Frequently Asked Questions
Don’t see your answer below? Give us a call at 512-836-5901 or chat with us during normal business hours. After business hours, email us and we’ll get back to you within one business day.
Online Banking
General Features & Browser Compatibility
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Separate logins for joint owners on an account
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To set up a separate login for a joint owner on your account, please either email us, call us at 512-836-5901 (toll-free 800-237-5087), or send us a secure message while signed into Online Banking. Please be prepared to verify your identity.
Viewing last year's tax statements online
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The most recent year’s tax statements are available via View Tax Statements in Online Banking. If you are enrolled for eStatements, you may also view your tax statements via the eStatements menu option. Be sure to select the S1 account for your member number, as all sub-account tax information (Savings, Share Certificates, Money Markets, etc) are grouped together.
Compatible browsers and operating systems
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We regularly monitor and test browsers to ensure the highest security standards. The latest two (2) versions of the following browsers are supported:
- Internet Explorer
- Firefox
- Safari
- Chrome
The latest two (2) versions of Microsoft and Mac operating systems are supported.
JavaScript and how to enable it on your web browser
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JavaScript is a scripting language used in web browser applications to enable functions on the web browser side, such as pop-up alert boxes.
Much of Amplify's Online Banking functionality relies on JavaScript, and therefore it must be enabled on your browser.
How to enable JavaScript on your browser:
Internet Explorer (most versions):
- From the "Tools" menu, select "Internet Options"
- Select the "Security" tab -- you should see a list of icons (Internet, Local Intranet, Trust Sites, Restricted Sites, etc.)
- Click the "Internet" icon
- Click the "Custom Level" button. Scroll down to the section labeled "Java"
- In the "Java Permissions" sub-heading, verify that "Disable Java" is not checked
- Scroll down to the section labeled "Scripting," and in the "Active Scripting" sub-heading, verify that "Enable" is checked.
Mozilla Firefox (most versions)
- In the "Tools" menu, select "Options"
- In the left-side menu, select the "Web Features" icon
- In the main section, ensure that "Enable Java" and "Enable JavaScript" are checked
- Click OK again to close the Internet Options window
Troubleshooting
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Common Online Banking Issues
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Unable to transfer between accounts
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It could be one of the following issues:
- Amplify has transaction limits in effect for security purposes. Please call us at 512-836-5901 (toll-free 800-237-5087) for more information.
- Do you have a past due loan with us? Please contact Amplify via secure messaging or by calling 512-834-6548 for assistance with your transaction.
- Do you have multiple online banking sessions open at the same time? If so, close all of your browser windows and try again.
Unable to approve transfers
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It could be because you have installed the Google Chrome Frame Plug-In for Internet Explorer. This browser feature can cause several issues for our online banking users, including preventing you from approving a transfer.
Symptoms: Clicking "approve" does nothing, but if you click "approve" again, you get an error pop-up that reads "Operation is currently in progress." The transfer never gets approved.
Unable to read secure messages
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It could be because you have installed the Google Chrome Frame Plug-In for Internet Explorer. This browser feature can cause several issues for our online banking users, including preventing you from seeing the content of a secure message.
Symptoms: Double-clicking the secure message does nothing.
Unable to view eStatements and/ or online tax statements
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Check the following tips for viewing eStatements and online tax statements:
- You may need to temporarily disable pop-up blockers and try again. You may need to log out of Online Banking and log back in for this to take effect.
- You may need to “always allow pop-ups” from cunotify.goamplify.com and/or set it as a “Trusted Site” in your browser settings.
- If you are not signed up for eStatements, you will not receive an electronic statement, and will therefore not be able to view your statements in Online Banking. You will instead receive paper statements in the mail. The same applies for online tax statements.
- If you did not meet the minimum amount of interest required for tax reporting ($10 for interest-bearing accounts), you will not be able to view an online tax statement for that year.
- When viewing online tax statements, be sure to select the S1 account in the dropdown menu when choosing which account to view. Tax information for all sub-accounts under the same member number (Savings, Share Certificates, Money Markets, etc.) is grouped into a single tax statement. If you have multiple account numbers, each account number will have its own tax statement.
If your issue persists, please contact us at 512-836-5901 (toll-free at 800-237-5087). You can also send us an email or chat with us.
Common Error Messages
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"Problem signing on"
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The error message may be due to one of the following:
- Are you using the correct password? Your Online Banking password is different from your Bank by Phone password, and it is easy to get the two confused.
- As a security measure, users will be locked out of the system after 3 failed sign on attempts have been made. Contact Amplify at 512-836-5901 or 800-237-5087 to have your password reset if you’ve been locked out.
- If you suspect you've forgotten your password(and are not yet locked out of the system), enter your login ID, click Sign In, and then check the box for “Forgot Password.”
"Online Banking temporarily unavailable"
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Occasionally, back-office processing, system maintenance, or technical problems result in Online Banking being temporarily unavailable. Service is usually restored within an hour or two. We sincerely apologize for any inconvenience this causes, and we take these issues very seriously.
"Timed out" error in Bill Pay (Safari and Firefox users)
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Safari users:
Click here for a work-around for this issue.
Firefox users:
Click here for a work-around for this issue.
Issues with Google Chrome Frame Plug-In for Internet Explorer
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Known issues
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- Unable to approve transfers: clicking "approve" does nothing. Clicking "approve" a second time produces an error pop-up message that says "Operation is currently in progress" but the transfer never gets approved.
