Access Your Account Anytime, Anyplace with BankIT Account Access
With our BankIT^SM Home Banking Service, you can get the balance of any of your listed accounts (checking, savings, money market accounts and many more) on a simple consolidated account list. Your balance information is delivered with up-to-the-minute accuracy. In addition, you can check other important information, like your next payment date on your loans and dividend information on investments. And every account can display current transaction history at the touch of a finger, so you can keep your checkbook register up-to-date and your statement balanced.

Welcome to PayIT® - the faster way to pay bills
PayIT is a new bill payment service offering an alternative to the traditional method of paying bills. Instead of writing the check and mailing the payment, you can handle all your payments automatically through PayIT. You can schedule payments to be made on certain dates. In addition, PayIT gives you a confirmation number for every payment and keeps track of your last 18 months' payment history. You no longer have to keep track of payments made - PayIT does it for you.

How to Set Up Your Personal Merchant List
To pay a bill with PayIT, you must add the merchants you want to pay to your personal merchants list along with their associated account number. You can request any merchant to be paid. Once set up and active, you can make payments right away. PayIT does not make the following payments:

•	Tax Payments
•	Payments for other government obligations such as court directed payments

How PayIT Processes Payments
PayIT begins processing all payments scheduled for each business day at 2 p.m., ET. If you need to schedule, change or delete a payment for that day, you must do so before 2 p.m., ET. Payments scheduled for non-business dates are processed on the next business day. Automatic payments that fall on a non-business day may be processed on the business day preceding the payment date.

How PayIT Manages Insufficient Fund
If you do not have enough money in your account to cover your payment, the payment is failed and you receive a "failed payment" message when you access the MailIT^SM system. The MailIT messaging service is an added benefit. You get an individual message mailbox in which to send private messages to our Member Service department and receive a reply.

To Use Internet Service......

1. Log onto our website at www.earthmovercu.com
2. Click on the Home Banking and Bill Payment, then from teh drop down box choose Home Banking and Bill Pay.
3. Enter your User ID and Security Code on the logon screen. Your User ID is the Primary Member's Socail Secuirty number or the Logon ID indicated on the enrollment application. You will receive your 4-digit Security Code via email notification once we set your accounts up for Home Banking. Note: you will be asked to change your Security Code to a private one the first time you log into the service.
4. Once logged into the service, you will be presented with a menu of services. Depending on your enrollment, functions may include:

Checklist of Important Points about Your Home Banking & Bill Pay Account