24 hour Electronic Telephone Access

What is Fox Communities Credit Union's Online Banking?
Fox Communities Credit Union makes it possible for you to access your credit union accounts right from your computer - 24 hours a day, 7 days a week! Our flexible Online Banking System makes taking care of your credit union transactions faster and easier than ever. Because you have round-the-clock access to your accounts, this service is perfect for today's busy lifestyles.

Is there a cost to use Online Banking?
No, there is no charge from the Credit Union.

What software do I need?
All you need to use our Online Banking is:
Connection to the internet: "Frame capable" browser software, either Netscape Navigator or Microsoft Internet Explorer. Required minimum browser version is 3.0 for both Internet Explorer and Netscape Communicator. For optimum performance with the new features, we recommend Netscape Communicator version 4.7x or higher or Microsoft Internet Explorer version 4.01 Service Pack 2 or higher. 128 bit encryption is also needed.

How do I sign up? What will I need to sign up?
It's easy! Simply contact us or sign up online. You will need your account number, social security number, birth date, phone number, and approximate savings balance.

What can I do once I am connected to Online Banking?
Our Online Banking lets your perform these transactions:

• Review account balances
• Verify the date and amount of your transactions; including deposits, withdrawals, transfers, and payments
• Verify whether certain checks have cleared
• Make loan payments from funds in your account
• Review loan payoff amounts and due dates
• Check current loan and savings rates
• Calculate loan payments for different amounts, rates and terms
• Obtain annual dividend and interest information
• Transfer funds between different account numbers (Please contact the credit union for this option. A separate form will need to be completed.)

How long can I be on?
There is no time limit on our Online Banking System; however, we will automatically log off your internet home banking session if you are inactive for 6 minutes (this is to ensure the security of your financial information). If this happens, you will be sent back to a page that will ask you for the Credit Union ID Number. Since this number has not been made available, you will need to close out/exit this window which will display Fox Communities Credit Union's home page. Click on the "CU@Home" icon to get to the correct "Login" screen.

How many transactions/inquiries can I do? Per visit? Per day? Per month?
Inquiries as well as most transactions are unlimited. Account restrictions explained in the disclosures received when you opened your account apply to online banking.

When do transactions post to my account?
All transactions performed will post instantly to your account. Also, funds will be available immediately upon transfer.

Is my account information secure?
It is our duty to provide you with the highest level of privacy and security when it comes to your account and personal information. We have made sure that there are many layers of security to ensure your information is secure. High security firewalls, encryption, Personal Identification Numbers (PIN's), and automatic log off are in place to protect your information.

Personal Identification Number (PIN)
A Personal Identification Number is one of our ways of uniquely identifying that you are indeed who you say you are! This special number should be shared with no one. Be Careful - if you enter your PIN incorrectly 3 times, your PIN will be automatically disabled. You must contact the credit union to have a PIN activated.

Automatic Log Off
When you are finished using the Online Banking system you must remember to log off. If this is not done, we will automatically log off for you after 6 minutes of inactivity. If this should occur, remember that all of the transactions were posted instantly to your account. Therefore, nothing is lost or undone if you were automatically logged off.

What happens if I forgot my PIN or want to change it?
If you forgot your PIN (personal identification number), call the Call Center at (920) 993-9000 to be setup with a new one.
If you would like to change your PIN, go to the menu screen and click on the option "Change PIN".

What if I have questions or problems?
Contact us.

Pay your bills online with Fox Communities Credit Union's Bill Pay! CU*EasyPay!, Your credit union bill payment solution...VIEW DEMO (this may take a while to load, but it's a great tool).

We can help make paying, receiving and organizing your bills safe, secure and easy with our Online Bill Pay service 24 hours a day, 7 days a week, right from your existing credit union checking account.

Here's all it takes to get started:

• A Fox Communities Credit Union Checking Account
• Be activated for Online Banking.
• Then, sign into your account through Online Banking and click on "Pay Bills". Here you are walked through the sign up process for Online Bill Pay. Once this is completed, this service will be available for your use within 48 business hours.
• This service is free for individual accounts.
• For business accounts, the first month you sign up is free. After that, it is $4.95 per month and .45 cents per transaction. (new fee effective May 1, 2007).

Send payments to anyone, anytime, anywhere in the United States.
Schedule repeating payments.
Schedule single payments up to a year in advance.
Check your payment progress at any time.
You have complete control.

