Electronic Funds Transfer Agreement
Click here for a printable PDF version of our current Electronic Funds Transfer Agreement
Click here for a printable PDF version of our current Fee Schedule
Funds Availability Policy Disclosure
Click here for a printable PDF version of our current Funds Availability Policy Disclosure
Courtesy Pay Disclosure
Click here for a printable PDF version of our Courtesy Pay Disclosure
Click here for a printable PDF version of our current Privacy Disclosure
Regulation D Notice
Click here for a printable PDF version of the current Regulation D Notice
USA Patriot Act Disclosure
Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. We will ask for your name, address, date of birth, and other information including valid identifying documents to identify you.
Your savings are insured by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Administration (NCUA). NCUA is an independent agency of the United States Government, with share accounts insured up to $250,000, which means each individual an on account can recover up to $250,000. Individual Retirement Accounts are insured separately up to $250,000 by the NCUA. Shares maintained in different legal ownership capacities may be each separately insured. There are numerous combinations of accounts which can increase the total coverage. Total insurance coverage can go as high as $1 million or more.
The National Credit Union Share Insurance Fund (NCUSIF) is the federal fund created by Congress in 1970 to insure member's deposits in credit unions up to the $250,000 federal limit. Administered by the NCUA, the NCUSIF is backed by the "full faith and credit" of the U.S. Government.
ACH Origination Form
Click here for a printable PDF version of the ACH Origination Form
Effective February 1, 2015:
For Debit Card member service, to report fraud, dispute transaction(s), or report your card as lost/stolen please contact Cardholder Services.
For Credit Card member service, to report fraud, dispute transaction(s), or report your card as lost/stolen please contact Cardholder Services.
Direct Deposit Form
Credit Card Balance Transfer(s) Form**
If you have an existing FirstLight credit card and would like to transfer a non-FirstLight balance to your credit card such as balances from other credit card companies, financial institutions, or department store credit cards, simply click on the link below, fill in the form, print it out, verify all the entered information is correct and sign the form. The completed form along with a copy of your valid I.D. can be faxed to (915) 745-4115, scan & email to firstname.lastname@example.org, drop off at any of our branch locations or mail to:
FirstLight Federal Credit Union
PO Box 4798
El Paso, TX 79914-4798
**Continue to make your monthly payments to the issuer/merchant until you receive a statement from the issuer/merchant reflecting the balance transfer payment. Existing FirstLight FCU loans or credit cards will not be eligible for balance transfers. FirstLight FCU will not be responsible for any finance charges or late fees incurred due to your nonpayment. Each balance transfer will be treated as a purchase as described in your Credit Card Agreement and is subject to credit availability. If there is a balance transfer promotion, any balance transfers processed after the promotional period will incur finance charges at the standard rate. Minimum payments will be applied to any balance at the lower rate before being applied to balances at the card’s standard rate. To the extent your payments exceed the minimum payment due each billing period, we will apply them to balances with high APRs prior to balances with low APRs. If you have not activated your credit card, please call 1-800-527-7728 to do so. Please be sure to read the Credit Card Agreement and Account Opening Disclosures for more details. Remember, FirstLight Federal Credit Union is here for you as we help you find more ways to move beyond banking!