EFCU Mobile App

What are the requirements to use Eglin Federal Credit Union's Mobile Banking app?

You must be an active member with access to Home Branch. The username and password for the mobile app are the same as those used for Home Branch.

What are the hardware and software requirements for the Eglin FCU Mobile App?

Mobile Deposit is currently available on Apple devices that support iOS 8.0 and above and Android^® devices supporting OS 4.4 and above.

How do I get access to Home Branch?

Go to Forms & Applications to complete the form. If you wish to print the application, your signature must be either witnessed by an EFCU employee who can verify your identification OR be acknowledged by a Notary Public.

Where can I find the Terms and Conditions for using EFCU's online access?

Here: Online Account Access & Electronic Funds Transfer Disclosure

Is there a fee to download or use the app?

Eglin Federal Credit Union does not charge a fee to download or use the app. Your cell phone carrier may charge fees associated with your data plan.

Who can I contact for assistance?

You can call us at 850.862.0111 or 800.367.6159 x.1421, email us at Member Services, or visit any of our 9 branches. Our hours of operation are posted on our Branches & ATMs page.

What if I lock myself out of the app?

Accounts are locked out after 3 failed login attempts. To reset your account, you will need to call us at 850.862.0111 or 800.367.6159 x.1421 during normal business hours.

If I am locked out of the app, will I also be locked out of Home Branch?

Yes. If you are locked out, please contact us at 850.862.0111 or 800.367.6159 x.1421 during normal business hours in order to restore access.

Is the mobile app secure?

The mobile app uses SSL encryption to communicate securely throughout the entire process of accessing your accounts.

How long does each login session last?

Each login session lasts 20 minutes from the beginning of the session. The timer is not reset with activity.

How can I further protect my account information?

Protect your account information by taking additional steps: - Use the screen locking feature of your mobile device. - Never save your account number on your mobile device. - Always use the Logout feature of the mobile app. - Request a Home Branch password change if your device is lost or stolen. - Read "Make Your Smartphone Safe" on our Safety & Security page to learn more about securing your mobile device.

What is Mobile Deposit?

Mobile Deposit is a secure, online service that allows you to deposit checks using the Eglin Mobile Application. It is a convenient way for you to make check deposits 24/7 without having to visit a branch or ATM.

Am I eligible for Mobile Deposit?

All members in good standing are eligible for this service provided there are no locks prohibiting transactions on your account.

How do I access Mobile Deposit?

You must install the Eglin Mobile App on your mobile device. To access this service you will need to be enrolled in Home Branch and have a Home Branch PIN.

What are the hardware and software requirements for Mobile Deposit?

Mobile Deposit is currently available on iOS 6.0 and above (iPod Touch 4th generation, iPhone® 3GS and above, iPad 2 and above) and Android devices supporting OS 4.0 and above.

What are the Terms and Conditions for Mobile Deposit?

Please see Eglin Federal Credit Union's Mobile Deposit Disclosure and Agreement.

Can I deposit any check with Mobile Deposit?

You can only use Mobile Deposit for eligible domestic checks not drawn on your own account. Checks must be made payable to the owner of the account and must have the proper endorsement on the back. Checks will not be accepted if they are incomplete, post-dated or stale-dated, made payable to a third party, or stamped with a "non-negotiable" watermark. Be sure your check is legible and has no evidence of alteration or restrictive endorsement. Refer to above Disclosure and Agreement for a complete list of "Unacceptable Deposits".

Should I endorse the back of the check?

Yes. If you don't endorse the back of the check, your Mobile Deposit will be rejected. Your endorsement must include:

• Your signature
• "For mobile deposit only at EFCU" (Please note: although some checks have a preprinted checkbox to indicate a mobile deposit, checking this box does not complete the endorsement requirement. Be sure to print "for mobile deposit only at EFCU" or your check will be rejected.)
• The current date
• The account number and suffix

If the back of the check is not properly endorsed, we reserve the right to reject the check for deposit. See example endorsement below.

How will I know that a mobile deposit was accepted?

