee if they will waive the fees and late charges.
  5. If the payment is not credited to your account or if the payee will not waive late fees, find the payment in Payment Manager under View Bill History. Locate the bill you want to review. Click Payment Inquiry. Fill out the form, then click Send Inquiry. Click Print to print the message that you sent to us.

Q: What do I do if I receive a late fee for a payment?
A: If you receive a late fee or finance charge for a late payment that you scheduled on time, follow these steps:

  1. Call the payee's customer service department
  2. When you call, gather the following information from the payee:
  3. Ask the payee to waive any fees or finances charges.
  4. If the payee will not waive any fees or charges, find the payment in Payment Manger under View Bill History. Locate the bill you want to review. Click Payment Inquiry. Fill out the form, then click Send Inquiry. Click Print to print the message that you sent to us.

Q: What happens if I do not have a sufficient available balance in my account on the day the payment is processed?
A:If you do not have sufficient funds to cover a payment, you will be charged a $25 non-sufficient funds ("NSF") for each unsuccessful attempt. We encourage you to open an Overdraft Line of Credit on your account to prevent these occurrences. You can get instant Overdraft approval at the "Apply for a Loan" section of our website's home page. Also, depending on your Member Merits level, Courtesy Pay may cover your NSF checks up to your pre-authorized limit. Visit the "Membership" section of our website for more details on our Member Merits Program.



E-bills

Q: What is an e-bill?
A: An e-bill is an electronic version of a paper bill that you can view and pay online. You may also print and save e-bills. You can receive e-bills from payees that are e-bill capable.


Q: How do I find out if a payee sends e-bills?
A: When you add a payee that is e-bill capable, the system will automatically ask you if you want to receive e-bills. Click the link and you will be prompted to add your user ID and password for that biller. Note: To receive e-bills, you must already receive bills online at the biller's website. If you are not, go to the biller's website first and sign up.


Q: Will I still receive a paper copy of the bill through U.S. mail?
A: It depends on the payee. Some payees stop sending a paper bill; others continue to send paper bills in addition to the e-bill.

Q: How do I know when I've received a new e-bill?
A: An e-bill Due icon will appear next to the biller name on the Payment Center page. Click the icon to view the bill. Click Print to print a copy.


Q: How do I pay e-bills?
A: Click the e-Bill Due icon next to the biller name in the Pay Bills section. Click Pay next to the bill you want to pay. Click Send Payment.

Q: Can I pay an e-bill automatically?
A: Yes. See Auto-Pay instructions below.


Q: What if the amount of an e-bill seems incorrect?
A: If you have questions about an e-bill, contact the payee directly. All information on the e-bill comes directly from the payee, the same as when they mail you a paper bill.

Q: Can I pay e-bills outside of @nytime Fast-pay?
A: Yes, you can pay an e-bill by some other way (by check, for example). If you pay the e-bill by some other method, you can delete the unpaid e-bill form the Unpaid E-bill page. Once you delete the e-bill, you cannot view the bill or bill statement again through @nytime Fast-pay.

Q: How can I stop receiving e-bills from a payee?
A: Go to Manage My Bills. In Biller Name, select the bill you want to stop receiving electronically. Click Stop an electronic version of my bill. A confirmation message appears. Click OK. That payee will be notified to stop sending e-bills and start sending paper bills. Note that it may take up to two billing cycles before you receive paper bills through the U.S. mail again. Continue to pay any e-bills received.



Auto-Pay

Q: What is Auto-Pay?
A: Auto-Pay enables you to make payments to a biller on a recurring basis. To add an automatic payment, go to Manage My Bills. In Biller Name, select the bill you want to pay automatically. Click Add an Automatic Payment. Select the automatic payment options that you want. These options differ depending on whether you receive an electronic version of your bill or not.


Q:How do I turn on Auto-Pay payments?
A:If you've set up the bill to be paid automatically, the automatic payment icon appears next to the biller name. You can select the icon to change the options for your automatic payment. These options affect all current and future payments that are to be paid automatically.

Note: If you want to change just one scheduled payment, you must cancel it. You can cancel a payment on either the Payment Center page or the Bill Detail page. After you cancel the payment, you can go to the Payment Center page and pay the bill again.


E-mail Notifications

Q: What are E-mail notifications?
A:E-mail notifications alert you to any of the following situations:

Click on the E-mail Notifications button to access the set up page.


Contact Us

Q: How do I contact the Credit Union about a bill payment inquiry?
A: You can send us a message by clicking on Contact Us in the top right corner of @nytime Financial Center or @nytime Fast-pay page. Or you may call us at: 1-800-222-1329.

Any time we send a message to you, there is an alert on the @nytime Fast-pay home page. Click Messages and View.