Apple FCU Mobile Banking Now Available!
	Locate ATMs via your cellphone!

NetBranch
NetBranch Online Account Access is a FREE, secure service that allows members to:

• Add a product, such as checking, Savings, Money Market via Add a Product link
• View account balances and history
• Verify cleared checks
• Confirm deposits, withdrawals and payroll
• Transfer money between accounts
• Apply for a loan
• Reorder checks
• And more.

As an added convenience, NetBranch users each receive their monthly account summary via Apple's eStatement service. eStatements is the default setting to receive account information once you have secured use of NetBranch. Should you elect instead to receive monthly paper statements, be sure to use Add a Product to change your statements to paper.

• Certified – All pages of the product have been tested and the browser meets all functional and visual design requirements completely.
• Supported – Most pages of the product have been tested and the browser meets most functional and visual design requirements, however some visual defects may occur.
• Allowed – The main pages of the product have been tested for basic functionality, however, visual defects may occur.
• Unsupported – Browser/OS combinations not specified in one of the other categories default to Unsupported. The product has not been tested with unsupported browser/OS combinations. Browser/OS combinations in this category are not widely used as determined by usage statistics.

Not sure if your browser meets the above standards? Click here to test your settings.
For common system errors and remedies within NetBranch, click here.

Quicken® Users
To effectively use your Quicken software with Apple’s NEW NetBranch system, specific settings will need to be updated within your computer’s program. These updates will take approximately 10 minutes. Please choose from the instructional sheets below based upon the type of computer and operating system that currently manages your Quicken software:

Mac Users
Quicken 2005-07 for Mac – Account Conversion Instructions
Quicken 2005-07 for Mac – Web Connect to Direct Connect Instructions
PC Users
Quicken 2007-09 for Windows – Account Conversion Instructions
Quicken 2007-09 for Windows – Web Connect to Direct Connect Instructions

TurboTax® Available FREE Through NetBranch
NetBranch users can Choose Easy this tax season! No need to guess how the 2009 IRS updates affect you; the guidance and expertise you need to prepare and file your income taxes is available FREE, thanks to TurboTax’s basic service. The #1-rated tax software is special courtesy to all members enrolled in NetBranch. Login for more information.

TurboTax Frequently Asked Questions

Enhanced Login Security – Protecting Your Account Information
The latest in information protection technology is now a part of your NetBranch account security. Enhanced Login Security (ELS), a sophisticated authentication process that affirms each person logging into NetBranch as a valid user, is an additional mandatory protection feature working to keep your account information secure 24/7 from fraudulent use.

In order to begin working effectively, this process requires that you initially choose security questions from a pre-determined list (favorite actress, street you grew up on, etc.). Then, at each login, the system will analyze the following three elements to ensure authenticity:

• Member ID
• Password
• Computer Fingerprint (unique to each PC; requires ‘Cookies’ be enabled within browser)

Should the above elements not match for any reason (i.e. you set ELS up from your home computer, but are now attempting to login from work), you will be prompted to answer the security questions you’ve established. As such, make sure the answers you provide to these questions are consistent and not easily forgotten.

As noted, the cookies feature on your browser must be ‘enabled’ for this feature to safeguard your account. Unsure of how to verify this setting within your browser? Click here for detailed instructions.

To learn more about ELS, review these Frequently Asked Questions.

FinanceWorks™ Money Management
An additional benefit with the new system, this tool offers a dynamic presentation of your spending habits by tabulating all of your Checking, Savings and Credit transactions (Apple and otherwise) and giving you a clearer view of your cash flow. It even points out opportunities for alternate spending choices. To experience NetBranch's newest money management tool, login or you can view a demo today!

FinanceWorks Frequently Asked Questions

FREE Mobile Banking
No matter where you are, Apple's FREE Mobile Banking is the fast, easy way to stay connected to Apple FCU when you're on the go! Simply point your web-enabled mobile device to http://www.AppleFCU.org, and you'll have immediate, secure NetBranch access to:

• Account balances
• Transaction history
• Transfer funds
• ATM/branch search
• And more!

