SAIF Federal Credit Union

10190 Celtic Drive
Baton Rouge, LA 70809

Share Savings Accounts
Share Draft  Accounts

Christmas Club Accounts

Certificate of Deposits

Schedule of Fees


Privacy Pledge

Identity Theft

Directors and Staff

Terms & Conditions
Home Banking
Privacy Statement
Fake Check Scams

SAIF Federal Credit Union is now a member of the Credit Union Service Center.
You are now able to conduct your credit union transactions at a location near you. 
Call the credit union for more information.



Internet Banking Disclosures

PERSONAL IDENTIFICATION NUMBER (P.I.N.). This is your “remote banking signature.” You are responsible for maintaining its confidentiality. The P.I.N. should be memorized and not written, in order to prevent unauthorized use, and so you may report its loss or theft accurately.

JOINT ACCOUNTS. You may transfer funds to the account(s) of a family member on which you are a joint owner; however, if you do so, you agree to provide a copy of the Agreement to each owner of the account(s). The CU internet personal identification number is issued only to the first member named on a savings account and offers access to other accounts owned by that member. You should not disclose your P.I.N. to any joint owner of your savings account. If you do, the joint owner will have access to all your accounts at SAIF FCU owned by you, either individually or jointly. If you give access to your joint owner who does not have a primary account of their own with SAIF FCU, we are not liable for any unauthorized transactions. The joint owner must have a savings account with SAIF FCU in order to have a separate PIN to access the primary owner’s account. This will give the joint owner access to their account and yours.

CONSUMER LIABILITY FOR UNAUTHORIZED CU INTERNET TRANSACTIONS. Tell us at once if you believe your card, or P.I.N. or other information which could provide electronic access to your account has been LOST or STOLEN. Telephoning is the best way of keeping your possible losses down. If you tell us within two business days, you can lose no more than FIFTY DOLLARS ($50.00) if someone uses your card, P.I.N. or other information without your permission.

If you do not tell us within two business days after you learn of the loss or theft of your card or P.I.N. or other information, and we can prove that we could have stopped someone from using your card, P.I.N. or other information without your permission if you had told us, you could lose as much as FIVE HUNDRED DOLLARS ($500.00).

If your statement shows transfers you did not make or authorize, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost if we can prove that we could have stopped someone from taking the money if you told us in time. We are liable only for losses in excess of the limits stated.

NOTIFICATION PROCEDURE. If you believe that your P.I.N. has been LOST or STOLEN, or that someone has

transferred or may transfer money from your account without permission, call us at the number shown at the beginning of this Agreement, or write us at the address given:

P.O. BOX 77959                                                   
Phone: (225) 292-5490                              
Toll Free  (800) 495-7203

BUSINESS HOURS. BATON ROUGE Lobby: Monday – Friday 8 – 4:30 Drive-In: 8:00 – 4:30

TYPES OF TRANSACTIONS AVAILABLE. You may use your P.I.N. with the Internet service to obtain account information related to any of your savings and loan accounts regarding current balances and account history; savings dividend rates; YTD and prior year dividends earned and interest paid on each account, and Certificate Maturity date(s). You may also make transfers to other savings or checking accounts of yours or such accounts you have authorized in writing prior to such transfer request; withdraw funds from savings and checking by check made payable to you and mailed to you at your mailing address; make loan payments from any savings or checking account to any loan account; and apply for a loan or line of credit.

TRANSFERS. You may make transfers to your accounts or other accounts you authorize as often as you like except for those accounts with transfer limitations as disclosed on the rate and fee schedule you received when you opened the account and any amendments to that schedule. You may transfer up to the balance in your account at the time of the transfer, except as limited under other agreements. We reserve the right to refuse any transaction that would draw upon insufficient funds or lower an account below a required balance. Internet transactions may be made at anytime, seven (7) days a week, unless the service is unavailable due to computer backup procedures or maintenance.

