SYBIL

Bank By Telephone!

SYBIL IS HERE!

    SYBIL allows you to access our credit union computer with a touch-tone phone* AND a personal identification number (PIN). A PIN is your "signature" and your authorization to complete the inquiry or transaction. SYBIL is available to access your credit union accounts 7 days a week, 24 hours a day.

* Not all push-button phones are touch-tone phones. If you hear a clicking sound when you press a button, your phone is NOT a touch-tone phone. You can buy converters for these and regular rotary dial phones. Most pay phones are NOT touch-tone phones. Contact your phone company for information on touch-tone phones.

Things To Remember

  1. You must press the keys on your telephone key pad FIRMLY.
  2. You must have a PIN to use the services available through SYBIL.
  3. Each phone call is limited to FIVE requests per phone call.
  4. All TRANSFERS and WITHDRAWALS are limited to regular shares, funds manager, SLY, and share draft checking accounts.
  5. SYBIL will not allow a transfer which results in a negative share balance.
  6. SYBIL will not allow a transfer below the share pledge.
  7. PIN code changes made by YOU will take effect immediately. Decide on a 4 to 6 digit PIN number that will be easy for you to remember.
  8. SYBIL will talk you through all needed instructions.
  9. Your monthly and/or quarterly statement will indicate all monetary transactions conducted through SYBIL.
  10. Transactions are entered in full dollar amounts, no cents. $5.00 becomes 5, followed by the pound(#) sign. The pound (#) sign transmits the information to the computer.
  11. If you make a mistake entering your account number, press the star (*) button. This will take you to the previous step in the transaction or inquiry.
  12. SYBIL will be operational on your accounts within minutes from the time the credit union recieves YOUR assigned PIN.

It Is Safe And Secure

    Access to your account through SYBIL is controlled by your PIN. If you do not have a SYBIL PIN, contact any member service representative at any branch to set one up. Your PIN is a 4 to 6 digit security code that only you know. No one else can get information or transact business on your account without the security code.
    Once a PIN is issued to a member, no one can change the PIN but you or an authorized credit union employee.You have the option to change a PIN after it is initially programmed, any time you call in and access SYBIL.

Loan Information

Member Liability For Unauthorized Persons

    If you believe that your PIN has been stolen or used by an unauthorized person, you must report this to the credit union at once. You may also want to immediately change your PIN by directly calling SYBIL and making the change. Telephoning is the best way to keep losses to a minimum. If you do not notify us right away, you could lose substantial sums of money. If you notify us within two business days, during the time someone uses your account without your permission, you can lose no more than $50.
    If you do not notify us within two business days after learning of the theft of your PIN, and we can prove that we could have stopped someone from using your PIN if you had told us, you could lose as much as $500.
    If your statement shows transfers that you did not make, notify us at once. If you do not notify us within 60 days of receipt, you may be liable for any losses incurred.

SYBIL Disclosures

    This disclosure is pursuant to the Federal Electronic Funds Transfer Regulation. The use of your SYBIL PIN is subject to the following regulations covering the rights and liabilities of the user and the Fire Police City County Federal Credit Union.

Member Liability

    If SYBIL privileges are abused, as determined by Fire Police City County Federal Credit Union, the credit union has the right to discontinue telephone access to that member.

Credit Union Liability

    If we do not properly complete a transfer to or from your account according to our agreement with you, we are liable for your losses, or damages. However, there are some exceptions. We are NOT liable if, through no fault of ours, your account does not contain enough money to make the transfer or SYBIL was not working properly and you knew about the condition when you began the transaction.

Questions About Your Statement

    If you think your statement is wrong, or if you need more information about a transfer on a statement, call us at (260) 484-2102 or write us as soon as possible. All of our contact information can be found using the "Contact Us" button on the left. We must hear from you within 60 days after we have sent you the first statement on which the error appeared.

  1. Tell us your name and account number.
  2. Describe the error or the transfer you are unsure about, and explain as clearly as possible why you believe it is an error, or why you need mored information.
  3. Tell us the dollar amount of the suspected error.

    If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
    We will tell you the results of our investigation within 10 business days after we hear from you, and we will correct any error on our part promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or questions. If the investigation is extended, we will credit your account within 10 business days for the amount you think is in error. This will ensure that you will have the use of the money during the time it takes to complete our investigation. If we ask you to put your complaint in writing, and we do not receive it within 10 business days, we may not credit your account.
If we decide that there was no error, we will send you a written explanation within three business days after completion of our investigation. If requested, we will provide copies of the documents used in our investigation.

Call SYBIL:
(260) 484-2102
(800) 435-3093

3306 North Clinton St. Fort Wayne, IN 46805 - 260-484-2102