-Share accounts (S1)
-Share draft accounts (S71, S72, S73, S74, S75)
-Revolving Lines of credit (L25, L84)
(*Note-S66 is not allowed because it is not a transactional account) 

Yes, Please see the current fee schedule for the amount.
Some ATM owners may assess an additional user's fee 

Unlimited transactions, as long as the daily limit is not exceeded. The dollar limit of withdrawals is $800 per day, in increments of $200. Increments may vary, depending on the financial institution that owns the ATM. 

No 

The difference is that for an ATM card, a PIN (Personal Identification Number) must be selected by the member, and the card gets activated on our system. A member card does not get a PIN, nor does it get activated on our system. The membership card is used to conduct any type of transaction with FirstLight FCU. Because the account number, picture and signature appear on the card, it is used for identification purposes. 

No. Non-credit union ATMs may carry charges from the financial institution that owns that ATM. The fee is only waived from our end. 

There is no cost for bill pay. It is FREE! 

When adding a payee for the first time, please allow up to 8 business days for the payment to post. During this time, our payment processor partner will contact the merchant to verify the address, account number and method of payment (electronic or check). Once this is done, any future payments will take either two business days if paid electronic or six business days if paid be check. Bill Pay will show how many days the funds will take to arrive. 

This information can be viewed by clicking on Payments then on Payment Center. There is a 'Send On' field and a 'Deliver By' field. If there is 2 business days in between these two fields, then it is paid electronically. If there is 5 business days in between, the it is paid by check. 

If the payment was sent electronically,there is no way of stopping an electronic payment. The member would need to contact the merchant for a refund. If the payment is sent out via check and the check has not cleared, a stop payment can be placed. The member will be responsible for a stop payment fee and any fees assessed by the merchant.  

Please call 800-351-1670 or 915-562-1172 or email us at cumail@firstlightfcu.org and we will be able to assist you in cancelling your bill pay service. 

Here's how you can begin paying your bills online for FREE! Please print a copy of these instructions. It will make it easier to follow while signing up for the service.


1. Login to Online Banking
2. Click 'Sign On'
3. Click 'Pay Bills'
4. Read the Electronic Funds Transfer Agreement and click on continue if you agree.
5. Select the appropriate Checking Account and click on Next.
6. Confirm the registration by clicking on Yes.
7. The Bill Pay Home Page will display. If you are a brand new user, the explanation of the new bill pay system will appear. We encourage you to preview the new pages or click on demo to familiarize yourself with the service. Once you are comfortable with the way it works, click on Activate Bill Pay.
8. Click on Payments and the options to add your payees will come up. Choose item A or B and continue the process.
9. Fill in all of the information exactly as it appears on your bill
10. Repeat steps for additional payees.
11. If you need additional help please email us at cumail@firstlightfcu.org or call our toll free Bill Pay Member Service Center at 800-782-7093 for more assitance.
 

Please call our Bill Pay Member Care Center at 800-782-7093 for assistance. 

Please call our Bill Pay Member Care Center at 800-782-7093 for any assistance. 

Money HQ is a very innovative way of transferring money from person to person or account to account. Please click on the Money HQ, in bill pay, to get an explanation on Money HQ. 

Yes there is a charge of $1.50, per transaction, for transferring money from person to person or account to account. This is known as a standard delivery and takes 3 days for an account to account transaction and up to 6 days for a person to person. There is also a $8.95 charge for an overnight delivery which is only available on the account to account transaction. Please refer to the rules governing the account to account overnight delivery.  

For more information on Falcon Security please visit the following website
http://www.firstlightfcu.org/falcon_security.sstg
 

You can't pay one FirstLight credit card with another FirstLight credit card.  

Yes,there is a 25 day grace period on purchases only. If a member pays off thier entire balance on purchases by the due date, they are not charged interest charges. 

No, if the member makes three consecutive payments on time, then our vendor will restore their rate to the original base rate. 

New and converted cardholders may begin to redeem their points once they reach the first redemption level, which is 2,500 points 

No they do not qualify for points. 

No. Our credit card vendor does not allow buy ups of any kind.  

A Credit Card Dispute Form must be printed out, signed & mailed to the FirstLight Federal Credit Union Compliance Department. Adobe Acrobat Reader is required to view & print this form.

If you have any questions regarding the dispute feel free to contact the Compliance Department at 800-351-1670 or 915-562-1172. 

For more information on Falcon Security please visit the following website
http://www.firstlightfcu.org/falcon_security.sstg
 

The password you use for e-statements is the same password you use to sign into Online Banking. If you have forgotten your password for Online Banking/e-services, please contact us at 1-800-351-1670 to re-set your password.  

