Q: I'm concerned about the security of my information. How do I know that this information is secure?

A: Advantage Federal Credit Union is dedicated to providing you with products and services that are not only convenient, but secure. We are using Secure Socket Layer (SSL) technology and required Multifactor Authentication to ensure a safe operating environment. We also employ advanced firewall technology to protect all of our data from invasion by anyone outside of the credit union.

Q: How long will it take before my bill gets paid?

A: Once you have used the Bill Payment feature to pay your bills, it will usually take 3-5 business days for your payments to be received and credited to your accounts.

Q: Why does it take 3-5 days?

A: Each bill that you pay is part of a file that is maintained at the Credit Union. Once each day, that file is transmitted to a third party processor. The processor receives the file and makes the payments on your behalf. They attempt to make all payments electronically, but not all companies or individuals can receive electronic payments. In these instances, an actual paper check is generated and mailed to your payee. For this reason, the time between your transaction on the bill payment system and the time the payment is received by each payee will vary.

Q: How much will it cost?

A: There is NO FEE for the Bill Payment service. So why not take advantage of the convenience of paying your bills on-line?

Q: What do I do if I want to verify receipt of my payment by the payee?

A: Call the payee, but remember that it may take up to 5 business days for them to receive the payment.

Q: What if it has been more than 5 business days and the payee has not received my payment?

A: Call the credit union and a representative will investigate the status of your payment. We will only investigate payments if the 5 business days have passed.

Q: Who do I call if I have more questions regarding the Bill Payment feature?

A: Call the credit union at (585) 454-5900 or toll free at 888-454-2323 and press 5 for a Member Service Representative.