CONDITIONS UNDER WHICH WE WILL DISCLOSE INFORMATION TO A THIRD PARTY. You agree that we may, and you hereby authorize us to, disclose information to third parties about your account(s) or the transfers you make (1) where it is necessary for completing transfers; (2) in order to verify the existence and condition of your accounts for a third party, such as a credit bureau or merchant; (3) in order to comply with government agency or court orders; (4) where permitted under applicable law; or (5) if you give us your permission.

DOCUMENTATION AND VERIFICATION OF TRANSFER. Transfers and withdrawals transacted through Online Banking will be recorded on your periodic statement. You will receive a monthly statement of your account activity unless no electronic transfers were made to or from your account(s) during the month, in which case you will receive a statement at least quarterly.

ERROR RESOLUTION. Telephone or write us at the number and address shown on the back panel of this Agreement as soon as possible if you think your statement or receipt is wrong, or if you need more information about a transaction listed on the statement or receipt. We must hear from you no later than sixty (60) days after we send you the FIRST statement on which the problem or error appeared. Provide the following information:
1. Your name and account number.
2. Describe the error or the transfer you are unsure about, and a clear explanation of why you believe it is an error, or why you need more information.
3. The dollar amount of the suspected error.

If you tell us orally, we may require that you send your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. For new accounts, Point-of-Sale, or international transactions, we may take up to ninety (90) days to investigate your complaint or question.

If we decide to do this, we will re-credit your account within ten (10) business for the amount you think is in error, so you will have the use of the money during the time it takes to complete our investigation. For new accounts, we may take up to twenty (20) days to credit your account for the amount you think is in error. If we ask you to put your complaint or question in writing and do not receive it within ten (10) business days, we may not re-credit your account.

If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

CANCELLATION. We may cancel your Internet privileges at any time without notice or cause. We may cancel your Internet privileges without notice if your Internet service has been inactive for 6 months. You may cancel this Agreement at any time by providing us with written notice that you wish to cancel. Cancellation will be effective as of the date we receive the notice. Any cancellation or termination will not affect any of your existing liability to us.

LIABILITY. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

•  If, through no fault of ours, you do not have enough money in your account to make the transfer. •  If the Internet System was not working properly and you knew it was not working properly when you started the transfer.
•  If circumstances beyond our control, (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
§   If we have reason to believe that transactions involving your account(s) may be unauthorized, fraudulent, illegal, or otherwise improper.
If you used the wrong PIN or you have not properly followed any applicable computer, Internet Access, or Credit Union user instructions for making a transfer.
If the error was caused by a system beyond the Credit Union's control, such as your Internet Service Provider.
§   If the funds in your account are subject to an administrative hold, legal process or other claim.
If there are other exceptions as established by the Credit Union from time to time.
If you give your PIN to a joint owner who does not have a primary account with SAIF FCU and they make unauthorized transactions on your account.
If you give your PIN to anyone unauthorized to use the account and they make unauthorized transactions.

ACCOUNT INFORMATION. The account balance and transaction history information may be limited to recent account information involving your accounts. Also, the availability of funds for transfer or withdrawal may be limited due to the processing time for ATM transactions and our Funds Availability Policy.

E-MAIL. The Credit Union may not immediately receive E-mail communications that you send and the Credit Union will not take action based on E-mail requests until the Credit Union actually receives your message and has a reasonable opportunity to act. E-Mail addresses are: and If you need to contact the Credit Union immediately regarding an unauthorized transaction or stop payment request, you may call the Credit Union at the telephone number set forth in the Liability for Unauthorized Access section. These email transactions are secure, however unless asked, we advise you not to provide sensitive personal information uch as account and social security numbers

FEES AND CHARGES. There are no fees for online banking but will be fees for Online Bill Paying.

TERMINATION OF INTERNET BANKING SERVICES. You agree that we may terminate this Agreement and your use of the Online Home Banking services if you or any authorized user of your account or PIN breach this or any other agreement with us; or if we have reason to believe that there has been an unauthorized use of your account or PIN.

You or any other party to your account can terminate this Agreement by notifying us in writing. Termination of service will be effective the first business day following receipt of your written notice. However, termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.