No software is required. Usernames, passwords and security prompts are the same as those used for NetBranch. Apple FCU Mobile Banking is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data that passes between the wireless gateway and Apple's web servers is encrypted using Secure Socket Layer (SSL) technology.

It's convenient, FREE banking on the go!* To use Apple Mobile Banking, you must be a NetBranch user AND have logged in to the system and accepted the new terms and conditions following the system conversion that took place May 18 at 3 p.m. and have logged in to the system and accepted the new terms and conditions and enrolled in Enhanced Login Security. Not a NetBranch user? Stop by any Apple branch or call 703-788-4800 to register today!

For more information on Apple Mobile Banking, review these Frequently Asked Questions.

*Service requires mobile Internet access from your cellular phone, PDA or other wireless device; airtime and carrier fees per your contract/plan may apply.

eBill Payer
Online eBill Payer makes the business of paying bills more convenient. Apple's FREE information-protected service:

• SAVES time — experience the freedom of paying your bills ANYTIME, ANYWHERE, based on YOUR schedule
• SAVES money — postage fees can average more than $50 a year per household*; not to mention the added expense of making trips to the post office
• SAVES the anxiety — payments are 100% guaranteed safe, secure and on time†
• SAVES the hassle — schedule and/or cancel recurring or single bill payments with ease; same and next day payment options are available
• SAVES the headache — with eNotification capabilities and eBilling from participating vendors, the system remembers your payment schedule for you.

Getting started is easy! Simply login to NetBranch and click on the eBill Payer tab. Then, follow the step-by-step instructions, and you'll be ready to pay bills online in no time.

*Amount based on a household average of 10 bills per month mailed at the First Class postage rate of $0.42. †The members had to schedule payments in agreement with the Terms and Conditions of the service for the guarantee to apply.

eStatements
eStatements make the clutter of excess paper a thing of the past. Apple's eStatements not only save valuable space, but they save you time and money - no more worrying over postal delivery. The FREE service is password protected for security, and can only be accessed through NetBranch online account access. As an added convenience, up to 12 months of past statements are available.

Members who have a checking account will have the option to receive monthly eStatements. Members who do not have a checking account will have the option to receive quarterly eStatements. Members who have a dormant account (inactivity on an Apple account for one year) will have the option to receive an annual eStatement.

Bank2Bank Transfer Available with NetBranch
NetBranch users already enjoy the convenience of transferring funds quickly and easily between their Apple FCU accounts. Now, this same benefit is available for accounts beyond the Credit Union. Transfer funds TO an Apple Checking or Savings account FROM a bank account at another institution (must be a primary or joint owner of the account; Business, 401(k) and IRA accounts excluded).

Transferring money TO an Apple account is FREE, with Bank2Bank featuring two tiers of service:

1. Premium — 1 day turnaround
2. Standard — 3 day turnaround.

To register for Bank2Bank, login to NetBranch today and select Bank2Bank Transfer from the Account Access tab’s sub-menu. For additional information, view Apple’s Bank2Bank Transfer Frequently Asked Questions. For qualifications and complete details, view the Terms of Service.

eDeposit
Making deposits has never been easier, more convenient or gas conscious. Fund your account from the comfort of home in minutes by making electronic check deposits with eDeposit, part of Apple's FREE NetBranch Service. Post to your account anytime, anywhere and gain immediate access to your funds, all in just a few mouse clicks. Plus, you will receive immediate access to your money because there is no customary check hold placed.

In order to qualify for eDeposit, members must:

• Be at least 18 years of age
• Be enrolled in NetBranch
• Have an Apple Checking account
• Had an established relationship with Apple FCU for at least 90 days
• Be in good standing with Apple FCU (i.e. no negative balances, no late payments on Apple Loans, not had an Apple FCU Loan written off, etc.)
• Have $5,000 or more on deposit with Apple (includes Savings, Checking, IRA, Money Market and/or Certificate accounts)
• Not had a single non sufficient funds (NSF) fee applied to their account within the past 24 months
• Adhere to the eDeposit Terms of Agreement.