You will receive an immediate on-screen notification that the deposit was either accepted or held for review.

If my deposit was accepted, but is being reviewed, can I try to deposit it again?

No. Once the app has successfully accepted your check it is placed for review. Attempting to resubmit the check will only result in a delay and may cause additional issues, including your deposit being recognized as a duplicate. The application landing page for the Deposit Checks button will display a list of checks being held in review.

What should I do if my mobile deposit is rejected?

You may contact Member Services for assistance by emailing [email protected] or call 800-367-6159 or 850-862-0111 ext. 1402 during our regular business hours Monday through Friday 9 AM to 5 PM CT.

When are Mobile Deposits reviewed by EFCU staff?

Mobile Deposits are reviewed as soon as possible throughout each business day, Monday through Friday (except federal holidays), 8:30 AM to 5:00 PM CT. The exact timing depends on the volume of deposits in the queue. Checks deposited after the close of business, on weekends or holidays will be reviewed the next business day.

When will the funds be available to me?

Generally, the first $200 from the check deposited will be available immediately and any additional funds will not be available until the second business day after the day the deposit is accepted. You may login to Home Branch to view Account Holds on the Account Details page. Seven business day holds will be applied to checks received for deposit into accounts that are less than 30 days old. Funds you deposit may be delayed for a longer period of time if we have reasonable cause to believe the check may be uncollectable. We will notify you if we delay your ability to withdraw funds. EFCU, in its sole discretion, may modify funds availability for Mobile Deposit as it deems relevant.

I received an email stating that my deposit was posted and I see it in my account. Should I destroy the check now?

Although most check images clear the account on which the check is drawn without any problem, we ask that you retain the check in a safe place for 30 days after the deposit has posted. Be sure to mark it as an item you have already deposited so that it is not inadvertently re-deposited by you or someone else in your household.

What if I've made an error or need to speak with someone about my Mobile Deposit?

You may contact Member Services during regular business hours about your Mobile Deposit by contacting us via secure email or calling us at 800.367.6159 or 850.862.0111 x.1402.

A New Auto is one that has never been titled.
A Used Auto is one that has previously been titled.

VEHICLE TYPE	TERM	APR* (as low as)
New or Used Up to 2 Years Old	84 Months	4.49%
New or Used Up to 2 Years Old	74 Months	3.49%
New or Used Up to 3 Years Old	66 Months	2.99%
Used 4 & 5 Years Old	64 Months	3.49%
Used 6 to 10 Years Old	54 Months	3.99%
Used 11 to 15 Years Old	48 Months	4.49%

Insurance Requirements

Eglin Federal Credit Union considers a Motorcycle as new if it has never been titled or register and is 5 years old or newer.

LOAN VALUE	LOAN TERM	APR*(as low as)
Up to $10,000	60 Months	5.00%
Over $10,000	72 Months	6.75%
Over $20,000	84 Months	7.25%

LOAN VALUE	LOAN TERM	APR*(as low as)
Up to $10,0001	48 Months	6.00%
Over $10,0002	60 Months	6.00%

LOAN TERM (up to)	APR*(as low as)
60 Months	5.00%

You could save thousands by financing with EFCU.
Other than normal closing costs we do not charge any lender fees including underwriting, processing, tax service, document preparation and administrative fees. Additionally, there is no origination fee or pre-payment penalty.

Call 850.862.0111 option 3 or contact us via secure email to apply for a fixed conventional loan today.

NOT A MEMBER?
JOIN TODAY!

LOAN TERM	APR*	ORIGINATION FEE	POINTS
30 year	3.625%	0%	0
20 year	3.250%	0%	0
15 year	3.000%	0%	0

Maximum Loan Amounts & Restrictions - Fixed Conventional

1. Requires EFCU Membership.
2. Loans from $25,000 to $484,350
3. 80% Loan-to-value, 95% Loan-to-value on refinances and purchases with Private Mortgage Insurance (PMI)
4. Property must be owner-occupied, single-family, primary residence
5. Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
6. Additional fees may apply for cash-out transactions and transactions with secondary financing.
7. No underwriting, processing, tax service, document preparation, or administrative fees.
8. No origination fees.
9. No pre-payment penalty.

