Affinity Federal Credit Union

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	Frequently Asked Questions		Home Banking Questions Will I be able to use Bill Payment with any of my accounts? How do I enroll? When can I start using Bill Payment? What bills can I pay through Bill Payment? How many days does it take for a payment to reach the payee? How do I add a new merchant to the payee list, and how long will it take before I can access them? Can anyone else see my accounts over the Internet? What happens if I forget my PIN? Account Related Questions Where can I get Leasing information? How can I request to close my account? Can I change my address online? How do I establish Direct Deposit? IRA Related Questions Traditional & Roth IRAs Are there restrictions to open a Roth IRA? What is a qualified distribution from a Roth IRA? Can I convert my traditional IRA into a Roth IRA? What is the deadline for making a contribution? Am I required to make contributions to my Roth IRA every year? How long can I make contributions to my Traditional IRA(s)? How long can I make contributions to my Roth IRA(s)? Homeowners Insurance Questions What kind of protection can I get? I own a condo, can I still get homeowners insurance? I have special jewelry. Do I need to get different coverage?
	Home Banking Questions		Will I be able to use Bill Payment with any of my Affinity accounts? No. The Bill Payment Option can only be used with Affinity Checking. (For increased flexibility, you may consider adding PrivateLine Overdraft Protection to your checking account.) How do I enroll? For Account Access, you must be enrolled in the AUDREY telephone banking system. You can then log in to Account Access using your member number and AUDREY PIN. To get started with Affinity's Bill Payment service, simply log in to Account Access, click on the Bill Payment icon, and fill out the application. To enroll in Bill Payment, you must first be enrolled in Internet Account Access. When can I start using Bill Payment? Your ID and password are e-mailed to you within 72 hours and you can get started right away. You'll also receive a welcome kit within 2 to 3 weeks. What bills can I pay through Bill Payment? You can use Bill Payment to pay practically anything-charge accounts, utilities, auto loans, even your doctor or day-care center. How many days does it take for a payment to reach the payee? Since payment processing can take three to five working days, the safest thing is to always schedule your payments at least five working days before the due date. How do I add a new merchant to the payee list, and how long will it take before I can access them? Changes to merchant information can be submitted online, or by completing the form included with your welcome letter. It can take up to five days for the bill payment provider to establish a relationship with a new payee. Can anyone else see my accounts over the Internet? Affinity uses the latest technology to keep your account information secure. Security features exist at every level-from your PC, to the Internet, and over our secure network. The following features are offered for full security: password protection lockout-access is denied after the fifth consecutive invalid login timeout-account Access automatically logs off after a designated period of time exit button-exits Internet Bill Payment and Account Access cache security-ensures that no one can view a member's account information by accessing the cache file encrypted URL-ensures that any account information that appears in the URL is not readable SSL (secure sockets layer) protocol-allows for the transfer of digitally signed certificates for authentication procedures, and provides message integrity, ensuring that the data can't be altered during a transaction. In SSL protocol, Web addresses usually start with "https" instead of "http" What happens if I forget my PIN? If you forget your PIN, contact our Member Service Center.
	Account Related Questions		Where can I get Leasing information? Visit our Auto Resource Center, or call 800-325-0808. How can I request to close my account? We need a letter in writing stating that you would like to close your account and a photocopy of valid identification. Acceptable ID includes a Driver's License, County ID, Passport or Military ID Card. Send it to: Affinity Federal Credit Union 73 Mountain View Blvd. Bldg 200 P.O. Box 621 Basking Ridge, NJ 07920 Can I change my address online? Yes, through our Internet Home Banking feature. You can also change your address through mail or by calling our Member Service Center at 800-325-0808. Click here for more information. How do I establish Direct Deposit? To establish Direct Deposit, you must contact your employer for the appropriate forms. Our routing number is 221283512. For more information call our Member Service Center at 800-325-0808.
	IRA Related Questions		Traditional & Roth IRAs Are there restrictions to open a Roth IRA? You can open a Roth IRA if your modified adjusted gross income is less than $150,000 for married joint filers and $95,000 for single filers. For married joint filers, if your modified adjusted gross income is between $150,000 and $160,000, you can still take advantage of opening a Roth IRA, however, your contribution limits will be impacted. Single filers with a modified adjusted gross income between $95,000 and $110,000 will also have limits to the amount of contributions you can make. What is a qualified distribution from a Roth IRA? A qualified distribution can be taken from a Roth penalty and tax-free. To qualify the Roth IRA holder satisfies a 5 years waiting period which begins January 1 of the first taxable year in which you made the contribution and one of the following events occurs: attainment of age 59 1/2, disability, the purchase of first time home, or death. In addition, contributions can be withdrawn tax-free and penalty free at any time. Can I convert my traditional IRA into a Roth IRA? Yes. An IRA holder may roll over their Traditional IRA into a Roth IRA if your modified adjusted gross income, married or single, does not exceed $100,000. Call Affinity Financial Services at 800-325-0808 for more information. What is the deadline for making a contribution? For both Traditional and Roth IRAs, you have until the tax filing without extensions. The sooner you make contributions, the sooner you could begin to shelter your earnings. Am I required to make contributions to my Roth IRA every year? No. You are not required to make contributions to your Traditional or Roth IRA every year, nor are you required to make the maximum contribution in any year. Contribute as you wish, as long as you don't exceed the limits. How long can I make contributions to my Traditional IRA(s)? You may make contributions for each year you receive wages, alimony or other compensation prior to the year you turn 70 1/2. How long can I make contributions to my Roth IRA(s)? You may make contributions for each year you receive wages, alimony or other compensation or you are the spouse of someone who is receiving one of those listed above.
	Homeowner's Insurance Questions		What kind of protection can I get? Our policies protect your home, any related structure (like a garage) and your household contents from an array of losses that are caused by fire, theft or vandalism, accidental electrical damage, windstorms and hail, lightning, explosions or smoke, the weight of snow or ice, frozen plumbing and heating systems, glass breakage and building collapse and riot or civil commotion. I own a condo, can I still get homeowners insurance? Yes. However, you need to know if your condo organization covers the exterior structure. If they do, you would need coverage just for the inside of the condo. I have special jewelry. Do I need to get different coverage? If you have an expensive piece of jewelry, you may use a separate rider for it.

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NCUA: Your savings Federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Your savings Federally insured to at least $250,000 and backed by
the full faith and credit of the United States Government. National
Credit Union Administration, a US Government Agency.