- Unable to see marketing banner in Online Banking: instead of seeing the banner, you see the "broken image" box (box with a red X).
- Unable to read secure messages: double-clicking the message does nothing (similar to approving a transfer).
- Unable to use Bill Pay: when you click "pay bills" the Bill Pay frame appears, but the Amplify login page appears where the payees would normally be listed.
How to disable the plug-in
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It is uninstalled like regular software using the "Add or Remove Software" function in Windows. Merely disabling in the browser does not yield a successful result.
From the Windows Start Menu, select Settings then Control Panel. Select Add or Remove Programs.
Logging In, Security Features, and Anti-Phishing
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Browser Registration
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When and why to register a computer and/ or browser
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Browser / computer registration is a security feature of Online Banking. You will be asked to register your browser via Secure Access Code the first time you log into Online Banking from any browser not previously registered. You may register as many computers / browsers as needed. Please be aware, however, that browser activation expires every 365 days.
We give you the option to register your computer so you will not have to enter a secure access code every time you log in. If using a public computer (library, public computer lab, etc), you should use the option for a 'one time only' registration. Amplify does not recommend registering public computers for future access.
Secure cookies -- what are they?
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A secure cookie is a small encrypted text file placed on a computer to help identify the user. With our Online Banking system, the encrypted cookie stored on your PC during login lets you bypass the Secure Access Code/ Browser Registration step whenever you access Online Banking in the future.
Secure Access Codes & Common Issues
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Secure Access Codes - an overview
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Secure Access Codes are extra layers of security to safeguard your account. They are delivered to either the email address or telephone number that you provide to us when you open your account. Note: The short code from which our Online Banking secure access codes and security alerts are delivered via SMS (Text) is 86434.
Prior to logging in to Online Banking, you must register your browser by requesting a Secure Access Code. Upon receipt of the code, you must verify the 6-digit code prior to proceeding to Online Banking.
Configuring Secure Access Code delivery: While logged in to Online Banking, click on the Security link under Preferences in the left navigation bar. Click the Secure Delivery tab, then Add Delivery Contact. In the drop-down menu, select the delivery method and enter the required information. Click OK when you are finished.
Updating Secure Access Code delivery email or phone number: While logged in to Online Banking, click on the Security link under Preferences in the left navigation bar. Click the Secure Delivery tab, then click on the delivery method to edit. The edit icon is just to the left of the red X. The red X will delete the selected delivery method. If you are attempting to log in to Online Banking and none of your Secure Access Code delivery options are accurate (preventing you from logging in), contact us at 512-836-5901 (toll-free 800-237-5087) during normal business hours so we can update this for you. Please be prepared to verify your identity.
Having to request Secure Access Codes with every sign-in
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Amplify Online Banking and Bill Payer rely on secure cookies to function properly. Your browser should be configured to accept cookies from amplifyonline.goamplify.com and q2.billdomain.com. If your browser is configured to regularly delete cookies, or if you use an application that regularly deletes cookies from your computer, you will need to manually adjust the settings to accept cookies from us.
For help configuring cookies on most browsers:
If you do not see your browser listed above, or if you need help determining which browser you use, please call us at 512-836-5901 (toll-free 800-237-5087).
My Secure Access Code isn’t working
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Keep the following information in mind when requesting or retrieving a Secure Access Code:
- If you do not receive the requested code via text, please send START to 86434 to initiate the service.
- Each Secure Access Code is only valid for 30 minutes after receipt. After 30 minutes, you must request a new one.
- Each Secure Access Code can only be used once. If you have already used the code, request a new one.
- If you regularly clear your browser cookies, you’ll be prompted to get a secure access code each time you log in to the system. This is a security feature designed to prevent unauthorized users from non-recognized computers from accessing your account. If clearing cookies is required in your situation, check the Alternative to Secure Access Codes section of this FAQ page for instructions on enabling the Challenge Code.
- Occasionally the Secure Access Code server goes down. We take these situations very seriously and work to have them restored within 2 hours. There are alternatives to Secure Access Codes you may also try.
Alternatives to Secure Access Codes
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Instead of requesting a Secure Access Code through the standard authentication process, you may opt to enter a challenge code (in addition to your User ID and password).
This is especially useful for those that regularly delete cookies, or if Secure Access Codes aren’t working.
To set up a Challenge Code, click on the Security link under Preferences in the left navigation bar. Click the Challenge Code tab and enter the code of your choice, bearing in mind the requirements.
Passwords
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Password recommendations
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Amplify recommends the following password safety tips:
- Do not save passwords in browsers. Many browsers will ask you if you want your password or login credentials to be saved. It is not a good idea to save your Online Banking credentials in any browsers.
- Change your Online Banking password periodically.
It's good practice. See "Password requirements" for more information.
- The longer the password, the better. As long as it's no longer than 18 characters (see "Password requirements" for more information).
- Do not use the same password across multiple online accounts. Using different passwords for different websites makes it harder for hackers to guess your Online Banking password in the event they are able to steal your password from another (possibly less secure) website with whom you have an account.
Password requirements
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- Must be between 7 – 18 characters in length
- Must contain at least 1 number
- Must contain at least one upper case letter
- Must contain at least one special character
- Must be different than the most recent two passwords you’ve used
Common password issues
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Passwords are case-sensitive. Ensure your CAPS LOCK is appropriately on or off.
If your password is saved in your browser, it may have been saved incorrectly. Try erasing it and manually typing it in.