You could save thousands by financing with EFCU.
Other than normal closing costs we do not charge any lender fees including underwriting, processing, tax service, document preparation and administrative fees. Additionally, there is no origination fee or pre-payment penalty.

Call 850.862.0111 option 3 or contact us via secure email to apply for a fixed conventional loan today.

NOT A MEMBER?
JOIN TODAY!

LOAN TERM	APR*	ORIGINATION FEE	POINTS
30 year	3.625%	0%	0
20 year	3.250%	0%	0
15 year	3.000%	0%	0

Maximum Loan Amounts & Restrictions - Fixed Conventional

1. Requires EFCU Membership.
2. Loans from $25,000 to $484,350
3. 80% Loan-to-value, 95% Loan-to-value on refinances and purchases with Private Mortgage Insurance (PMI)
4. Property must be owner-occupied, single-family, primary residence
5. Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
6. Additional fees may apply for cash-out transactions and transactions with secondary financing.
7. No underwriting, processing, tax service, document preparation, or administrative fees.
8. No origination fees.
9. No pre-payment penalty.

You could save thousands by financing with EFCU.
Other than normal closing costs we do not charge any lender fees including underwriting, processing, tax service, document preparation and administrative fees. Additionally, there is no origination fee or pre-payment penalty.

Call 850.862.0111 option 3 or contact us via secure email to apply for a fixed conventional loan today.

NOT A MEMBER?
JOIN TODAY!

LOAN TERM	APR*	ORIGINATION FEE	POINTS
30 year	3.625%	0%	0
20 year	3.250%	0%	0
15 year	3.000%	0%	0

Maximum Loan Amounts & Restrictions - Fixed Conventional

1. Requires EFCU Membership.
2. Loans from $25,000 to $484,350
3. 80% Loan-to-value, 95% Loan-to-value on refinances and purchases with Private Mortgage Insurance (PMI)
4. Property must be owner-occupied, single-family, primary residence
5. Property must be located in one of the following Florida counties: Escambia, Santa Rosa, Okaloosa, Holmes, Walton, Bay & Washington.
6. Additional fees may apply for cash-out transactions and transactions with secondary financing.
7. No underwriting, processing, tax service, document preparation, or administrative fees.
8. No origination fees.
9. No pre-payment penalty.

Home Equity loans are available from $5k to $150k for first mortgages (10 year term) or second (5, 10 or 15 year terms) mortgages on owner-occupied, single-family, primary residences.

INTEREST RATE	MAXIMUM COMBINED LTV** (TLTV)
5.25% APR*	80%

Home Equity Line-of-Credit is available from $5k to $150k for first or second mortgages on owner-occupied, single-family, primary residences.Once you have established your Home Equity Credit Line, you may use your Home Equity Mastercard^® to make purchases, up to your credit limit.

Unimproved property loans are available from $5k to $150k on residential lots and non-commercial raw land (20 acres or less).

MAX TERM	APR*
5 years	8.50%
10 years	9.00%

Maximum Loan Amounts & Restrictions - Unimproved Property

1. Requires EFCU membership.
2. Loans from $5,000 to $150,000.
3. Loanable equity is determined by 80% of appraised value or purchase price; whichever is less; or 100% of tax assessed value
4. Property must be residential or non-commercial raw land, 20 acres or less.
5. In an effort to provide the most fair and accurate Loan Estimate to assist you in comparing between lenders, please thoroughly complete the credit application with accurate information and figures.
6. A Mortgage Services team member may be in touch should we find that further information is needed pertaining to your loan request.

We offer Construction/Perm loans from $25,000 to $484,350 on residential property for owner-occupied primary residence. Call 850.862.0111 option 3 or contact us via secure email to apply for a construction/perm loan today.

NOT A MEMBER?
JOIN TODAY!

