This disclosure is pursuant to the Federal Electronic Funds Transfer Regulation. The use of your PAL access code/PIN is subject to the stated regulations covering the rights and liabilities of the user and Fort Financial Credit Union.

Telephone Banking

Q: Member Liability for Unauthorized Persons

If you believe your telephone banking access code/PIN has been stolen or used by an unauthorized person, you must report this to us as soon as possible. If you notify us within two business days and during that time someone uses your account without your permission, you can lose no more than $50. You will want to change your PIN immediately by directly calling PAL and setting a new PIN. If you do not notify us within two business days after you learn of the theft of your access code/PIN and we can 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. If your account statement shows transfers that you did not make, notify us at once. If you do not notify us within 60 days after the statement was mailed, you may not get the money you lost if we can prove that had we been notified, we could have stopped someone from using your PIN to take your money illegally.

Q: 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 a transfer; or if PAL was not working properly and you were aware of this when you began the transaction.

We are currently experiencing issues with our Phone Answer Line (PAL) and have disabled the service until further notice. If you need to access your account, please utilize digital banking, visit a branch or call us at 260.432.1561. This banner will be removed when the PAL line is back up and running. We apologize for the inconvenience.

Posted at 4 pm ET on September 29, 2025

Telephone banking is a convenient option to manage your accounts. Our Phone Answer Line (PAL) lets you check your current and available balances, hear dividends paid, verify paid and outstanding checks, hear ATM transactions and gives you access to your account history. When you call in to PAL, you can also transfer funds, draw from your line of credit and make cross member transfers all from your phone!

How to Access Telephone Banking

Call 260.432.1561 or 800.837.3262. (Please note: you must use a touch tone phone.)
Once the automated teller answers, press the number 2 to get into the PAL system.
Enter your member number.
Next, enter or set your six-digit access code/PIN. (Please note: you will be asked to verify yourself with your Social Security number and date of birth to set or change your access code.)
Once your account has been accessed, follow the menu options to select the account you want to access and the type of transaction you would like to perform. Be sure to follow the instructions given by the automated teller for each step.

Basic Menu Options

Checking accounts (enter 1)
Savings accounts (enter 2)
Loans (enter 3)
More options (enter 4)
Speak to a customer service representative (enter 0)
Main menu (enter 9)

Account Numbers

Regular Savings (0001)
Checking (0002)
Money Market (ex. CIA) (0003)
Special Savings 00(10)
Christmas Club (0011)
Regular Loans (0121)
Line of Credit (0141)
Certificate and Share Secured Loans (0143)
Mortgages (0171)

Check your monthly statement for the correct account numbers for your account(s).

Member Liability for Unauthorized Persons

PAL Disclosure

Credit Union Liability