VaCap Federal Credit Union

Remote Banking

Home Banking and Audio Response Enrollment Form

(Web version)

I.                    Check one option:

____I want to enroll for VaCap FCU Audio Response (AR).  Please use the PIN/Password that I have indicated on the PIN/Password Request Form.

____I want to enroll for VaCap FCU Home Banking (HB) and currently have Audio Response (AR).  I will use my AR PIN/Password the first time I sign onto Home Banking.

____I want to sign up for both Audio Response (AR) and VaCap FCU Home Banking (HB).  I will use the PIN/Password that I have indicated on the PIN/Password Request form the first time I sign onto Home Banking.

II.                  Complete the information requested

III.                If desired, establish Member-to-Member Transfer Authorization

In order to set up your account for transfers to a different account/member number, establish proper authorization by completing the section below. Please note that, for security reasons, you must be an owner or joint-owner on all accounts you are transferring to or from.  Do not use this section for sub accounts within the same account number.  It is to be used with different member account numbers.

Transfer from: ____________________                            Transfer to: _____________________________

(Should be the account number listed above)                                                                   

Transfer to: _____________________________

Transfer to: _____________________________

IV.               Sign the agreement:

I acknowledge that I have the option to receive the Remote Banking (Audio Response and Home Banking) Agreement by printing directly from the Website, and that the credit union will mail one to me upon receipt of my Enrollment Form. I understand that I will receive the Electronic Funds Transfer Agreement and Disclosure and the Fee Schedule upon receipt of my enrollment form.  I understand and agree to all terms and conditions.  I hereby authorize VaCap Federal Credit Union to activate the electronic service I have indicated above.

_________________________________  _______            __________________________________   ________

Member's Signature                                  Date              Joint Owner's Signature                                Date          

V.                  Bring or mail this completed form to any VaCap FCU branch to be set up for Audio Response or Home Banking.  Call us with any questions at 804-359-8754  Option 3.  Mail this form to:

VaCap Federal Credit Union

 Attention Member Services: W. Jones

 1700 Robin Hood Road

             Richmond Va  23220

Audio Response and Home Banking Agreement

Keep this agreement as part of your records.

By signing a VaCap Remote Banking Access Enrollment Form, I understand and agree to the following:

1)      I understand that I will be bound by the terms and conditions of the VaCap Audio Response and Home Banking Agreement, the VaCap FCU Electronic Funds Transfer Agreement and Disclosure (Regulation E) and the VaCap Fee Schedule, which the Credit Union may amend from time to time.

2)      I am at least 18 years of age.

3)      I understand that once signed onto Home Banking, my account is “LIVE” until I click on the “SIGN OFF” icon, answer the prompts and return to the VaCap FCU Home Page.  A live account left unattended could be compromised by anyone else who uses the computer.

4)      I understand that Bill Payer Service (Bill Pay) is available to qualified members enrolled in Home Banking.  I understand that I must go through a separate on-line approval process to have access to Bill Pay.  If approved for Bill Pay, I understand that my primary share draft/checking account will be debited each month for the service charge after my initial free period.  This fee may increase from time to time.  The current fee is found in the VaCap Fee Schedule provided to me at the time I signed up for Home Banking. 

5)      In addition to the current non-sufficient fund (NSF) fee charged by VaCap FCU for returned checks, Bill Pay subscribers are charged an additional $25 fee (currently a total of $55).  The latter fee is charged by the third party vendor. 

6)      I understand that VaCap reserves the right to limit access to the account by Audio Response or Home Banking if there is a question as to ownership rights.

7)     I understand that not all accounts will be accessible through Audio Response or Home Banking. Accessibility is determined by the type of account and any unusual conditions that may exist.

8)      I acknowledged on the Audio Response and Home Banking Enrollment Form that I will receive a copy of this agreement after it is submitted to the credit union or that I received one at the time I applied for the Audio Response or Home Banking Service. I understand that I may request an additional one at any time. 

9)      I understand that my PIN can be used to withdraw or transfer funds from all sub-accounts under this account number, and that I must safeguard my PIN. I understand that anyone with whom I share my PIN shall be considered an Authorized User and will have access to all sub-ac0counts on the account regardless of the account ownership on the signed membership account cards.  I authorize the Credit Union and its agents to follow any instructions transmitted by use of these codes, and I agree to be bound thereby. I hold the credit union harmless from any activity or transactions performed as a result of sharing my PIN.

Keep this Agreement as part of your records.

  Do not return to the credit union.

PIN/Password Request Form

Please enter the PIN number below you would like for your VaCap Audio Response access. For security purposes, do not enter your account number on this form.  Attach this form to the Remote Banking Enrollment Form and return in a sealed envelope to the credit union.  Do not enter the PIN/Password on the enrollment form. DO NOT FAX or EMAIL the PIN/Password Request Form to the credit union. Return it by mail or in person.

 For your protection, this form will be opened in a secure environment, entered on the computer system and then destroyed. Credit union staff members will not be able to tell you your PIN/Password.  If you forget your PIN/Password, we will reset it after establishing positive identification with you.

Requested PIN/Password (Any combination of 4 letters or number):

      ______   _____   _____   _____

Return this form to the credit union with the Enrollment Form.