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FAQs

How can I do a better job of managing my money?

Being smart with your money establishes a great foundation for your future.

Financial literacy education develops the skills you need to achieve financial freedom. That's why the FDIC developed the Money Smart financial education curriculum -- to help individuals learn the basics of personal finance. We want to provide you with all the tools you need to make smart decisions with your money and your financial future.

Money Smart is a free 10-week course you can complete at your own pace, available in young adult and senior adult versions, all either online or on CD. The course includes: basic banking knowledge, borrowing, checking, and savings, budgeting, keeping your money safe, building and protecting your credit, and owning your home.

To take the online Money Smart course go to: http://www.fdic.gov/consumers/consumer/moneysmart/mscbi/mscbi.html

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How do I protect my identity?

Credit Report
Go to www.annualcreditreport.com-the ONLY authorized source under federal law. Take me to the authorized source. Request a copy of your credit report up to three times annually at no cost to you. It tells you whether anyone has applied for credit in your name, and may reveal accounts being used without your knowledge, with the bill being sent to a different address.
Credit Cards
Sign new cards immediately. Store them safely - They are money! Only carry the cards you will use. Don't write your PIN # on your card. Shred documents that show your account number before discarding. Don't give your card number over the phone, unless you initiated the call. Remember to get your card and receipt after a purchase, and double check they are yours. Notify the credit card company immediately if your bill is incorrect, or your card is lost or stolen. Check your bill carefully, and notify the credit card company if you don't receive it on time.
Mail
Don't write your credit card number or social security number on a postcard or the outside of an envelope. Collect your mail promptly. Have your mail held if you'll be out of town or on vacation. Use collection boxes or the post office for outgoing mail if your home mailbox is unattended. Opt-out of receiving pre-approved credit offers and annoying telemarketer calls by registering at www.donotcall.gov.
Internet
Never e-mail your credit card number or social security number. Check carefully that you are on the page you intend, and not an imposter's page. Use only secure web pages for online ordering. (You should see the padlock on the status bar of Microsoft Internet Explorer pages where a credit card number is requested.) Online credit applications which request a social security number should also be on secure web pages. (Look for the padlock.) Use anti-virus and personal firewall software, and keep it updated.

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Does First United Security Bank charge for Online Bill Pay?

No. Online Bill Pay is absolutely free and very user friendly. Visit our Online Bill Pay page to learn more or apply. To download an Internet Banking application, click here.

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What are my options regarding transferring funds between First United Security Bank accounts?

The easiest and quickest way to transfer funds between First United Security Bank accounts is through our convenient internet banking service. You can also transfer monies between accounts by dialing our automated line at 1-800-467-4416 or 334-636-0807 in the Thomasville area. You may also complete a telephone transfer during business hours ($2.00 fee) or by visiting one of our banking offices. If you would like to initiate a recurring automatic funds transfer, please drop by any branch to sign up.

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Why am I limited to a dollar amount on my daily purchases with my debit card??

The daily limit for Point of Sale (POS) and ATM transactions is determined by the type of checking account that you maintain with First United Security Bank. Budget and Student checking both carry a $400 daily limit; Regular and Advantage Checking each have a $500 limit; and, Reward Checking, Advantage 50, Advantage 50 Plus and First Checking all have a daily limit of $750. This is a security measure for your protection. If you have any questions, contact your loan officer.

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How long will it take me to get my ATM/CheckCard?

Under normal circumstances, you should receive your ATM/CheckCard within 7 to 10 business days.

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How do I make sure my CheckCard is secure?

We are protected by a fraud prevention company that constantly monitors all transactions made by the cardholder, and alerts us and possibly you immediately of any potentially fraudulent activity.

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How can I view a Quick and Easy Guide to internet banking and Bill Pay?

All you will need to do to view a Quick and Easy Guide to internet banking and Bill Pay is Click Here.
Click here to view out online security agreement.

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Can I view my transactions at any time?

Yes, with internet banking, you have “real-time” access to your account information 24 hours a day, 7 days a week! "Real time" means most  transactions post to your account as soon as they are received for processing.

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Can I wire money?

Customers can wire money through any of our local branches. The fee for US wire transfers is $15.00. The fee for international wire transfers is $50.00.

