General
What is a credit union?
A credit union is a non-profit money cooperative whose members can borrow from pooled deposits at low interest rates. Members are the owners.
What is the difference between a credit union and a bank?
Credit Union depositors are members and each member is an owner of the credit union. Banks’ depositors are customers and have no ownership interest. Banks are owned by investors.
Since credit union members are owners, each member, regardless of how much money they have on deposit, has one vote in electing a board of directors and members can run for election to the board. Banks are owned and controlled by stockholders. Customers don’t have voting rights, cannot be elected to the board and have no say in how the bank is operated.
A credit union’s board of directors is comprised of volunteers and a banks’ board members are paid.
Who can join First Heritage?
Anyone who lives, works, worships or attends school in the eleven county community, comprised of the Allegany, Chemung, Livingston, Schuyler, Steuben, Tioga, and Yates counties of New York, and the Bradford, Lycoming, Potter, and Tioga counties of Pennsylvania, as well as their immediate family members.*
*Immediate family member is defined as spouse, sibling, children, parent, grandparent, or grandchild. For our membership purposes, immediate family member includes stepparent, stepchildren, step-siblings, and adoptive relationships in this definition. Household is defined as persons living in the same residence maintaining a single economic unit. Membership eligibility is extended only to individuals who are members of an immediate family or household of an eligible credit union member. Remember, it is not necessary for the primary eligible member to join the Credit Union in order for the immediate family member to join.
How do I open an account?
Becoming a member is easy. You can stop in any branch office or you can open an account online. Or Schedule an appointment today! All you need is a minimum of $5.00 to open your Share Savings account.
What types of products does First Heritage offer?
We offer a wide range of products and services to meet your needs. We offer savings accounts, club accounts, share draft checking accounts, share certificates, IRA’s, specialized club accounts for kids, auto loans, personal loans, home equity loans, mortgage loans, online banking and so much more.
What is your routing and transit number?
222 381 882
Are my accounts insured?
Yes, your funds are insured up to $250,000 by the National Credit Union Share Insurance Fund. There are many ways to increase your amount of coverage. Visit MyCreditUnion.gov for more information.
Do you offer notary services?
Yes, our members have several notary publics at almost every branch location and there is no charge for this service.
Schedule an appointment today!
What are your Saturday hours?
For a current listing of our hours and locations visit our Locations page.
Do you have a coin machine?
We currently offer coin machines at our Corning, Elmira Heights and Mansfield branch locations at no charge for members.
How do I wire money?
View our wire instructions or stop by any office to obtain a wire transfer request form.
Where are your ATMs or night drops?
How long does an ACH direct deposit take to be deposited into my account if my employer sent it today?
ACH direct deposits take 1-3 business days, from the day it is sent, to post to your account.
Do you offer Medallion Signature Guarantee services?
Yes, please read our Medallion Signature Guarantee guidelines for complete details. If you are in need of a Medallion Stamp Guarantee, Schedule an Appointment today.
First Line Online Banking
Is online banking secure?
SSL and Firewalls
First Line Online Banking is accessed through a Secure Socket Layer (or SSL). This means all data transmitted to or from First Heritage’s computer systems are encrypted and use the most sophisticated security available. Several firewalls exist to prevent unauthorized access to the system to ensure your information is accessible only by using a correct Username/ID and Password.
First Line Online Banking is accessed through a Secure Socket Layer (or SSL). This means all data transmitted to or from First Heritage’s computer systems are encrypted and use the most sophisticated security available. Several firewalls exist to prevent unauthorized access to the system to ensure your information is accessible only by using a correct Username/ID and Password.
Username/ID and Password
It is very important that only you know your Username/ID and Password. This is the only way your account may be accessed. Three (3) unsuccessful attempts will lock out a user from accessing their account. If a user becomes locked out, you may use the "Forgot Password" feature to unlock your account and reset your password or call one of our member service representatives for security purposes.
It is very important that only you know your Username/ID and Password. This is the only way your account may be accessed. Three (3) unsuccessful attempts will lock out a user from accessing their account. If a user becomes locked out, you may use the "Forgot Password" feature to unlock your account and reset your password or call one of our member service representatives for security purposes.
Automatic Log Off
After a ten minute period of inactivity, the system will automatically log you off and force you to re-enter your Username/ID and Password.
After a ten minute period of inactivity, the system will automatically log you off and force you to re-enter your Username/ID and Password.
Transaction Monitoring
First Heritage contracts a third party to perform transaction monitoring. Transaction Monitoring is an online risk management system specifically designed to optimize fraud investigation resources by identifying high-risk online activities in real time. Transaction Monitoring detects, analyzes, and scores each online activity and also uses information collected from its Fraud Network (a cross-organization, cross-application, cross-border online fraud network) to identify fraudulent activities.
First Heritage contracts a third party to perform transaction monitoring. Transaction Monitoring is an online risk management system specifically designed to optimize fraud investigation resources by identifying high-risk online activities in real time. Transaction Monitoring detects, analyzes, and scores each online activity and also uses information collected from its Fraud Network (a cross-organization, cross-application, cross-border online fraud network) to identify fraudulent activities.
