Online Services

How much does Access My Account cost?
Access My Account is free to members of AgFirst Federal Credit Union.

How do I apply to use Access My Account?
AgFirst Federal Credit Union members may call 1-800-845-1745 ext 278 or 803-753-2278 to request an application. You may also apply by clicking on “Learn more about Access My Account and how to enroll” located under the NCUA logo on the login page. Click “Not Enrolled, Enroll Today” under On-Line Enrollment, then complete all requested fields under member information and user identification, then click submit. Your request will be sent to our office for processing and you will be contacted with your initial login password.

Why are the verification questions on the application important?
The verification questions and the answers you give may be the only means we have to verify your identity. Verification questions should be chosen so that only you would know the correct answer. Do not share your questions or answers with others!

What additional hardware and software will I need to have this service?
Obviously, if you are viewing this information you already have a computer and Internet service. In addition, you will need a 28.8kps or higher modem and an Internet browser such as Microsoft Internet Explorer 5 or higher or Netscape 4 or higher with 128-bit encryption. Your browser MUST have 128-bit encryption.

What if I don't have the needed version of Microsoft Internet Explorer or Netscape?
You can download the needed version by clicking on "Learn About Access My Account" under the sign-in area. This will take you to an information page. Go to the bottom of the page and chose the browser that you will be updating (Microsoft Internet Explorer or Netscape). This will take you to the browser site for downloading the updated version.

Is there another way to reach Access My Account other than through the AgFirst Federal Credit Union website?
NO! You must go to www.agfirstfcu.com to get to Access My Account. The Access My Account button is on the Home Page. You will not be able to access the site any other way. You may want to bookmark the site as a favorite place.

Can I pick my own password?
Yes. Once you sign on with the initial password provided by us you must change it. Your password can be any combination of eight (8) digits and letters but it must contain at least 1 digit and 1 letter. It is best not to use capital letters in your password. Remember to keep your password secure and do not share it with others!

Can I change my password anytime I want?
Yes. Just click on “Preferences” under “Profile” on the Home Page, and then click on “Change Password”.

If I forget my password, what do I do?
You will need to call AgFirst Federal Credit Union 1-800-845-1745 ext 278 or direct at 1-803-753-2278 between the hours of 8:30 and 4:00 Monday through Friday. After you answer your verification questions, a new password will be assigned. For security purposes we do not send out new passwords by email.

How long before I have to change my password?
Passwords are good for 180 days.

If the system says that I am “Locked Out” what do I do?
A “lock out” occurs when too many attempts have been made to access the system with the wrong password. You will need to wait approximately three hours to try again or you can call the credit union at 1-800-845-1745 ext 278 to request that the “lock out” be cleared. This number is good only during the hours of 8:30 A.M. to 4:00 P.M. Monday through Friday. Please make sure that the “cap lock” key on your keyboard is not “on” when entering your password.

If I have questions once in the site, whom do I call? Is help available?
Yes, please call 1-800-845-1745 ext 278 between the hours of 8:30 A.M. and 4:00 P.M. Monday through Friday.

If I make a transaction through Access My Account, how soon will the funds be transferred or taken out of my account?Access My Account is in real time. As soon as you make a transaction the funds are moved and your balance is changed.

If I request a withdrawal from my account where will the check be sent?
All checks generated through Access My Account are mailed to the address of record on the system the next business day (Saturday’s excluded). Special mailing requests cannot be honored.

How can I tell which is my savings or checking account?
You can give each account a nickname such as “Herb’s Funds”, “Car Loan”, “Mad Money” whatever you like within the parameters of the system. Accounts may currently have the followings designations:
Savings accounts are identified as "Share/Savings" accounts.
Checking accounts are identified as "Draft/Checking" accounts.

Account ID 000 is a regular share (savings) account.
Account IDs 010 - 019 are draft (checking) accounts.
Account ID 020 is a share Traditional IRA account.
Account ID 025 is a share Roth IRA account.
Account ID 028 is a share (savings) Coverdell Education account.
Account IDs 030 - 039 are regular share (savings) sub accounts.
Account ID 050 is a Christmas Club share (savings) account.
Account IDs 070 – 089 are share term certificate of deposit accounts.
Account IDs 090 – 099 are share term certificate of deposit IRA accounts.

To give your account a nickname, click on “Preferences” under “Profile” on the Home Page, and then click on “Account Names”. Enter your nicknames for the accounts and click on “Submit Alias”.

Why can't I draw less than $100 from my line of credit or overdraft account?
The $100 minimum was established when the loan account was initially set up. The minimum is in accordance with our credit union policy. If you try to transfer less than $100 you will get the message "Sorry, we were unable to process your request at this time. Please try again later or contact member services for assistance." If your line of credit is currently due for a payment (on or after the due date) then you will not be able to draw on the line until the payment is made. You will get a message saying the account is delinquent.

Why can't I draw less than $500 from my Home Equity Line of Credit account?
The $500 minimum was established when the loan account was initially set up and is in accordance with your home equity line of credit loan documents.