If you recently changed your password, ensure you are using the correct one. If your password is saved in your browser, it is probably trying to enter the old one.
Remember! Users are locked out of the system after 3 failed login attempts. If you are locked out, please call us at 512-836-5901 during normal business hours. Please be prepared to verify your identity.
Issues resetting password
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The system remembers the last two passwords you used and will not allow you to use them again (until you’ve gone through the cycle twice).
Ensure your new password meets Amplify’s password requirements.
"Forgot password" isn't working
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"Forgot Password" can only be used if you have not yet locked out your account. After 3 failed attempts, users are locked out of the system to prevent unauthorized access to the account.
If you have forgotten your password, do not continue trying to log on until you are locked out. Instead, click the "Forgot Password" option to reset the password.
If you are locked out of the system, call us at 512-836-5901 for assistance.
Anti-Phishing
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What is phishing?
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Phishing is a fraudulent attempt, usually made through email or instant message, to acquire sensitive information such as usernames, passwords and credit card details. You are usually asked to click the link, which takes you to a fake web site which is made to look like the Amplify web site.
If you enter your username and password on a fake site, fraudsters are able to capture your username and password. If you have set up an anti-phishing phrase, you will NOT see your phishing phrase when you enter the site.
If you think you have been phished, contact Amplify immediately. If you have not set up an anti-phishing phrase, you have less protection from this type of fraud.
What is an Anti-Phishing Phrase and how do I set it up?
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An anti-phishing phrase is a word or phrase displayed on the main login screen before you enter the site. This lets you know you are on the legitimate Amplify site and not a "fake" version that is trying to steal your information. Since you configure this phrase, it is impossible for fraudsters who build a fake site to display it.
Uses
- If you set up an Anti-Phishing phrase, you will see it every time you log in to Amplify’s secure Online Banking. It is a sign that you are actually on Amplify’s site.
- If you set up an Anti-Phishing phrase and do not see it when you are logging into Online Banking, close the browser window immediately.
Setting up an Anti-Phishing Phrase
- Log in to Online Banking and choose 'Security' from the 'Preferences' menu. Click the "Phishing Phrase" tab and follow the instructions. Note: You must allow pop-ups from amplifyonline.goamplify.com in order for your anti-phishing phrase to be properly set. If you do not see a pop-up window acknowledging the setting of your phrase, you will not see it displayed on the Amplify site.
- You may also view our Anti-Phishing Phrase step-by-step tutorial, complete with screenshots.
Common issues with Anti-Phishing Phrases
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Your phishing phrase is tied to the browser and computer on which you established it. You will see your phrase on all browsers (MSIE, Netscape, Safari, Firefox) through which you submit a phrase. In other words, if you set up a phishing phrase on Internet Explorer and then log in to Online Banking via Chrome, your phishing phrase will not appear.
There may be other reasons why your phishing phrase isn’t appearing:
- Please allow up to 30 seconds for your phishing phrase to load to compensate for different web page loading times. If you do not see your phrase after 30 seconds, please contact Amplify at 512-836-5901.
- If you set up the phishing phrase using one browser and are now attempting to sign on using a different type of browser, you will not see your phishing phrase. When you submit your phishing phrase, it is effective on the specific browser used on the computer from which you established the phrase. Note: if you submit a new (different) phrase on another (second) computer/browser, the newly submitted phrase will be shared on all previously used browsers. In other words, only one phishing phrase will be associated with your login ID at any given time. A single login ID cannot have different phishing phrases set up on different browsers/ computers.
- If you have not created or re-submitted a phrase since the Amplify web site was revamped (January 11, 2011) you will not see it displayed. Simply re-submit your anti-phishing phrase and you should see it displayed over the login area on the Amplify site. Note: You must allow pop-ups from amplifyonline.goamplify.com in order for your anti-phishing phrase to be properly set. If you do not see a pop-up window acknowledging the setting of your phrase, you will not see it displayed on the Amplify site.
- It is also possible you do not see the anti-phishing phrase because the site you are on is not our secure online banking site. That is, in fact, the reason we have an anti-phishing phrase, so you can be aware of attempts by malicious individuals to lead you to an unauthorized version of our site, referred to as "phishing". The absence of your phishing phrase may be the only way to tell the difference between our site and an unauthorized version of our site. If you are certain the absence of your phishing phrase is not due to the cookie explanation given above, contact us immediately and DO NOT log in.
Bill Pay
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"Timed Out" error (Safari and Firefox users)
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Safari users:
Click here for a work-around for this issue.
Firefox users:
Click here for a work-around for this issue.
How do I obtain Bill Pay transaction history?
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In Bill Payer, click on the arrow to the right of the payee’s name, and select View Transaction History.
When I schedule a bill, when do the funds debit my account?
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When a payment is scheduled, funds are not immediately deducted from your balance. The funds are debited on the next business day after the funds are sent.
View the entire Bill Pay FAQ.
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Quicken and Mint.com
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Syncing Amplify Online Banking with Quicken
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Quicken "Error CC-502"
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Mint.com known issues
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If you have a Mint.com account (created prior to March 2010), and it no longer connects to Amplify, here's what Mint.com says to do:
- Mark your old AmplifyFCU account as "closed"in Mint.com. We do not recommend deleting the account so as to preserve the historical data already pulled in from your online banking.
Steps to close an account in Mint:
- Click "Your Accounts" in the upper right corner of the page.
- Locate the account(s) you want to change.