Members who meet these qualifications will be informed of their eDeposit status by Apple FCU. For additional information on eDeposit, stop by any Apple branch or call 703-788-4800.

ATM Networks
MoneyPass, CO-OP & Alliance One ATM Networks give you the freedom of nationwide, SURCHARGE-FREE access to your accounts. Make withdrawals-and at some locations, make deposits-all across the country when you use any of the more than 50,000 surcharge-free ATMs available with:

• CO-OP
• Alliance One
• Moneypass

PAT
PAT (Personal Automated Teller) let's you set your own banking hours. Apple's FREE PAT service is a computer-generated audio response system that securely allows you to access your accounts via a touch-tone telephone, 24 hours a day, 7 days a week.

• Get up-to-date balance information
• Transfer funds
• Confirm transaction history
• And much more.

Online Applications
Apply for a Loan 24 hours a day, 7 days a week. Submit an application for any consumer loan (auto loan, Visa^® credit card, overdraft protection line of credit and more) anytime by:

• Applying online
• Mortgage Center
• IRA Service Center
• Retirement Central

Visa^® Check Cards
Apple Visa Check Cards make getting quick cash easier. Access your money at any Apple-owned ATM, thousands of Accel Exchange^® or PLUS^® ATM terminals or via Apple's extensive network of SURCHARGE-FREE ATMs. Plus:

• Make purchases with your check card anywhere Visa is accepted
• Get cash back at POS transactions
• Get cash advances from ANY financial institution that displays the Visa logo —there are NO cash advance fees or charges
• Transfer Funds
• Get account balances
• And much more.

Savings and Convenience. Together at last. Apple and Visa have partnered to bring you an exclusive savings opportunity. Simply use your Apple Check Card for purchases with select national retailers and enjoy specially discounted offers. Check back often as the offers will change!

Xpress Yourself Custom Check Cards
Remember childhood when you'd come racing home from school with a new drawing and exclaim ‘I did it!'. Well, those times are past, but that feeling of glee doesn't have to be.

Apple is pleased to bring you the latest in check card technology – Xpress Yourself Custom Check Cards! In a few easy steps, create a card that reflects your personal style, tastes and life!

Simply upload your own photo (we have some ideas too, if you want them) of your family or friends, your pet or a great shot you took while on vacation. Then be creative…enlarge or reduce the image, flip it or even rotate it. You are the designer!

• A $9.99 fee will be applied for each card to be debited at the time of card ordering from your Apple FCU Checking account.
• Your new Custom Card will arrive within 10-14 days.
• You must currently have an Apple Visa Check Card to use this service. Don't have an Apple Visa Check Card? Call 703-788-4800, stop by any Apple branch or login into NetBranch (click Add a Product) today to apply.

It's grown-up artwork for your refrigerator! To get started now, click here. Or, to experiment with different pictures to see how they will look before ordering your card, click here for the demo version.

Visa® Zero Liability Protection
Purchasing with peace of mind, that's the Visa Zero Liability guarantee. The convenient, world-wide purchasing power of a Visa Credit or Check Card comes with the assurance that you will be protected from the possibility of fraudulent charges. Should unauthorized purchases be made using your card or account information, you will not be liable for these charges. Visa Credit Card users simply need to swipe their card to insure coverage; Check Card users must hit ‘credit,’ not ‘debit’ to activate Zero Liability protection. To learn more about how Visa Zero Liability works to protect your information, visit Visa's personal security homepage.

For more information or to enroll in any of Apple's 24 Hour Services, stop by any branch, or call 703-788-4800 or 800-666-7996.

Promotional Image: All contents of the service are Copyright © 2007 Microsoft Corporation and/or its suppliers, One Microsoft Way, Redmond, Washington 98052-6399 U.S.A. All rights reserved.