MAX TERM	APR*
9 months	5.50%

BILL PAYER AGREEMENT

Opt-In/Opt-Out for Courtesy Pay for Debit Card POS Transactions
To indicate your preference for Courtesy Pay or for information about other alternatives we offer for covering overdrafts, please contact us:

• In person at any EFCU branch location.
• By phone at 850.862.0111 or 800.367.6159 option 4.
• Through our website at www.eglinfcu.org/forms
• Log in to Home Branch and select 'Courtesy Pay' under 'My Profile' in the navigation bar.
• If you Opt-in for Debit Card POS Transactions, you may also revoke your authorization for Courtesy Pay using any of the above options.

Please refer to the following guidelines for providing your account number:

• For Checking and Savings Accounts:Please provide your full 5-digit or 6-digit Account Number when authorizing electronic debits or credits.
• For Money Market accounts: If you have a 6-digit account number you will need to add "990" to the beginning of your account number, if you have a 5-digit account number you will need to add "9900" to the beginning of your account number.

If you have pre-printed EFCU checks, the Routing & Transit Number and Account Number begin at the bottom-left of your checks, with the routing number listed in the first section and the account number in the second.

How do I sign up?

You may enroll for eStatements online through Home Branch. If you don't have Home Branch, you may download an application here. Primary members on accounts may sign up for service online through Home Branch.

What is it?

eStatements enable you to access your Credit Union account statements online instead of receiving a paper copy in the mail. The statement will look identical to the one you currently receive. Inserts that are normally mailed with the statements, such as the newsletter, inserts and other notices and disclosures including but not limited to your annual Privacy Notice, general membership notices, and any change-in-term notices to your share accounts, loan accounts, and your access devices, will be available through the Menu of services listed in Home Branch.

How much does this service cost?

This service is free to all EFCU members with accounts in good standing.

What do I need to view my eStatement?

You must have access to EFCU Home Branch. You will need a computer with a current version of a web browser, access to the Internet, and a current version of the free Adobe Reader software. If there are any changes to these requirements we will post them on our site, eglinfcu.org.

How long will my statements be saved and be made available for viewing?

We will archive 13 months of eStatements for you to access electronically. The first month after you sign up to receive statements electronically begins the history of statements accessible for your reference.

Will I be able to print or save a copy of my eStatement?

Yes. You will have the option to print a hardcopy from the electronic version or save to a disk. Please note that eStatements are encrypted during transmission to your personal computer. However, the files are not encrypted once delivered. You are responsible for protecting copies of eStatements you have printed or saved.

What security methods are used to protect my eStatement?

Access to electronic statements is protected by using your Home Branch password as the only avenue of access. You will not need to remember a new password to access your electronic statement. The statement is stored behind firewalls and is transmitted to your Internet browser using 128-bit SSL encryption.

Can I get my eStatement emailed to me instead of accessing my Home Branch?

No. Email is not a secured method of sending your statement.

What if I want to cancel my eStatement?

There is no fee associated with accessing your statement by electronic means and there is not a penalty for choosing to go back to paper statements. Cancel the service by phone, email, mail, or in person at any one of our branches.

What are the benefits of receiving my statement electronically?

Besides being an excellent way to help our environment, going paperless is also a fast, convenient and safe way to view your monthly statement. The eStatement will be available during the first week of the statement cycle. You can then access your statement from your computer at your convenience. You can also relax knowing that the statement will not get lost in the mail.

Will I also be able to view my Mastercard^® statement with eStatements?

No, however, your Mastercard statements and transactions can be viewed on the eZCard website. While logged into Home Branch you can click on Accounts / Accounts Summary / Credit Card Description to be redirected and logged into the eZCard website where you will be able to access your account details.

Can my eStatement be exported to other programs?

No. EFCU eStatements cannot be saved as a text file and imported into Microsoft Word or any other text program. eStatements can only be saved as PDF files.

Car, Truck or Van Loan

Boat Loan

Motorcycle Loan

Recreational Vehicle Loan

Personal Watercraft Loan

Personal Signature Loan

Line of Credit Signature Loan

Platinum Mastercard

Rewards Mastercard

HELOC Mastercard