- Click on the specific account, then click "Edit Details".
- Use the drop-down box on the right to mark the account closed.
- Add the new Amplify FCU option found in the Add Account page.
Note: There is a possibility of transaction duplication or missing some transactions. This is because the amount of data, that Mint currently pulls, varies with the general average going back about thirty days from the date when the account has been successfully added in Mint. We currently don't have a way to pull in more information. Users may, however, add the missing transactions manually. On the Transactions tab, see the "Add Transaction" button that appears at the top right corner of the transactions list.
Additionally, transaction information would continue to compile in your account as long as you keep the account attached to Mint.com. Removing the account from Mint will also remove all the transactions pulled in from the account.
Mobile Banking
Mobile Banking App and Smartphone Compatibility
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Amplify’s Mobile Banking App is compatible with iPhones and Android phones.
Members must first set up Online Banking and Bill Pay on a computer before using the Mobile App to check balances, pay bills, make transfers.
Android Users: Android recently released an update that removes the decimal point from the numeric keyboard. Amplify suggests installing the Google keyboard for the Android Phone to fix this issue. For instructions on how to do this, Click Here.
Where to Download the App
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Amplify’s free Mobile Banking App is available for download in the Apple App Store and the Google Android Market.
If the Amplify Mobile Banking app is not appearing in your phone’s app store, your phone does not support the features of this application.
You may also want to install the Google keyboard for your Android Phone. For instructions on how to do this, Click Here.
Mobile Banking App Features and Security
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Paying Bills with Mobile App
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Amplify’s free Mobile Banking App allows you to pay bills safely and securely from the convenience of your phone. Make sure Bill Pay has been set up through Online Banking first (from a computer).
For security reasons, we do not allow payees to be set up in the Mobile Banking App. However, new payees set up in Bill Pay in Online Banking are immediately available in the Mobile App and Online Banking.
Depositing Checks (using the Mobile App)
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First-time Users
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Amplify’s free Mobile Banking App allows you to deposit checks directly into your Amplify account using your smartphone camera. Make sure Online Banking has been set up from a computer before logging into the Mobile Banking App on your phone.
Mobile Check Deposit Eligibility
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Mobile Check Deposit is available to all Amplify members who meet the following qualifications:
- Has been a member for at least 90 days
- Has an Amplify checking, savings, or money market account
- All share accounts are in good standing
- Has not been cut off or disabled from using Privilege Pay
What to do with the check after it's deposited (via Mobile Check Deposit)
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Amplify recommends you mark the check as “void” and file the item with your records to ensure it is not confused with other checks and accidentally presented for payment.
Mobile Check Deposit Funds Availability
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Up to $200 will be available immediately. A two business-day hold will be placed on the remaining balance of the check deposited.
If multiple checks are deposited in a single day using Mobile Check Deposit, only the initial $200 will be available. Any additional funds deposited in the same day will be placed on hold for two business days.
Mobile Check Deposit Daily Limits
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- Members with an active loan in good standing have a $7,500 daily Mobile Check Deposit limit.
- Members without an active loan have a $3,000 daily Mobile Check Deposit limit.
- Amplify is able to grant one-time deposit limit increases when special situations arise. Please call us at 512-836-5901 (toll-free 800-237-5087) to authorize this, and please be prepared to verify your identity.
Depositing a check written to someone else
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It is not permissible to deposit a check written to someone else into your account. Doing so may result in termination of Mobile Check Deposit privileges.
Depositing a check you’ve written to yourself using Mobile Check Deposit
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If you write yourself a check from your Amplify account, you are not allowed to deposit that check into that same Amplify account.
It is permissible to deposit said check into a different Amplify account that you own or are joint on.
Depositing non-US checks using Mobile Check Deposit
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Currently, this feature is not supported. Checks drawn on financial institutions outside the US or in a foreign currency require extra documentation that must be filled out at a branch.
Mobile App Security
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Amplify offers the same level of security as Online Banking. Personal information is protected by advanced encryption technology to prevent unauthorized access.
Amplify Services
Debit Cards & Credit Cards
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Debit Card General Info
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MasterCard Secure Code
Register your new MasterCard® Debit Card with MasterCard® SecureCodeTM for extra protection when shopping online. Your SecureCodeTM is your own personal code that must be provided when making purchases online at participating merchants, similar to a PIN. Sign up today - it's easy! Just CLICK HERE.
Change PIN number
Visit any one of our Amplify branches to reset you PIN to a 4 digit number of your choosing. If you do not live locally, we can mail you out a new PIN by contacting us during business hours at 512-836-5901 (toll-free 800-237-5087). In this instance the PIN number can’t be personalized and will take about 14 days to be delivered through the mail.
Travel notification
Via Online Banking (easiest method): You can send a secure message by logging into Online Banking and clicking on Secure Messaging from the left-hand menu under Services. In the secure message you will need to advise of your travel dates along with where you will be traveling.
If accessing Online Banking is not an option, please give us a call during business hours at 512-836-5901 (toll-free 800-237-5087).
Debit card is expiring
A new debit card will automatically be sent to the mailing address on file. You will receive your new card 1-2 weeks before your current card expires.
Need a new debit card
Visit any one of our Amplify branches to receive a new card immediately. If you do not live locally, we can mail you out a new card by calling 512-836-5901 (toll-free 800-237-5087). Debit cards ordered over the phone take about 14 days to be delivered through the mail.
