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: Web bill pay :

We welcome you to the world of web-based bill payment. Spirit of Alaska FCU has made the commitment to offer members a state-of-the-art service that will save you time, money and hassles. CheckFree is one of the most experienced companies in on-line bill payment and Spirit of Alaska is pleased to participate as a sponsoring financial institution. Members will love the convenience and security of Web Bill Pay.

This following information will help you learn what you need to know to start using our latest electronic convenience service. Members enjoy a free 60-day trial then pay only $6.95 per month thereafter for unlimited web bill payments to anyone in the world, anywhere in the world. Read more or simply click here to enroll online now.

Get Web Bill Pay for free with Rewards Cache! Simply enroll in the Rewards Cache Program and then use Web Bill Pay for at least one bill per month. It's easy and it's rewarding! Call us at (907) 459-5900, 800-478-1949, or send and email to: info@spiritofak.com

CheckFree Corporation is the leader in providing electronic commerce to financial institutions throughout the country. At the core of CheckFree electronic commerce is an unmatched payment and processing engine that has the capacity to handle online payments for up one-third of all U.S. households. More than 6.3 million consumers receive and pay bills over the Internet or electronically through CheckFree. CheckFree distributes bills over the Internet at a run rate of more than 13 million bills per year. CheckFree's electronic commerce enables Spirit of Alaska to offer members unrestricted and secure access to bill payment and bill presentment through your personal computer and the World Wide Web. The range of service focus on enabling members to receive electronic bills and statements, make electronic payments and collections, automate paper-based recurring financial transactions and conduct secure Internet transactions.

CheckFree has set the standard for quality in the electronic billing and payment industry by achieving 99.7 percent systems availability and transaction processing quality.

Call (800) 268-5652 to reach the CheckFree Customer Care Center, or e-mail: webpay.support@certegy.com. You may also send a FAX to (727) 570-5219. The CheckFree Customer Care Center operates from 7:00 AM to 1:00 AM seven days a week with more than 800 service associates.

Web Bill Pay is designed to free you from the mundane, time-consuming chore of paying bills by check or money order. No more buying stamps, no more writing paper checks, no more wondering if your payment was delivered on time - with Web Bill Pay it is all done with the click of a mouse.

As a subscriber for Web Bill Pay, (enrolled member) you will log on to the CheckFree's Web Bill Pay directly from our Spirit of Alaska website. Simply click the Web Bill Pay link on our main menu. This will route subscribers directly to the Web Billing and Payment application that runs on a secure server at CheckFree. You will enter your Personal Security Code (PSC issued by CheckFree and maintained by the enrolled member) to establish a list of payees or choose from a menu of standard payees. Once your payee is established, you can literally pay everyone from the paper carrier to your mortgage company, all in just a few minutes and with a few simple mouse clicks. Sound to easy? That's the whole point!

After CheckFree authenticates the Subscriber (enrolled member) at login, all data is exchanged in real time from the CheckFree server. This allows you to have the most current information and enables Customer Care immediate access to information submitted by you for support purposes. Once connected to WEB Bill Pay members may request, receive, and submit information directly from the CheckFree server. CheckFree uses batch sweeps throughout the day and you may send payment instructions up to 4:00 PM Alaska time to begin processing that night.

Web Bill Pay features allow members to:

• Select from a large list of electronically-enabled billers to receive and pay your bills online. (The list of billers offering E-Bills grows daily.)
• Display a list of bill summary information and pay anyone in the United States and US Territories any time from your designated Spirit of Alaska checking account.
• Distinguish between paid and unpaid E-bills.
• Retrieve bill detail through a hyperlink to the biller-hosted web site.
• Easily add, change or delete new payees any time.
• Schedule payments to multiple payees from a single screen.
• Schedule single or recurring payments and schedule payments up to one year in advance.
• Review pending payments, payment history, and the status of each payment.
• Modify or cancel payment instructions (as long as the payment has not begun processing.)
• Inquire about the posting status of a payment (after it has been processed).
• Download transaction data in a format that can be imported into Personal financial Management software.
• Consult online help and a list of Frequently Asked Questions. Web Bill Pay also supports a built-in messaging device through which members can correspond with CheckFree Customer Care representatives.
• No worries with the security and safety features incorporated into Web Bill Pay to protect all member data and personal information.

