Benefits of MyBranch Online Banking

Being eCount members, we’re pretty certain that you’re comfortable doing things online. If you haven’t done so already, you should head over to our site and get your account set up on MyBranch. MyBranch is our free online banking portal. From there, you’ll be able to see what’s going on in your account 24/7. Get started with MyBranch here.

The other benefit that getting set up on MyBranch offers is that you can start using the rest of our online tools, such as our mobile app, ePay, Popmoney® and $napshot. All of these tools will give you more access to, and control over, your account, which can be really important when you’re on the go.

Mobile App
Our mobile app will give you access to your account over any app-enabled smartphone. Check balances, transfer funds, use ePay to pay bills or Popmoney to pay other people, even deposit paper checks, all through your mobile phone. Visit www.aofcu.com on your mobile device.

ePay
ePay is a great tool if you have at least a few bills that you pay regularly every month. ePay lets you pay a bill electronically, even if your recipient doesn’t accept electronic payments. Most vendors like cable companies, retail stores or utilities are already set up to accept electronic payments, and those payments go through as quickly as the very next business day. For others that don’t have an electronic payment processor, such as a small doctor’s office, for instance, an actual paper check is cut and mailed for you, free of charge when you use ePay. These won’t get there the next day, as they do have to be mailed, but you don’t pay for the check, the stamp or the envelope.

Another big plus to ePay is that it allows you to pay all of your bills from one site. No more logging into 15 different websites to pay your various bills, set them up once in ePay and you’ll never have to visit each individual site just to pay a bill. From now on, you’ll simply log into ePay, and there you’ll see all of the billers you have set up, as well as pending payments and payment histories for each one. Want to know how much the last cellphone bill was and when you paid it? ePay has that info at your fingertips, 24/7. You can even schedule payments in advance once or on a recurring basis. All from one safe, secure, easy to use site.

Probably the best part of ePay is that all of your payments are guaranteed. ePay guarantees that the recipient will receive payment by the guaranteed date, assuming you have the funds in your account, of course. If ePay doesn’t get the payment there by the guaranteed date, ePay covers the cost so there are never any late fees for you. Knowing when the payment will come out of your account and knowing that it will get there on time, every time is a nice bit of security. So stop spending money on stamps, envelopes and paper checks and start using ePay.

One final thing to be aware of regarding ePay is that it is free, but only if you use it. I know, that sounds odd, so let me explain. The credit union incurs an expense to provide the service to our members, and we’re fine doing that so long as the service is used. So, as long as you make at least one payment every 30 days using ePay, we continue to provide it to you free of charge. If you don’t use it, however, there is a $2 charge per month to have the service. Just make sure to use ePay if you sign up for it. We think it’s a really great service, but we don’t want you incurring any fees unnecessarily. You may also cancel ePay at any time, simply call us and cancel the service. Find out more about ePay here.

Popmoney®
Popmoney is a complementary service to ePay. Where ePay lets you pay bills, Popmoney lets you pay other people, request funds from others and even receive funds, all over your app-enabled smartphone. Ever been short on cash to pay back a co-worker for lunch? Popmoney solves that issue. Simply send the money straight from your account to theirs using Popmoney. You can read more about Popmoney in this article or on our website

$napshot
Finally, with MyBranch access, you get full access to our free, personal money manager, $napshot. The single nicest feature of $napshot is that it lets you bring in accounts from your other financial institutions so that you can keep track of all of them in one place. What ePay does for your bills, Snapshot does for your accounts.

Set up spending budgets, and saving goals easily. Track investments or accounts at other credit unions or banks. $napshot lets you keep track of all of it, quickly and easily. $napshot uses a cool tag-based system, so you can label your expenses in ways that make sense to you. And the best part is, $napshot is 100% free of charge. Check out $napshot here.

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