Debit card is not working
In the event your debit card isn’t working we recommend you attempt to make your purchase using your debit card with your PIN number. If you are unable to make the purchase using your PIN or that option isn’t available, please contact us during business hours at 512-836-5901 (toll-free 800-237-5087). If it is outside of business hours please dial 800-889-5280 for assistance.
Reporting a lost or stolen credit card or debit card
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To report a lost or stolen credit card (available 27/7):
- Consumer card: 800-558-3424
- Business card: 866-552-8855
To report a lost or stolen MasterCard® Debit Card (available 24/7):
- Consumer card: 866-664-9364
Fraud and dispute information
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For a comprehensive overview of how to handle debit or credit card fraud or disputes, please click here.
Data Breaches and Debit Cards
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With debit and credit card use and online transactions increasing, merchant-related data breaches are on the rise. Please read some of the most common FAQs regarding these data breaches below, along with tips to help reduce your risk of being affected or
how to protect yourself if you are affected.
Q. What is a Merchant?
A. A merchant refers to any company that sells products or services to the general public. Merchants can be brick-and-mortar establishments or simply online stores. Merchants that accept debit and credit card payments are at-risk for these types of breaches.
Q. How do these card breaches keep happening?
A. Merchants that accept debit and credit cards as payment have multiple processors that handle the merchant’s daily debit and credit card transactions. When breaches like this occur, it means that an unauthorized individual gained access to consumer card numbers either through the merchant’s files or one of the card processors. This can be accomplished a number of ways including hacking, malware attacks, security breaches, or even by dishonest employees working for the merchant. Breaches happen to both online and brick-and-mortar retailers alike.
Q. If I get a replacement (new) debit card, will the PIN be the same?
A. Not necessarily. If your replacement debit card arrives in the mail, your new PIN will arrive separately in a security envelope. You can re-PIN the card at any Amplify branch.
If you picked up your replacement card at a branch, you would have chosen your PIN after the card was printed, before you left the branch.
Q. What kind of personal information is at-risk when these breaches occur?
A. The information encoded in your card that would have been exposed should only pertain to your card’s information.
Some personal information such as driver’s license number, or SSN are not encoded on the card,
however your name, card number, card expiration, and address are encoded and
could be compromised.
Q. Am I liable for any fraudulent charges that happen due to a compromise?
A. No, as long as the card was in your possession at the time of the fraudulent charges and they were reported to Amplify within 60 days of occurrence.
Additionally, you are covered by MasterCard®'s Zero Liability Protection1.
Q. How does Amplify protect me from debit card fraud?
A. Amplify issues MasterCard® debit cards that offer Zero Liability Protection1 on all fraudulent charges. We work with
MasterCard to investigate all fraudulent claims so that you don’t have to worry
about being held liable for unauthorized charges to your debit card.
Breaches that happen to a merchant or their processors are beyond the control or influence of any financial institution, including Amplify.
Q. Is there anything I can do to stop debit card fraud from happening to me?
A. Unless you want to stop using debit or credit cards entirely, there is no surefire way to completely eliminate the possibility of debit or credit card fraud. That is why Amplify partners with MasterCard® to bring you Zero Liability Protection.
Q. What should I do if I see fraud on my account?
A. Immediately report the charges to an Amplify representative by visiting your nearest branch or calling our Contact Center at 512-836-5901 and pressing option 3.
Foreign Transactions
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Purchases and cash withdrawals made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate
used to convert foreign currency transactions to U.S. dollars is either a government-mandated exchange rate or a wholesale exchange rate and
is selected by MasterCard. The rate MasterCard uses for a particular transaction is the rate MasterCard selects for the applicable currency on
the day the transaction is processed. This rate may differ from the rate applicable on the date the transaction occurred or was posted to your
account.
A fee of up to 1.00% will be charged on all transactions completed in a foreign currency. All fees are calculated based on the transaction amount
after it is converted to U.S. dollars. These fees are charged except where excluded.
Updating Personal Account Information
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Via Online Banking (easiest method): Sign in and choose "update contact info" in the "preferences" section in the left-hand menu. If your address is outside the United States, you can send a secure message by logging into your Online Banking account and clicking on Secure Messaging from the left-hand menu under Services.
If updating your information in Online Banking or via Secure Messaging is not an option, please stop by a branch to complete the request, or give us a call during business hours at 512-836-5901 (toll-free 800-237-5087). If updating your information by phone, please be prepared to submit a scanned copy of your ID. If updating your address or phone number, you may be requested to submit additional documentation for verification and security purposes.
If your situation requires that you submit required documentation via mail, please contact us ahead of time for more information.
ATMs & Credit Union Service Centers
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Credit Union Service Centers
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What are CU Service Centers?
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Amplify and many other credit unions nationwide belong to the Co-op Shared Branch Network, a cooperative effort that allows members of participating credit unions to take care of their banking at credit union locations that are most convenient for them.
Participating credit unions exist all over the nation, as well as in the Austin area.
By using Texas Credit Union Service Centers and the Co-op Shared Branch Network, your membership and accounts remain at Amplify, but you can access your accounts and conduct business through any of the convenient CU Service Centers locations.
Note: Shared branches outside of the Austin area do not necessarily belong to the Alliance of Austin Credit Unions. Therefore you may be subject to applicable ATM fees (if your Amplify account does not automatically reimburse ATM fees). If you have questions about whether or not your account includes this feature, please contact us.
Locating the nearest CU Service Center
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If browsing on a computer, the Co-op Shared Branch Network website allows you to search for a location by address or ZIP.