It's as easy as following a few simple steps to enroll and get activated with Web Bill Pay. A Web Bill Pay QuickStart document is available to Subscribers online. It can be accessed once the Subscriber receives their User Name and Password from CheckFree and logs on to the Web Bill Pay site. This brief document steps new Subscribers through the process of getting started with Web Bill Pay. Please review the following steps to see how quick and easy it is to enroll for CheckFree's Web Bill Pay service:

Step 1: Click here to enroll online now or view frequently asked questions.

Step 2: CheckFree Processes Enrollment Forms

Step 3: CheckFree Rejects Incomplete or Inaccurate Enrollment Forms
CheckFree will reject all incomplete or inaccurate enrollment forms. They will contact you to provide them with hard copy documentation to confirm your identity and address if your online enrollment form is rejected. Please send notarized copies if CheckFree requests additional information.

Step 4: CheckFree Activates New Subscribers
CheckFree activates the Web Bill Pay accounts. You may begin using Web Bill Pay immediately once your account is activated.

Step 5: You may change your User Name and Password within Web Bill Pay

Step 6: Changes
If you need to make changes, you will key those changes online from within the Web Bill Pay service. The CheckFree server is then updated automatically.

SoAFCU reserves the rights to deny, terminate, cancel and/or suspend member's Web Bill Pay Service account at any time for any reason. To enroll for the Web Bill Pay Service, member must maintain a checking account in good standing with SoAFCU.

CheckFree has developed several remittance methods and at CheckFree's discretion your payment will be processed as an electronic ACH (automated clearing house) or laser draft. With an electronic ACH your account is debited the day your payment is credited to your payee. You will know your payment has been processed as a laser draft and posted to the payee when it clears your account, just like any other draft you may issue to a payee.

You need to schedule your payment a minimum of 4 days prior to the payment date. You should also keep in mind that when laser drafts are mailed CheckFree cannot be responsible for post office delays. CheckFree does expect the payee to receive the remittance on the payment date, however, the cannot guarantee the payee will post the payment on the day of receipt. Call (800) 268-5652 to reach the CheckFree Customer Care Center, or e-mail: webpay.support@certegy.com. You may also send a FAX to (727) 570-5219 in the event you may need to cancel a payment before it processes.

If you have any questions concerning a Web Bill Transaction, call (800) 268-5652 to reach the CheckFree Customer Care Center.

Spirit of Alaska FCU Member Service Representative do not have access to your Web Bill Pay transaction information until it clears your account. Consequently, they do not have the ability to cancel payment, adjust payment dates or make any other changes to your Web Bill Pay transactions. CheckFree adheres to specific service standards when providing Customer Service.

• The Eagle Firewall is a flexible application-level gateway that secures bi-directional communication through the Internet. It includes monitoring and alters for suspicious activity, can authenticate multiple types of encryption, and is enhanced with proxy software to foil IP spoofing attacks.
• Utilizes 128-bit Secure Socket Layer, the standard protocol that enables secure electronic financial transactions on the Internet.
• Members may change access codes at any time to help prevent unauthorized access to your online account. The application logon process authenticates each user as a CheckFree Subscriber and verifies that the Subscriber is authorized to use the service.
• A system "time-out" feature automatically ends an inactive Subscriber session after 10 minutes of inactivity.
• Secure Subscriber Access allows Subscribers access only their own data with Web Bill Pay and CheckFree applies security access levels to Customer Card screens, so representatives may only view and change data within their level of authorization.
• CheckFree Guarantee protects members in the unlikely event of unauthorized transactions or processing delays when payments are processed through CheckFree.
• User Logon Safety -- If a Subscriber incorrectly enters access codes on multiple, successive attempts the service account is suspended until a Customer Care representative assists the Subscriber. CheckFree allows five unsuccessful attempts before an account is suspended.
• The CheckFree server operates 7-days a week 24-hours per day with an availability of 99.9% on a rolling three-month basis.
• Disaster recovery restores the system intact within 12 hours. In the event of a power failure at the server location, the server will operate for up to 30 minutes.
• CheckFree continuously monitors system performance and keeps Spirit of Alaska FCU informed of changes that may impact performance.

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