MODIFICATION. This Agreement may be amended by us without prior notice to you when such an amendment is immediately necessary to maintain or restore the security of the system or a member’s account(s). We will notify you in writing thirty (30) days or as otherwise required by law prior to the effective date of any other change in any term or condition of this Agreement.

Federal Regulation D Overview

If you utilize Internet Home Banking to transfer funds electronically, you need to know about this regulation to properly manage your monthly transactions. This Regulation does not affect the Bill Payer with respect to his Checking accounts.

Federal Regulation D establishes the monetary reserve amount that financial institutions are required to maintain at the Federal Reserve Bank. Regulation D stipulates that financial institutions must limit the number of transfers and/or withdrawals an individual is allowed to make from any savings account to another account or as payment to a third party by means of pre-authorized, automatic or telephonic agreement, order or instruction. The amount to be held is determined by the amount and mix of its deposits. Deposits are categorized under two general account types, transaction account and non-transaction account:



LIMITED Electronic Withdrawals for Non-Transaction Accounts:


  • Automatic transfers to other accounts (STS)
  • Preauthorized payments to a third party (ACH withdrawals)
  • Online banking transfers
  • Overdraft transfers
  • Point of Service (POS) transactions

UNLIMITED Electronic Withdrawals for Non-Transaction Accounts:


  • Withdrawals done in person at our office location
  • Transfers done in person at one of our office locations
  • Cash withdrawals at an automated teller machine (ATM)
  • Transfer requests made at an ATM
  • Automatic loan payments made on a SAIF FCU loan
  • Withdrawals requested by mail
  • Bill Payer Service
  • Checking withdrawals/payments by check or MasterCard Check Card

Any transfer requests (including overdraft transfers) that are received after you have exceeded your limit of six will be rejected. In addition, any ACH debits that are received after the limit has been exceeded will be returned for insufficient funds.


To avoid exceeding Regulation D limits on non-transaction accounts:

  • Make recurring electronic payments from your checking account instead of your savings;
  • Keep sufficient balances in your checking account to avoid overdrafts;
  • Use a line of credit for overdraft protection instead of a savings account;
  • Perform transfers (including wire transfers) at an ATM or in person at our office locations

Use direct deposit/payroll deduction, if available to you, and have your monies deposited to your checking account. You can transfer funds as often as you like from a checking account. 


Home Banking Application Instructions
1. Complete and sign above application
2. Initial receipt of above disclosure
3. Make sure all joint signers also sign application
4. Fax, e-mail, or drop-off the application at the branch
5. Applications faxed or dropped off after hours could take 24 hours before activated
6.We will require at least 2 valid forms of Identification (Driver's License, Social Security Card, etc.)

Home Banking Instructions

You can access Home Banking at our website

1. Click on “”
2. Enter the primary account number.
3. Enter your password.
4. Click on the submit button. You are now ready to access your accounts.
5. For your protection, please change your password immediately.

With Home Banking you can:

•  Get current account balances
•  View account histories
Transfer between savings, checking, and loan accounts
Apply for a loan
•  Request a check (withdrawal)
Obtain Tax Information
Obtain Direct Deposit information

Transactions involving your deposit accounts, including checking account stop payment requests, will be subject to the terms of your account agreement and transactions involving a line of credit account will be subject to your loan agreement and disclosures, as applicable


2018 Holidays

SAIF Federal Credit Union will be closed on the following holidays:

Monday, Jan. 1 New Year's Day

Monday, Jan. 15 MLK Day

Tuesday, Feb. 13 Mardi Gras

Friday, March 30 Good Friday

Monday, May 28 Memorial Day

Wednesday, July 4 Independence Day

Monday, Sept. 3 Labor Day

Monday, Oct. 8 Columbus Day

Thursday, Nov. 22 Thanksgiving

Friday, Nov. 23 Thanksgiving

Monday, Dec. 24 Christmas Eve

Tuesday, Dec. 25 Christmas


Contact Us  :

Phone:(225) 292-5490



(225) 292-7869