Afena Federal Credit Union (Afena FCU) requires that all the visitors to our site(s) on the Internet (the "Site") adhere to the following rules and regulations. By accessing the Site you indicate your acknowledgment and acceptance of these terms and conditions.
Afena FCU maintains this Site to provide you with information about Afena FCU products and services and to facilitate communication with Afena FCU and its related companies. Your access to and use of the Site are subject to these terms and conditions and all applicable laws and regulations. From time to time we may revise these terms and conditions.
Copyright in the pages, screens, text and images appearing at the Site are owned by Afena FCU or others as indicated. You may copy information from the Site for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear, on the pages copied. The information and materials may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes, except as provided in these terms and conditions without the expressed written permission of Afena FCU.
You may not be eligible for all the products or services described. Afena FCU reserves the right to determine the eligibility for any product or service.
Any communication or material you transmit to us via the Site or Internet electronic mail is on a non-confidential basis with no promise by Afena FCU not to use such communication or material for any purpose whatsoever, including reproduction, publication, broadcast and posting.
We will use our best efforts to include accurate and up to date information on the Site, but we make no warranties or representations as to the accuracy of the information. You agree that all access and use of the Site and its contents is at your own risk. By using the Site, you acknowledge that we specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with your access to or use of the Site, (even if we have been advised of the possibility of such damages) including liability associated with any viruses which may infect a user's computer equipment.
With regard to services or products purchased or obtained by the user from a non-Afena FCU person or entity, Afena FCU makes no warranty of merchantability or warranty of fitness for a particular purpose with regard to such services and products and Afena FCU specifically disclaims all other warranties with regard to said services and products.
You agree that your use of this site shall be governed by Indiana law and agree that venue shall be located in Marion, IN.
Use & Access Agreement for Afena Federal Credit Union's CUonline
This Use and Access Agreement ("Agreement") for accessing your Afena FCU accounts via CUonline explains the terms and conditions governing the following online services: banking, CUonline Bill Pay and other banking services offered through CUonline. You agree to abide by the terms and conditions of this Agreement. This Agreement will be governed by and interpreted in accordance with federal law and regulation and to the extent there is no applicable federal law or regulation by the laws of the State of Indiana. The terms "we," "us," "our," "Afena FCU" and "Credit Union" refer to Afena Federal Credit Union. "You" refers to each signer on an account. The term "business days" means Monday through Friday, excluding Saturday, Sunday and Federal holidays. CUonline can be used to access certain Afena FCU accounts. The applicable account disclosure statement "Membership and Account Agreement" also governs each of your accounts at Afena FCU.
Accounts Accessible through CUonline:
Transfers (to and from)
Transfers (to and from)
CUonline Bill Pay
Regular Club Accounts
Christmas Club Accounts
Certificates of Deposits
IRA Savings (Traditional, Roth, Education)
IRA Certificates (Traditional, Roth, Education)
Health Savings Account
HELOC (Home Equity Line of Credit)
Goldline (Line of Credit)
Vehicle, Mortgage & Other Loans
The first time you access your Afena FCU accounts through CUonline or CUonline Bill Pay confirms your agreement to be bound by all the terms and conditions of this Agreement and acknowledges your receipt and understanding of this disclosure.
Transferring Funds – The number of transfers from a savings account is limited as described in the applicable Account Disclosures. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.
We will tell you the results of our investigation within ten (10) business days, or twenty (20) business days in the case of point of sale purchases, after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days, or ninety (90) days in the case of point of sale or transactions involving new accounts from the date of the first deposit, to investigate your complaint or question. If we decide to do this, we will give provisional credit to your account within ten (10) business days, or twenty (20) business days in the case of point of sale or transactions involving new accounts from the date of the first deposit, for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days of this request, we will not credit your account. If we determine that there was no error, we will send you written explanation within three (3) business days after we finish our investigation and debit the amount of the error that we previously credited. You may request copies of the documents that we used in our investigation.
Afena Federal Credit Union's Right to terminate this Agreement – The Credit Union reserves the right to terminate this Use and Access Agreement and your access to CUonline, in whole or in part, at any time.
Assignment – Afena Federal Credit Union may assign or delegate certain of its rights and responsibilities under this Use and Access Agreement to independent contractors or other third parties.
If your password has been compromised and you tell us within two (2) business days after your learn of the loss or theft, you can lose no more than $50 if someone used your password without your permission to access a Afena FCU deposit account. If you do NOT tell us within two (2) business days after you learn of the loss or theft, and we could have stopped someone from taking money without your permission had you told us, you could lose as much as $500.00. Also, if your statement shows withdrawals, transfers or purchases that you did not make or authorize, please notify us at once. If you do not notify us within sixty (60) days after the paper or online statement was sent to you, and we could have stopped someone from taking money if you had told us within that time, you may not get back any money lost after the sixty (60) days. If extenuating circumstances, such as a long trip or hospital stay kept you from telling us, the time periods in this section will be extended.