Tips to remember:
In order to begin paying bills, you need to go to "Payee Set Up" first.
The "Payee" is the person or business of whom you are sending payment to.
When scheduling your payments, the "payment date" is when the funds are pulled out of your account. Make sure that the payments are scheduled at least 5 business days before the bill is due.
Once the payees are set up, go to "Quick Pay" and select which bill to pay, how much and when you want the payment taken out of your account.

What is an E-Statement?
E-Statements are a new timesaving alternative for handling your accounts at Fox Communities Credit Union. It's an electronic version of your monthly or quarterly credit union statement.

How do I sign up for E-Statements?
You must be enrolled in our Online Banking and have an email address to receive E-statements. Once enrolled in Online Banking, just log into your account and click "View Your Statements" to sign up.

How do I get my E-Statement?
Once signed up for this service through your account in online banking, each month or quarter, you'll get an email notification letting you know your statement is ready. Then just visit our website and log into your account in online banking.

Will I still get a statement in the mail if I chose E-Statements?
When signing up for E-Statements, you may choose to no longer receive your statement by mail or you may choose to receive your statement by mail for 6 months after you sign up.

Can I un-enroll myself in E-Statements?
Yes you can through online banking. Under the managing column, click on Personal Preferences and go to Statement Options.

What do I do if my email address changes?
Log into your account through online banking. Under the managing column, click on Personal Preferences and go to Statement Options. On the bottom of this page is where you can update your email address. NOTE: Not updating your email address may cause a delay in receiving your E-statement. If we have an un-deliverable email address and are un-able to send your E-statement for 2 months, you will be automatically un-enrolled in E-statements and will need to re-enroll yourself.

Originate Direct Deposit for Businesses
Fox Communities Credit Union can set up direct deposit for your employees. Your company's total payroll is deposited at Fox Communities Credit Union and then the individual paychecks are electronically routed to the financial institution of the employee's choice within the USA.

Contact us for more information on Originating Direct Deposit for businesses.

Benefits for Employers
The federal government reports that companies reduce payroll costs and give employees an attractive convenience by offering direct deposit.

With Direct Deposit a Business needs to:
Send payroll data to Fox Communities Credit Union in the time frame agreed upon.
Print and distribute payroll stubs to each employee.

Without Direct Deposit a Business must:
Print paper checks
Separate checks
Decollate (separate checks from carbon copy)
Send checks to signature machine
Stuff Checks into envelopes
Courier checks to distribution points
Hand-distribute checks to employees
Stop payments for lost or stolen checks
Re-issue lost or stolen checks
Deal with monthly reconciliation

How employees get set up with Direct Deposit:
To be set up with Direct Deposit, your employer must offer Direct Deposit. If they do, come into Fox Communities Credit Union and show us a copy of your deposit slip of the financial institution of where your money will be deposited.

Employee Benefits of Direct Deposit:
Convenience - no more waiting in line at the bank to deposit a check.
Timely Deposit - your deposit is consistently made on time even if you are ill, on vacation or traveling.
Quick access to funds - checks can be written instantly or the automated teller machine (ATM) can be used right away since the account was credited immediately in the morning.
Earn Dividends Promptly - because the paycheck was deposited promptly, it acquires interest as soon as possible - without delay!
Confidentiality - the check passes through fewer hands, so consequently, your financial affairs stay more private.
Less Chance of Stolen or Misplaced Checks - direct deposit eliminates this risk and assures you the safety without loss of convenience.
Additional Services Presented - when participating in direct deposit many more benefits are offered at Fox Communities Credit Union such as, Free Checking Accounts, Free ATM Cards, Free Online Banking, Free Notary Service and much, much more!

Instead of receiving a paycheck, the employer will deposit the wages to the financial institution that was chosen by you, the employee. A paper record will be handed out in place of the paycheck.

Receiving Automatic Payments/Electronic Entry
Automatic Payments or Electronic Entry are funds that are automatically pulled from a customer/client account and electronically put into your business account here at Fox Communities Credit Union. A set amount can be pulled weekly every Friday or monthly on the 1st or 15th. Many churches and insurance companies will use this for automatic payments to go into their business account at Fox Communities Credit Union.

Benefits:
Saves on check depositing fees
Free Service
Automatic - No worries!
Cuts down on billing
Funds are received in a timely manner and on a consistent basis

Payroll Deduction needs to be set up with your company. Once this is done, all employees of that company can set up Payroll Deduction with Fox Communities Credit Union.

Payroll Deduction is a credit union service that allows you to route portions of each paycheck to your accounts here at Fox Communities Credit Union. You may deposit money into your savings or checking accounts and make loan payments.