I tried to download to Quicken and it did not work. What's up?
Access My Account no longer supports Quicken.

I click on the Access My Account logon button and nothing happens? What gives?
You may not have a correct version of the browser. You must use Microsoft Internet Explorer 5.0 or higher, or Netscape 4.0 or higher. You must also have 128-bit encryption. The 128-bit encryption is crucial.

Is there a time limit for an Access My Account session?
No, but if you are inactive for twenty (20) minutes, the system will automatically log you out.

Must I use the "Log Out" button to log out?
YES! YES, most definitely. Do not log out any other way. Using the logout button assures the system that you have ended the session.

What hours is Access My Account available?
Access My Account gives you access to your account - 24-hours a day, 7 days a week.

I am unable to transfer funds between my accounts and/or to my loan accounts because the system says I am delinquent. What gives?
The system will not allow transfers or withdrawals if an account is delinquent. You will have to call the credit union to transfer funds from say your savings account to you loan account to make a payment to clear the delinquency. Once the delinquency is cleared the on line services will be reinstated the next day.

How will transactions I do through Access My Account be noted on my account history?
Transactions you make through Access My Account will appear on your history as “My Account Trans”.

tried to transfer funds from my savings to my checking account – why didn’t it work?
At the “Confirm Transaction” screen (it shows both “Transfer From” and “Transfer To”), you must click the “accept” button once. You should then see a screen with the heading “Transaction Successful” that tells you the transfer was processed. You should now be able to see the funds in the appropriate account when you do an account inquiry.

Can I do schedules transfers between my credit union accounts?
Yes. Under “Transactions” go to “Auto Transfers”, then “Schedule Transfers” and follow the instructions.

What other services are available through Access My Account?
By signing up for Access My Account, you may request that you receive E-Statements instead of paper statements. Each time a statement is generated you will receive an e-mail that your E-Statement is available through Access My Account. You can sign up for E-Statements by clicking on the E-Statement button on the home page of Access My Account. You must enter the email address you want to receive your e-mail notification through this sign up.

You may also be able to pull up images of checks that have cleared your share draft checking account through Access My Account. Checks on prior statements may be retrieved and printed at no charge. Checks that have cleared in the current month may be retrieved and printed at a cost of $1 per check.

What is Multi-Factor Authentication (“MFA”)?
MFA is another level of security that has been added to the login procedure of Access My Account. It helps guard against fraudulent online activities like “Phishing” and identity theft by letting you know you are at our legitimate Access My Account site and not a site made to look like ours.

How do I enroll in MFA?
You must enroll in MFA after your first site visit. When you login you will be taken to a page that will require you to come up with a phrase that only you would recognize. The phrase must be between 3 and 16 characters in length. Also, on this page will be 3 drop down boxes with questions. You must select and answer one question from each box. Make sure you pick questions that you readily know the answers to but others do not. If you are working from your home computer you may want to click the box to register your computer. This will place a “cookie” on your computer that the site will recognize the next time you login. If you do not register your computer, you must answer one of the three questions you answered previously to enter the site each time you login. The system will assign a random image to you. Every time you enter your member number your assigned image will appear and under it will appear your secret phrase. If you do not see your image and phrase do not enter your password, STOP and call the credit union immediately for you are not at our official site. If your image and phrase do appear, you may enter your password and it should take you to Access My Account’s Home Page.

You may register your home computer and your work computer, however, never, ever register a commonly used public domain computer – such as at a library or coffee shop.

How does MFA work?
When you enroll in MFA, a random image will first be assigned to you. You can change this image once the set-up process is complete. You will also be asked to come up with a short phrase known only to you. Whenever you log in to Access My Account, the system will display the image you selected and beneath the image your phrase so you can feel confident that you are accessing our site and not an imposter site.

The system will also check the computer that you are using to access our site. Typically you will access your account from one or two computers, such as your work and home computers. If you register your computer when you go through the set-up process, the system places a cookie on your computer so that it can recognize that computer when you next try to log on. You can register both your home and work computers. If you log on from a different computer, the system will take additional steps to verify your identity, such as asking you to provide the answers to your challenge security questions you selected and answered during the set up process. It is extremely important that you select challenge questions that only you would know the answers to.

Can I change my secret image and/or phrase?
Yes, you can change your secret image and phrase at any time. Once you log into Access My Account look for the MFA Preference button on the left side of the Home Page.

When I try to log in to the site I do not see my secret image and phrase, what gives?
NEVER EVER ENTER YOUR PASSWORD WITHOUT SEEING YOUR PERSONAL SECRET IMAGE AND PHRASE. You have somehow been directed to an imposter site. SCREEN PRINT THE PAGE AND EXIT IMMEDIATELY. ENTER NO INFORMATION. If you encounter this during hours the credit union is open, please call us immediately. If we are closed, please send us an email regarding the matter. Please include the time, date, internet address, and the computer you were using (work or home) in the information in the email. Send this information to creditunion@agfirst.com.