Multifactor Authentication
For transactions that do not pass the transparent authentication layer, or are deemed “high risk,” by transaction monitoring, users must clear an additional authentication method. First Heritage uses multifactor authentication where the member will receive a one time passcode to a registered device.
For transactions that do not pass the transparent authentication layer, or are deemed “high risk,” by transaction monitoring, users must clear an additional authentication method. First Heritage uses multifactor authentication where the member will receive a one time passcode to a registered device.
How do I reset my online password if I have forgotten it?
Click on the “Forgot Password” link and fill in your First Line Username/ID, date of birth, social security number, your email address on file and the email subject. The email subject can be anything you choose. The email subject you enter will be used in the Password Reset email we send you, so that you know that the email concerning your password is legitimate and was generated by an inquiry of yours. An email will be sent containing instructions on how to reset your password. The email link is only good for two hours. And of course, you can always call one of our friendly member service representatives for assistance.
Can I view multiple accounts with one login?
Yes, we can set-up multiple accounts under one login. You will need to fill out an Alternate Account Access form which you can access by stopping into any branch or by calling us at 888-936-8402.
How do I transfer money to another account online?
You can transfer funds to any other First Heritage member online by clicking on “Transfers” and then “Transfer To Any Account”. You will need the account number of the person you are transferring to. If you do not know the account number of the person you are transferring funds to you can use our Person to Person (P2P) payment feature within online bill payment. Our Person to Person (P2P) payment feature can be used to send funds electronically to anyone at any financial institution.
Can I transfer funds to or from an account I have at another financial institution?
Absolutely! Our FI to FI transfer feature is free and allows you to transfer funds to and from an account you have at another financial institution.
How do I update my address, phone number or email address?
Login to your online or mobile banking and click on settings from the full menu.
What kind of services do you offer online?
- Check your balance
- Transaction history
- Transfer funds
- Free Bill Pay
- E-Statements
- Online Financial Management
- Alerts
- Access check images
- Online loan applications
- Deposit Now through our mobile app
- Open a new share ...and so much more
How do I download your app on my smartphone?
From your smartphone, navigate to your app store and search for First Heritage Federal Credit Union. Click on install and that’s it.
Android Users
Apple Users
Android Users
Apple Users
Loans
Do you offer extended warranties on vehicles?
Yes, we have a complete line of coverage designed to keep your vehicle on the road. There are three types of coverage to choose from depending upon your coverage needs. All plans are through Route 66 and come with rental car allowance, 24/7 emergency roadside service, no deductible, nationwide coverage, 30 day money back guarantee, and are transferable.
What is GAP (Guaranteed Asset Protection)?
GAP is a non-insurance product, used to help fill the gap between what your vehicle insurance will pay and what you owe on your loan if your vehicle is totaled. It can be purchased to cover automobiles, light trucks, motorcycles, boats, travel trailers, etc.
How do I apply for a loan?
You can apply for a loan by calling 888-936-8402, by stopping in any branch or using our convenient online application center. Or Schedule an Appointment today.
How long does it take to find out whether my loan request was approved?
It generally takes one business day or less to find out if your request was approved.
Do you offer business loans?
We offer many types of business loans. Please contact one of our business specialists at 888-936-8402 for more information. Or Schedule an Appointment today!
What is Debt Protection?
Debt Protection plan options will cover all or part of your obligation to repay a loan due to specified events, such as death, disability or involuntary unemployment.
Cards
What should I do if I lose my VISA debit/credit card?
You should contact us immediately if your card is lost or stolen. You can report your card lost or stolen 24 hours a day at JHA Hot Card Center™ by calling 1.888.297.3416 (within U.S.) or 206.389.5200 (outside U.S.) and you can block your card within our online or mobile banking app.
If I am using my VISA check/debit card to make a purchase, should I choose "debit" or "credit"?
You should always select “credit.” The amount of the purchase will be deducted from your checking account and your purchase will be protected under VISA regulations.
How can I set up to pay my Visa from another financial institution?
You can use our FI to FI transfer feature to transfer funds from another financial institution to your account with First Heritage. Funds will be deposited into your savings or checking account and you can then transfer the funds to your VISA. Or if you prefer, we can have those funds automatically transferred to your VISA once they have been deposited. Contact us at 888-936-8402 to have an automatic transfer established.
Can I set up an automatic transfer or payroll transfer to pay my Visa?
Yes, we can set up an automatic transfer to your Visa in a variety of ways to best suit your needs. Just give us a call at 888-936-8402 and we would be happy to take care of that for you.
What if I am traveling internationally?
Our VISA debit/credit cards are accepted anywhere VISA is accepted. Please note, VISA assesses a small fee of 1% of the transaction amount for international purchases. We recommend contacting us prior to your travels to notify us of your travel dates.
What if my card has fraudulent transactions?
If you notice fraudulent transactions please contact us immediately at 607.936.4667. You can also immediately turn your card off by logging into our online banking or mobile app. Or Schedule an Appointment today!