Click Home Banking to access your account or Click here to request a Home Banking Application

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Entering the World of Home Banking Can't Get any Easier!

With VIRTUAL BRANCH® Home Banking and Bill Payment Services* from Baptist Regional Medical Federal Credit Union, you'll free yourself from all the hassles that make banking and bill payments time consuming.

• No check writing, no stamps or envelopes.
• No "better get to the Credit Union before it closes."
• No waiting, no lines, no delays...not with VIRTUAL BRANCH® Home Banking and Bill Payment Services.

VIRTUAL BRANCH® puts you in control, BANKIT^SM and PAYIT® Services* allows you to access your accounts by your personal computer via the Internet whenever and wherever you want.

Try VIRTUAL BRANCH® Banking and experience life without the drudgery and aggravation of teller lines or bill payments by mail. You pay nothing for Home Banking and only $6 per month for Bill Payment Services. That's less than the cost of stamps and checks. You may sign up for Home Banking without Bill Payment Services.

Benefits of Home Banking

Access Your Accounts Anytime, Anyplace With BANKIT^SM Account Access

With Baptist Regional Medical FCU BANKIT^SM Home Banking Service, you can get the balance of any of your listed accounts (Share Draft/Checking, Share Savings, Special Share Savings, Christmas Club, Select Savings-Certificate, and IRAs) on a simple consolidated account list. Your balance information is delivered with up-to-the-minute accuracy. In addition, you can check other important information like your next payment date on loans and dividend information on investments. Every account can display current transaction history at the touch of a finger so you keep your checkbook register up-to-date and your statement balanced.

Transfer Funds

Transfer funds among some of your accounts. You can move money from one account to another, transfer a fixed amount on a regular basis automatically, or enter an amount for immediate or future transfer. Make loan payments or advance funds from your Line of Credit. Every transfer is assigned a unique confirmation number to make it easy to verify the transaction.

PAYIT^® the Faster Way to Pay Bills

PAYIT® is a new bill payment service offering an alternative to the traditional method of paying bills. Instead of writing a check and mailing the payment to the merchant, you can handle all your payments automatically through PAYIT®.

You can schedule payments to be made on certain dates. In addition, PAYIT® gives you a confirmation number for every payment and keeps track of your last 18 months' payment history. These features make PAYIT® an excellent record keeper. You no longer have to keep track of payments made--PAYIT® does it for you.

Paying Bills Has Never Been Easier

Using PAYIT® involves only three basic steps:

• First, set up your personal list of merchants.
• Pay your bills today, in the future, or on a recurring schedule.
• Change or cancel your payment information as necessary.

How to Set Up Your Personal Merchant List

To pay a bill with PAYIT®, you must add the merchants you want to pay to your personal merchant list along with their associated account numbers. You can request any merchant to be paid. Once set up and active, you can make payments right away.

PAYIT® does not make the following payments:

• Tax Payments
• Payments for other government obligations such as court directed payments.
• Transfer between your accounts.

How to Set Up Payment Types

PAYIT® supports two types of payments:

• A one-time payment on the date you specify.
• An automatic payment that will occur for up to 10 years on the date and frequency you specify.

The system will suggest an appropriate lead time for payments depending on the merchant selected. PAYIT® lets you cancel or change any payment up until the scheduled payment date.

How PAYIT^® Processes Payments

PAYIT® begins processing all payments scheduled for each business day at 2 p.m., E.T. If you need to schedule, change or delete a payment for that day, you must do so before 2 p.m., E.T.

Payments scheduled for non-business days are processed on the next business day. Automatic payments that fall on a non-business day may be processed on the business day preceding the payment date.

How PAYIT^® Pays Your Bills

PAYIT® uses one of the following methods to pay your bills.

• Electronic payments to merchants capable of accepting electronic payments.
• Single Check payments to merchants who do not receive electronic payments.

How PAYIT^® Manages Insufficient Funds

If you do not have enough money in your account to cover your payment, the payment is failed and you receive a "Failed Payment" message when you access the MAILIT^SM system*.

MAILIT^SM Messaging Service

As an added benefit of VIRTUAL BRANCH®, you get an individual message mailbox in which to send private messages to our Credit Union and receive a reply. Use it to request a service, ask a question, or explain a problem. MAILIT^SM is always available 24 hours a day providing a two-way message link to speed answers to your questions and requests.

VIRTUAL BRANCH® is Fast, Easy-to-Use, and Convenient:

• Available 24-hours, 7-days-a-week from the Internet.
• Select any merchant for payment from our master list, or request a new merchant.
• Schedule one-time or recurring payments up to 18 months in advance.
• Receive automatic notification of failed payments.
• Review 18 months of payment history.
• Change or cancel payments if necessary.
• Send and receive electronic messages from your Credit Union.
• Export transaction history to personal financial management software such as Microsoft® Money or Intuit Quicken®.
• Personalize the service to your individual preferences.
• Select your own private security code.
• Receive helpful and friendly member service.

To access Your Virtual Branch online Home Banking click here.

To see the new online Virtual Branck demo......

1. Log on to the Internet using a connection from your personal Internet Service Provider and your browser software.
2. Once on the Internet, go to the Credit Union HOME BANKING website This site contains general information about security and using the service.
3. Once logged into the service click on the demo.

That's all there is to it!

Need Assistance?

Call your Credit Union staff anytime to get help with the service, your account, or research a problem (850) 444-7030 or (800) 447-7032.

*VIRTUAL BRANCH is a registered trademark of IntegraSys
*BANKIT is a service mark of IntegraSys
*PAYIT is a registered trademark of IntegraSys
*MAILIT is a service mark of IntegraSys
*INTERACTIVE is a registered trademark of IntegraSys

Click here to request a Home Banking Application