Most likely they do not have the correct version of Acrobat Reader on their computer. Adobe Acrobat 5.0 or higher is needed to view the statement. To download Adobe 5.0, the member first needs to un-install their previous version.
My Computer
Control Panel
Add/Remove Programs
Click on current version of Adobe to highlight
Click Uninstall or Remove button

Once this is done, the member can install Adobe Reader 5.0 by clicking on the Adobe picture at the bottom of our online banking sign on page or going directly to the link at www.adobe.com. 

By signing up for E-Statements, member's printed statements will no longer be mailed. This saves the credit union money. You receive the e-statement quicker than the statement that is mailed to you. E-statements is also password protected which makes it secure. Also, the e-statement looks just like the printed statement so it is an official statement copy, not like the online banking statements which look like transaction printouts. The e-statements can be saved on the member's computer indefinitely for easy record keeping purposes in case the member needs it at a future date.  

If you don't receive your statements electronically, it's easy to sign up. IT'S FREE and paperless!


Please print a copy of these instructions. It will make it easier to follow while signing up for the service. To sign up for e-statements, please follow these steps:

1. Sign in to Online Banking
2. Click on 'e-Services'
3. Read the User Agreement & either agree or disagree. If you agree enter your password for online banking again & click on submit.
4. Enter your primary email address & click on: Subscribe.
5. An activation code will be sent to your primary address. Enter the activation code that was sent to your email address & click: activate my address.
*Please note if you click activate later, you HAVE NOT signed up for E-statements.
6. Whether you choose to activate my address or later, on the next screen click on the tab 'E-statement'.
7. Verify your primary e-mail address & you can enter a secondary e-mail address also. The e-statement will then go to both addresses.


If you have any questions, please feel free to contact us.
 

In case of errors of questions about the electronic transfers:

Please telephone us at 915-562-1172 ( El Paso), 575-526-4401 (Las Cruces) or toll free at 1-800-351-1670; or write us at FirstLight Federal Credit Union, P.O. Box 24901, El Paso, TX 79914-9001, as soon as you can if you think your statement of receipt is wrong, or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we send the first statement on which the error or problem appeared.

1. Tell us your name and account number
2. Describe the error of transfer that you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will re-credit your account for the amount you think is in error so that you will have use of the money during the time it takes us to complete the investigation.


Billing rights summary:

If you think your statement is wrong, or if you need more information about a transaction on your statement, write us at the address shown on your statement as soon as possible. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information:

1. Your name and account number
2. The dollar amount of the suspected error
3. Describe the error and explain if you can why you believe there is an error. If you need more information, describe the item you are unsure about.

You do not have to pay the amount in questions while we are investigating, but you are still obligated to pay the parts of your statement that are not in question. While we investigate your questions, we cannot report you as delinquent of take any action to collect the amount you question.
 

If you are under age 70 1/2 for the entire tax year and have compensation, you are eligible to establish an IRA, even if you already participate in any type of government plan, tax-sheltered annuity, Simplified Employee Pension plan, or qualified retirement plan (pension or profit sharing) established by an employer. 

Compensation is the salary or wages you receive as an employee. If you are self-employed, compensation is your net income for personal services performed for the business. All taxable alimony is considered compensation. Passive income such of interest, dividends and rental income is not considered compensation for purposes of funding an IRA. 

You may deposit any amount up to 100 percent of your compensation or $5,000 per year, whichever is less. IRA owners age 50 and older are eligible for a "catch-up contribution" in the amount of $1000 provided they have eligible compensation to support the additional amount. 

All earnings on your Traditional IRA contributions (deductible and/or non-deductible) remain tax deferred until you make withdrawals from the account. 

Deductibility of your deposit is based on whether or not you are an active participant in an employer-maintained retirement plan and, if so, your adjusted gross income and income tax-filing status. You may be eligible for the maximum deduction, a partial deduction or no deduction. 

You can still make nondeductible contributions to your IRA. 

You can withdraw funds from your IRA without the 10 percent IRS early distribution penalty any time after you reach age 59 1/2 or when the distribution qualifies for an exception under IRC Sec 72(t). When you reach age 70 1/2, you must begin to take minimum required withdrawals or hefty penalties will be imposed by the IRS. 

If you are over age 59 1/2, simply include the taxable portion of the amount withdrawn (generally deductible contributions and all earnings) as income. However, if you are under age 59 1/2 and do not meet one of the exceptions, you must also pay a 10 percent IRS penalty for early distribution. 

Your named beneficiary(ies) will receive the entire proceeds of the account. The manner in which the account is paid can be left to the election of the beneficiary(ies). 

If you have compensation and your spouse has no compensation or elects to be treated as having no compensation, your spouse can establish a Spousal IRA and deposit up to 100 percent of your compensation or $5,000, whichever is less. The total combined contribution to your IRA and your spouse's IRA may not exceed your compensation for the tax year of contribution. 