If searching on a smartphone, the Co-op Shared Branch Network has a free app available for download for iPhone and Android phones.
ATMs
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Locating free ATMs
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In the Austin area, all Amplify members have fee-free access to all ATMs in the Alliance of Austin Credit Unions network. Generally speaking, these are Austin-based credit unions in the Austin area.
ATM fee refunds
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Amplify members that have an S9 Free Checking Account with monthly direct deposits hitting the account get free nationwide ATMs. In other words, for those members that qualify for this feature, Amplify will automatically reimburse any ATM fees charged to the account on the very next business day. Amplify’s definition of Direct Deposit is every 35 days. Reclassification of this ATM feature occurs on the first day of every month.
Wires
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Outgoing Wires
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General outgoing wire information
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For security and fraud prevention purposes, all wires and wire forms must be completed either in-person at a branch or over the phone with a service agent.
Remote Wires over $20,000 require additional documentation. It is recommended that wires over this amount are completed in-person, at a branch. Please contact us during business hours if you have any questions or need to make other arrangements.
Domestic wire fee: $15
International wire fee: $60
Domestic Wires
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The following information is required to send a wire transfer from your Amplify account to an account at another financial institution. Wire fees apply. To ensure a timely transfer, please have all of the following at the time of wire initiation:
- Wire amount
- Receiving financial institution’s name and full address
- Receiving financial institution’s ABA (or Routing & Transit) number
- Recipient or beneficiary's name, full address, and account number
- Any special instructions
Completed domestic wire requests received prior to 2:00 PM weekdays will be sent same-day. Wire requests completed or received after the 2:00 PM wire cut-off time or on Saturdays will be sent on the next business day.
International Wires
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The following information is required to send a wire transfer from your Amplify account to an account at another financial institution outside of the United States. Wire fees apply. To ensure a timely transfer, please have all of the following at the time of the wire initiation:
- Wire amount
- Foreign bank's name, city, country, and branch location
- Foreign bank's ABA or SWIFT number
- U.S. correspondent bank's name and full address (information can be obtained from receiving financial institution)
- U.S. correspondent bank's ABA or SWIFT number
- Recipient's or beneficiary's name, full address, and account number
- Any special instructions
Completed International wire requests received prior to 1:00 PM weekdays (Monday-Friday only) will be sent same-day. We will be unable to process requests outside of this time frame.
Recurring/ Automatic Wires
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To arrange automatic and/ or recurring wire transfers, please contact us about completing a Pre-Authorized Wire Transfer form. You may also want to consider setting up a Recurring ACH, depending on your situation.
Incoming Wires
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To have a wire transfer sent to your Amplify account from another financial institution, you'll need to supply the sender with the following information:
- The credit union's full name and address: Amplify Federal Credit Union, P.O. Box 85300, Austin, TX 78708
- The credit union's ABA (or Routing & Transit) number: 314977227
- Your full name and credit union account number
Direct Deposits & Electronic Transfers (ACHs & EFTs)
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Direct Deposit
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To have a deposit electronically credited to your account at Amplify Federal Credit Union, you’ll need to supply your payroll department with the following information:
- Your account number
- Type of account the funds are depositing in -- savings or checking
- Our routing & transit number: 314977227
Electronic Transfers (ACHs & EFTs)
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To set up an electronic debit or credit between your Amplify account and an external account (either a bank account at another financial institution or a merchant, such as insurance or utilities), the following information must be provided to the other party:
- Your account number
- Type of account funds debited from -- savings or checking
- Our routing & transit number 314977227
Notarizations & Medallion Signature Guarantees
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Notary Services
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Amplify offers free Notary services to members. Stop by any branch with your personal identification and the documents to be notarized, and an Account Management Professional will be happy to help you!
Medallion Signature Guarantees
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Amplify offers complimentary Medallion Signature Guarantees to members. Because this service requires the aid of a Branch Manager or Assistant Branch Manager, we kindly ask that members make an appointment ahead of time so we may ensure prompt assistance.
Please review the Medallion Signature Guarantee Program Checklist to ensure all necessary documentation is brought to the meeting.
Tax Statements
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Will I receive a tax statement?
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You'll receive a 1099-INT tax form if:
- You have a deposit account -- Savings, Checking, Money Market, Share Certificate,
- You're the primary account holder on the account, and
- You earned a combined total of $10 or more in interest for all your accounts during the relevant tax year -- this includes accounts you may have closed.
You'll receive a 1098 tax form if:
- You have a Mortgage, Home Equity Loan, or Home Equity Line of Credit with Amplify
- You're the primary account holder on the account, and
- You paid $600 or more in interest on your Mortgage, Home Equity Loan, or Home Equity Line of Credit during the applicable tax year, OR
- You had $600 or more of a Home Equity Loan, Home Equity Line of Credit, or Mortgage cancelled or forgiven in the applicable tax year.
You'll receive a 1099-R tax form if:
- You took a distribution from an Individual Retirement Account (IRA) Share or IRA share certificate during the applicable tax year.
You'll receive a 5498 form if:
- You made a contribution, conversion, recharacterization, or rollover for an Individual Retirement Account (IRA) Share or IRA Share Certificate during the relevant tax year and/or made a contribution for the relevant tax year between January 1 and the current tax filing deadline without an extension.
- Your 5498 form will be available in Online Banking by May 31, or it will be mailed by this date if you receive paper statements.
