SAFE Audio


SAFE Audio allows you access to your JMAFCU account information from a touch-tone telephone with a Personal Identification Number (PIN). A PIN is your "signature", your authorization to complete the inquiry. SAFE Audio is available to access your JMAFCU accounts 7 days a week, almost 24 hours a day.

Safe and Secure. Accessing your account through SAFE Audio is controlled by your PIN. Your PIN is a four digit security code that only you know and no one else can get information or transact business on your account without it. Once a PIN is issued to a member, only you may change it. You have the option to change your PIN any time you call in and access SAFE Audio.

Here's What SAFE Audio Can Do For You:

Account Inquiries

Shares: Current and available balances.

Certificates: Current balance, dividend rates and maturity dates.

Loans: Current balances, available balances, interest per diem, loan payoff, next payment amount and next due date.

Statement Information: For last few transactions on a sub account, to see if a specific check cleared, last few transactions, dividends and interest paid.

Transactions: SAFE Audio allows you to transfer funds between share accounts or to transfer from share accounts to your loan accounts.

Member Liability For Use By An Unauthorized Person: If you believe your PIN has been stolen or used by an unauthorized person, you must report this to us at once. You may also want to change your PIN immediately by directly calling SAFE Audio. Telephoning is the most efficient way to keep lose sat a minimum. If you notify us within two business days from the time someone uses your account without permission, you can lose no more than $50. If you do not notify us within two business days after you learn of the theft of your PIN, and we prove that we could have stopped someone from using your PIN without your permission if you had notified us, you could lose up to $500.

SAFE Audio Disclosure: This disclosure is pursuant to the Federal Electronic Funds Transfer Regulation. The use of your SAFE Audio PIN is subject to the stated regulations covering the rights and liabilities of the user and JM Associates Federal Credit Union.

Credit Union Liability: We are liable for any losses or damages you may incur if we do not properly complete a transfer to or from your account according to our agreement with you, with these exceptions: We are NOT liable if, through no fault of the credit union, your account does not contain enough money to make the transfer; or if SAFE Audio was not working properly and you were aware of this when you began the transaction.