There are two methods you can use to move funds from one IRA to another: rollover and transfer. Generally a recipient has 60 calendar days from the date of receipt to roll over the distribution to another IRA. Rollovers between IRAs may not be made more frequently than once during a 12-month period. Transfer and rollover contributions are not deductible and will not be applied against the $5000 IRA contribution limit. 

IRAs for the taxable year can be opened any time between January 1 and the date your tax return is due for the year, excluding extensions. This due date is normally April 15 of the following year. 

The Roth IRA gives you the ability to invest your after-tax dollars today, let the investment grow tax-deferred, and take qualifying withdrawals tax-free. 

Unlike a traditional IRA, there is no 70 1/2 age limit on making contributions. You simply need to have earned income equal to the amount you contribute up to a maximum of $5,000 ($10,000 combined for spouses) per year. 

Yes. There are specific rules that govern the process of rolling over funds from a traditional IRA to a Roth IRA. Some of these rules include: your modified adjusted gross income (MAGI) must be $100,000 or less; if you are married, you must file a joint income tax return; you must pay taxes on all pre-tax dollars you move; the conversion rollover must be completed within 60 days. 

Unlike the traditional IRA, there are no required minimum distributions at age 70 1/2. Your earnings can continue to grow until you need them. There are special requirements when these plans pass to your beneficiaries. 

All loan rates are based upon an evaluation of an applicant's credit. The Credit Union has auto rates from "x" to "y". Your rate will depend on your credit any applicable discounts that you may qualify for. 

In the event your card stops working or is lost you can contact us and we will get a new card issued to you quickly. You will always have access to your money regardless which overseas duty station you reside. We offer Shared Branching with affiliated credit unions overseas, SCU and Andrews just to start; you can access funds up to $500.00 per day in those institutions just as if you were here in person. 

To avoid fees when needing a balance inquiry sign up for online banking, this will give you instant access to your balances, bill pay, etc. To avoid fees on withdrawals with the VCC, when doing transactions in stores, use the cash back option, some institutions will let you get up to $60.00 cash back. 

Unfortunately due to privacy acts unless your partner is on your account we would not be able to give them info on your account. They could however make payments and deposits into your account/loans, the balances would however be restricted. 

Add them to the account before you deploy or get a POA for them authorizing them to access your account. Please be careful on the POA you choose to give them, some have limitations. 

This would depend on if you are looking for long term or short term investments. If short term we have excellent rates on CD's which range any where form a 90 day thru 5yr plan. If you are looking for a long term investment or college, etc, you may want to meet or contact one of our staff at Member Financial Services, (numbers and info available under links, which you would put on the web site link for military), no matter what plan you are interested in we can help you achieve financial success. 

All Online Banking sessions are authenticated and encrypted. The authentication of a Online Banking session is handled through your Account Number and password combination, which is required at login.
The encryption is accomplished by establishing a Secure Socket Layer (SSL) connection between the browser and the Web server. You can only access Online Banking with an SSL compliant browser that supports 128 bit encryption.
Protecting your privacy is an ongoing process. We will continue to review the measures we take to safeguard your personal information. These reviews will result in new measures to protect member records, as the Credit Union makes changes to its information security practices and other internal control systems to take advantage of new technology 

Please call our Member Services Center at 915-562-1172 or toll free at 800-351-1670 and inform our representative that you wish to use Online Banking or that you forgot your pin/password. 

FirstLight Federal Credit Union's Routing/ABA number is 312080941. 

If the balance is over $50, the $1 maintenance fee is waived. The fee may also be waived if the share account is set up for a minor. 

No, there is no rate bonus. 

There is a 10-business day grace period after the maturity of the share certificate to withdraw or make any changes. 

A direct deposit form (form 1199) must be filled out for active military in order for the automatic deposits to be made. FirstLight FCU may provide the direct deposit form for active military or military retirement. For other employers, the form should be obtained from the company/organization making the direct deposit. 

No 

A Visa Check Card application must be completed and signed. It can be mailed, faxed, or e-mailed. Once it is returned, the application gets approved or denied, and then processed. 

A Visa Check Card Dispute Form must be printed out, signed & mailed to the FirstLight Federal Credit Union Card Services Department. Adobe Acrobat Reader is required to view & print this form.

If you have any questions feel free to contact the Card Services Department at 800-351-1670 or 915-562-1172. 

For more information on Falcon Security please visit the following website
http://www.firstlightfcu.org/falcon_security.sstg
 

Monday through Friday, no later than 3 p.m. 

Yes. However, the member must provide information for a correspondent U.S. bank. 

Yes, when the member is present with a member service representative making the wire transfer. For your convenience we also accept written request with the information needed to process the wire/western union along with the member's signature, phone number to contact the member and copy of valid state ID or driver's license. You may contact us at 1-800-351-1670 if you have any questions.