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Can I change my Personal Identification Number (PIN) on my CheckCard?

Yes, your PIN can be changed, but the change will NOT take place immediately. You can go to your local branch and fill out a form to have your PIN reset. Or you can call in, and after verification, your PIN can be reset. You can also change your PIN at the ATM, but you must know the original PIN to do so.

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How much do I need to save for my child's college education?

You may find this and many other helpful savings calculators on the Financial Calculators Page listed under the Resource Center tab.

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I have lost my First United Security Bank CheckCard. What do I do?

As soon as the card is detected missing contact your local branch during normal business hours. For after hours and weekends, call 1-866-546-8273.

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How do I stop payment on a personal check?

You can request a stop payment on a personal check by calling (334) 636-5424, or by visiting or calling the branch nearest you. Within 14 days of the time you call, you will need to visit the branch and complete a Stop Payment form to keep it effective for six (6) months. Please provide the following information: check number, date written, exact amount of the check, and payee. If the amount and check number are not exact, the check may be paid. The stop payment cannot be placed on an item that has already been presented. A stop payment will be effective for six months. A confirmation notice will be sent to you. We ask that you contact us if any information on the confirmation is not correct. For further information regarding stop payments, stop payment fees, or bank and customer responsibilities please refer to Fees and Service Charges.

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Why is a Routing number important and where do I find it?

A routing number is a bank identification number that assists in the processing of debits and credits between financial institutions. Each bank is assigned a routing number by Thomson Financial Publishing Inc., as agent for the American Bankers Association (ABA). Any time you want to set up a direct deposit to a checking account or an automatic bill payment from a checking account, you must give the processor your correct routing number. The routing number identifies the paying bank on the face of a check in two forms: A fractional form normally located in the upper right hand corner and a nine digit form printed in magnetic ink in a strip along the bottom of the check. First United Security Bank’s nine digit routing number is 062103592.

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What is Overdaft Privilege and how does it work?

Overdraft Privilege™ is a service we extend to all consumer checking customers who maintain a positive balance the first 30 days from account opening. It allows you to overdraft your account up to the limit provided with your checking account. For a chart of protection limits, visit our Checking Services section.

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What is the difference between Overdraft Privilege and Security Protection?

Security Protection is actually a loan product. You can protect yourself from embarrassing overdrafts, and save the fees associated with merchants as well with Security Protection. Based on credit approval, a credit limit would be available for when you have to write a check and the funds are not yet available in your account. Drafts are made in $100 increments to cover checks that are written. Overdraft Privilege™, however, is not a loan product. And you are not charged interest for the time that you use Overdraft Privilege funds. The normal overdraft fees apply with Overdraft Privilege, but your checks are paid to the merchant.

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How do I access my account online?

Using internet banking and our mobile banking app you can access most of your checking, savings, CD, IRA, loan and line of credit account information. You may also transfer funds and pay bills online. To download an internet banking application, click here.

Of course, you may also visit any one of our 19 locations or 11 ATMs.

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What is telephone banking?

Telephone banking is a free service at First United Security Bank to assist you with your banking needs over the telephone. Our free automated banking system is a fast and convenient way for you to do your banking with First United Security Bank. For your initial PIN (personal identification number) assignment, please contact your nearest branch. It is accessible 24 hours a day, 7 days a week and allows you to check your balance, transfer funds, change your PIN, and much more. Customers in the Thomasville area may call (334) 636-0807. All other customers may call 1-800-467-4416.

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I have forgotten my First United Security Bank internet banking password. What should I do?

If you have forgotten your internet banking password you may request that it be reset, by clicking on the “reset my password” button on the login screen. Your new and temporary password will be emailed to you. You will then be asked to reset it to something only you will know.

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Can business customers use internet banking?

Yes! We offer a full range of online checking and loan products for businesses of all sizes. In addition to free Bill Pay, we offer internet banking providing real time online access to account information through the Internet. "Real-time" means that most transactions post to your account as soon as they are received for processing.

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How do I change my address?

Please visit any one of our 19 offices to take care of this change.

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Does your bank accept Powers of Attorney?

We will accept a durable Power of Attorney drawn by your attorney; however, it will not become effective until it has been reviewed and approved by our legal counsel.

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