Viewing last year's tax statements online
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The most recent year’s tax statements are available via View Tax Statements in Online Banking. If you are enrolled for eStatements, you may also view your tax statements via the eStatements menu option. Be sure to select the S1 account for your member number, as all sub-account tax information (Savings, Share Certificates, Money Markets, etc) are grouped together.
Issues viewing tax statements online
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Check the following tips for viewing eStatements and online tax statements. If your issue persists, please contact us at 512-836-5901, or toll-free at 800-237-5087. You can also send us an email or chat with us.
- You may need to temporarily disable pop-up blockers and try again. You may need to log out of Online Banking and log back in for this to take effect.
- You may need to “always allow pop-ups” from cunotify.goamplify.com and/or set it as a “Trusted Site” in your browser settings.
- If you are not signed up for eStatements, you will not receive an electronic statement, and will therefore not be able to view your statements in Online Banking. You will instead receive paper statements in the mail. The same applies for online tax statements.
- If you did not meet the minimum amount of interest required for tax reporting ($10 for interest-bearing accounts), you will not be able to view an online tax statement for that year.
When viewing online tax statements, be sure to select the S1 account in the dropdown menu when choosing which account to view. Tax information for all sub-accounts under the same member number (Savings, Share Certificates, Money Markets, etc.) is grouped into a single tax statement. If you have multiple account numbers, each account number will have its own tax statement.
Tax reporting and withholding information
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When will I receive my 1099 form?
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Amplify is required to mail forms (1099-B, 1099-DIV, 1099-INT, 1099-OID, and 1099-MISC) by January 31st. If this date falls on a Saturday, Sunday, or legal holiday, Amplify can mail the forms by the next business day (Monday through Friday).
What is reported on tax forms?
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1099-DIV
- Distributions, such as ordinary dividends, qualified dividends, capital gain distributions, or nontaxable distributions that were paid on stocks, and liquidation distributions.
- Only amounts of $10 or more for distributions paid on stock, or $600 or more for liquidations are required to be reported on the forms.
- If there was any withholding on distributions normally reported on the 1099-DIV, it needs to be reported regardless of the amount.
1099-INT
- All interest income that is not already reported on other forms should be reported
- You should report $10 of interest earned or at least $600 of interest paid in the normal course of a trade or business for some instances.
1098
- Reports the amount of interest paid on Home Equity Loans and Home Equity Lines of Credit.
1099-OID
- Original issue discount is reported
- OID is the excess of an obligation’s stated redemption price at maturity over its issue price
- $10 or more should be reported
1099-MISC
- Report at least $10 or more for royalties or broker payments in lieu of dividends or tax-exempt interest, or $600 or more in rents, services, prizes and awards, cash paid from a notional principal contract to an individual, partnership, or estate, gross proceeds paid to an attorney, and other income payments.
IRA and CESA
Amplify is required by law to report contribution and distribution activity for Individual Retirement Accounts (IRA) and Coverdell Education Savings Accounts (CESA).
- Fair Market Value Statement: Reflects account balance as of Dec. 31, 2008. We give this to members on their December statement.
- 1099-R: Reports distributions from an IRA.
- 1099-Q: Reports distributions from a CESA
- 5498: Reports contributions to an IRA. Since prior year contributions can be made through April 15th, forms will be mailed by June 1st.
What if there is an error on my tax form?
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Contact Amplify at 512-836-5901 (or toll-free at 800-237-5087) so we can generate a new form with the correct information.
About Amplify
Membership Eligibility
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Anyone who lives, works, or goes to school in Travis, Hays, Caldwell, Williamson, or Bastrop counties is eligible for membership at Amplify. Once you're a member, your entire family is eligible to join, no matter where they are. Once you're part of our member family, you're always a member, even if you move, change jobs, or graduate. Family is for life!
Amplify Locations & Branch Information
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Branch Locations
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Amplify has eight locations in the Austin, Round Rock, and Cedar Park area. New members can establish their membership online or at a branch. Branches with a * have a drive-through:
Brockton Branch*
2608 Brockton Dr.
Austin, TX 78758
(corner of Burnet Rd. and Brockton Dr.)
Pond Springs Branch*
13050 Pond Springs Rd.
Austin, TX 78729
(corner of Pond Springs Rd. and Hunter’s Chase)
Cedar Park Branch*
202 Walton Way, ste. 200
Cedar Park, TX 78613
(corner of Walton Way and FM 1431)
Parmer Branch
3600 W. Parmer Ln.
Austin, TX 78727
(on Parmer Ln. just west of Mopac)
Congress Branch (Downtown)
607 Congress Ave.
Austin, TX 78701
(corner of 6th St. and Congress Ave.)
La Frontera Branch
115 Sundance Pkwy, ste. 500
Round Rock, TX 78681
(southeast corner of La Frontera shopping complex, next to Mongolian Grille)
University Commons Branch
210 University Blvd. Suite 160
Round Rock, TX 78664
(two doors down from HEB)
Ben White Branch
(Transactional Branch)
133 E. Ben White Blvd
Austin, TX 78704
(inside the Capitol Credit Union building)
Branch Hours
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Lobby hours at all locations (except Ben White), except holidays, are:
Mon- Fri, 9:00am – 6:00pm
(University Commons branch open until 7:00pm, Mon-Fri)
Sat, 9:00am – 2:00pm
Sun, closed
Drive-Through Locations & Hours
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Our Brockton, Pond Springs, and Cedar Park locations have drive-throughs.