Benefits:
Save more money - Saving is easier when you pay yourself first with payroll deduction.
Flexibility - If you want to change your savings deduction all you need to do is let us know.
Confidentiality - Absolutely no one at work knows where your money is going. How it is distributed (loans, savings, Christmas Club, etc...) is strictly between you and us.
Pay less in interest – Loan payments are made automatically. When payments are made every week or every other week – the loan is paid off faster; and therefore less is being paid in interest.

Example:
You financed a $15,000 car loan for 60 months. Watch how using payroll deduction can save you money: Interest Rate=5.95%, Payment made with Payroll Deduction every 2 weeks, Payment=$145.00
You saved $204.47 in interest and reduced the length of the loan by 4 months.

Money Orders
$1.00 per check

Cashiers Checks
Members get 2 free per month, $1.00 thereafter

Card Replacements
Check Card: $5.00 if lost
Credit Card: $5.00

Notary Public Service
Free

Safe Deposit Boxes
3 x 5 = $17
3 x 10 = $25
5 x 10 = $32
10 x 10 = $55
10 x 16 = $87

Travelers Cheques
$1.00 for cheques for 1 signature, come in packets of $100
$1.50 for cheques for 2 signatures, come in packets of $100

Wire Transfer of Funds
Outgoing Domestic: $15
Western Union: $30
Outgoing Foreign: $50

US Savings Bonds

Living Trusts

Funeral Trusts

Automatic Transfers

Fees Applicable to All Account Types

Transfers
Free through Electronic Telephone Access and Online Banking.
Telephone Transfers: two free per month, $2.00 thereafter

Copy of a Statement
$2.00 per statement

Account Research and Balancing
$15.00 per hour

Stop Payments (all items)
$12.00 per item

NSF Deposit Item
$6.00 per item

Dormant Account
(no deposits or withdrawals for 24 months and aggregate account balance is less than $25.00)
$5.00 per month 

Undeliverable Statement
(unable to deliver statement for 12 months)
$25.00 per year

Overdraft Transfer
(transfer of funds from one account to another to cover an overdraft)
$5.00 per item

Non-return (each debit paid)
$18.00 per item

Non-sufficient Funds (NSF)
$18.00 per item

ATM Cash Withdrawals
Unlimited free withdrawals at any FCCU machine. Withdrawals at ATM's owned by someone other than FCCU:
Savings (without a checking): four free per month, $1.00 thereafter

Overdraft Transfer
(transfer of funds from one account to another to cover an overdraft)
Checking Plus and Select Checking - $5.00 per item
Fox Free Checking - $10.00 per item

Non-return
(each debit or check paid)
Checking Plus and Select Checking - $18.00 per item
Fox Free Checking - $22.00 per item

Non-sufficient Funds (NSF)
Checking Plus and Select Checking - $18.00 per item
Fox Free Checking - $22.00 per item

Copy of a Cancelled/Cleared Check
$2.00 per check (Free through Online Banking)

Return Original Checks
$10.00/mo

Stop Payment
$12.00 per check
$25 for a series of checks

Check Printing
(fee varies by style ordered)

Unlimited free withdrawals at any FCCU machine:

• 3401 E. Calumet Street, Appleton
• 610 E. Wisconsin Avenue, Appleton
• 825 E. Wisconsin Avenue, Appleton (Appleton Papers employees only)
• 2531 Highway Drive (OO & A), Appleton
• 306 W. Washington Street, Appleton (Post Crescent employees only)
• 1151 Westowne Drive, Neenah (Hwy 41 & Winneconne Avenue)
• 528 S. Washington Street, Kimberly
• 540 Prospect Street, Combined Locks (Locks Mill employees only)
• 1302 N. Shawano Avenue, New London
• 3 N. Main Street, Clintonville
• 278 S. Main Street, Clintonville (Inside Econo Foods)
• 515 Redbird Circle, De Pere
• 2639 Lineville Road, Howard
• 2170 S. Ashland Avenue, Green Bay
• 1313 Main Street, Green Bay
• Winnebago/Oshkosh Office (Winnebago Mental Health Grounds)

If our ATM's are not convenient for you, we joined Alliance One. This will aid our members in avoiding surcharges at ATM's owned by other participating financial institutions. ATM's that are included in this group should display the Alliance One decal. Visit Alliance One for other listings near you and throughout the United States.
Withdrawals at ATM's owned by someone other than FCCU:
Checking Plus: four free per month, $.50 thereafter
Select Checking: four free per month, $.50 thereafter
Fox Free Checking: four free per month, $1.00 thereafter