Electronic Fund Transfers (EFT's)

  Indicated below are the types of Electronic Funds Transfers we are capable of handling:

Automated Teller Machines (ATMs)
Direct Deposit (ACH)
Pay-by-Phone System (DirectLine)
Personal Computer Banking (Internet Banking and Bill Pay)
Point-of-Sale Transfers
Electronic Check Conversion

  Suggestions:  If you decide to use EFT, keep these tips in mind:

Take care of your ATM/debit card.  Know where it is at all times; if you lose it, report it as soon as possible.

Memorize your PIN for your ATM/debit card.  Never store it in your purse/wallet.

Keep and compare your receipts for all types of EFT transactions with your periodic statements.  That way, you can find errors or unauthorized transfers and report them.

Make sure you know and trust a merchant before you share any bank account information or pre-authorize debits to your account.  Be aware that some merchants use electronic processing of your check if you sign a receipt authorizing the transaction.







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