Drive-through hours are:
Mon- Fri, 7:30am – 6:00pm
Sat, 8:00am – 2:00pm
Sun, closed
Our Ben White transactional branch drive-through has the following hours:
Mon- Fri, 7:30am – 6:00pm
Sat, 9:00am – 1:00pm
Sun, closed
Amplify Phone Numbers
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Our main number here in Austin is 512-836-5901. You can also call us toll-free at 1-800-237-5087. Use either of these numbers to speak with an Amplify representative during regular business hours or to access Bank-By-Phone.
More phone numbers can be found here.
Mailing Address
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P.O. Box 85300
Austin, TX 78708
Routing Number
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314977227
Also known as the “routing and transit” or “ABA” number.
Accounts & Deposits
Current Deposit Rates
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Checking Accounts
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Minimum Balances
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There is no monthly charge for the Amplify Free Checking account.
The $5.00 monthly fee on the Checking Plus account can be waived by consistently maintaining a minimum daily balance of $500.
Ordering Checks
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If you've ordered checks with us in the past, your previous check order information will already be in the system. Use the "check reorder" function in Online Banking and you won't have to retype your information — just tell the system the starting check number and how many boxes you'd like to order.
If you do not have Online Banking access, you may also visit the basic order page at our check vendor's website.
If you have not ordered checks from us in the past, please contact us so we may process your first check order.
Check Copies
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Get a free check copy by using the online check retrieval function of Online Banking. Just sign on to Online Banking as usual and view the history for your checking account. Click the magnifying glass icon to the left of the entry for the cleared check that you would like a copy of. Once the check image is on the screen you can zoom in or out and print a copy if you wish.
To search for a check, sign in to Online Banking, view your checking account history, and click the "search" button. You will be presented with a search criteria window. Choose your search options then press the "submit" button to the right. Once the check image is on the screen you can zoom in or out, and print a copy if you wish.
You may also contact Amplify to order your check copy, but there is a fee for this service.
Direct Deposit Information
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To have your paycheck electronically deposited to your account at Amplify Federal Credit Union, you'll need to give your employer the following:
- Your account number in an 8-digit format. If your account number is less than 8 digits, add enough zeros to the beginning of your account number to make it 8 digits. For example. If your account number is 1234567, you'd add a single zero to the beginning. So, for direct deposit purposes, you'd give your account number as 01234567.
- Our Routing & Transit (or ABA) number, which is 314977227.
Electronic Transfers/ ACHs
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To have a payment electronically debited from your account at Amplify Federal Credit Union, you'll need to supply the merchant with the following:
- Your account number in an 8-digit format. If your account number is less than 8 digits, add enough zeros to the beginning of your account number to make it 8 digits. For example. If your account number is 1234567, you'd add a single zero to the beginning. So, for direct deposit purposes, you'd give your account number as 01234567.
- Our Routing & Transit (or ABA) number, which is 314977227.
Money Market Accounts & Regulation D
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Reg D: What is it?
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Federal Regulation D places a monthly limit on the number of transactions you can perform on your Money Market Accounts (MMAs) without your physical presence being required. Transfers affected by this regulation therefore include:
- Checks written off the account
- Transfers made using Online Banking
- Transfers made using Telephone Banking
- Overdraft transfers (made automatically to cover insufficient funds in other accounts)
- Transfers made by an Amplify Representative on your behalf
- Pre-authorized, automatic, scheduled or recurring transfers
You are allowed six such transfers per month, per money market account.
Reg D: What transactions does it affect?
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Transactions NOT affected by Regulation D (aka 'in-person transactions'):
- ATM transactions
- Transfers made to Amplify loans
- Transactions done in person at a branch (including shared branches)
- Transactions sent in by mail, or Night Drop with an original signature
- Amplify Bill Pay (which uses funds from your checking or savings account)
Transactions that ARE affected by Regulation D (aka 'transactions not conducted in-person'):
- Transfers made using Online Banking
- Transfers made using Telephone Banking
- Overdraft transfers (made automatically to cover insufficient funds in other accounts)
- Transfers made by an Amplify Representative on your behalf
- Pre-authorized, automatic, scheduled or recurring transfers
Reg D: What to do when transaction limit is reached
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You may still conduct “in-person” transactions that are not affected by Regulation D, such as branch transactions and ATM transactions. See previous section for more information on which transactions are allowable.
Reg D: Do automatic (electronic) monthly withdrawals count against my monthly transaction limit?
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Yes. These payments (which you might know as "ACH" or "EFT" transactions) follow Regulation D limitations. Any withdrawals attempted beyond your monthly limit will not be honored, and you will receive a notice by mail and incur an Insufficient Funds charge. To avoid this situation, make automatic payments using something other than a MMA, such as a checking or savings account. Contact the merchant to arrange this change, and be aware that your request could take more than a month to go into effect. Alternatively, consider using Amplify Bill Pay to automatically send payments to the merchant, rather than authorizing the merchant to automatically withdraw payments.
Loans
Current Loan Rates
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View our current loan rates here.
Online Loan Application
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You can apply for a loan online 24 hours a day, 7 days a week.
If you’re an Amplify member, sign in to Online Banking and then click “Apply for Loan” at the top of the website.
Not a member yet? That’s OK! You can use our Online Loan Application without signing in.
You may also call us to set up an appointment with an Account Management Professional (AMP) or to speak to an AMP who will take your loan request by phone. We are here to serve you!