Statements 20231231 EST

STATEMENT
AmFirst Federal Credit Union ·1-800-633-8431 · amfirst.org

P.O. Box 11349, Birmingham, AL 35202
50490138 0000 Statement Date: December 31, 2023

#BWNCHFQ
#17589200000# Account Number: 17589200000
DIEGO VELASCO
3984 S SOUTHBOURNE WAY
WEST VALLEY CITY UT 84119 - 4828
Page Number 1 of 5
fyi for your information

Effective January 10, 2024, the AmFirst Membership & Account Agreement will be updated to reflect new information
about the terms of your accounts related to the elimination of fees charged on items returned unpaid. Refer to the updated
Rate & Fee Schedule for details. Our Privacy Policy has not changed and may be reviewed at amfirst.org/privacy.
Visit amfirst.org to review the documents online or contact us for printed copies.
A Summary of Your Accounts A Summary of Your Loans

Ending 2022 Dividends Ending Total Next 2022
Balance Balance Amount Due Payment Interest
Share Savings 2,210.67 1.07 Visa Classic 1,579.15 40.00 01/28/2023 1.72
Checking 397.12 2.03 Line of Credit 177.67 25.00 02/28/2023 0.67
Total: 2,607.79 3.10 Total: 1,756.82 65.00 2.39
Share Savings
Statement Period: December 02, 2023 - December 31, 2023
Post Effective Transaction Account

Date
____ _________
Date Transaction Description
__________________________________________________________ __________
Amount ___________
Balance
BEGINNING BALANCE 2,210.58
12/31 01/01 DIVIDEND EARNED FOR PERIOD OF 12/01/2023 THROUGH 12/31/2023
ANNUAL PERCENTAGE YIELD EARNED IS 0.05% .09 2,210.67
ENDING BALANCE 2,210.67
Checking
Post Effective Check Transaction Account

Date
____ _________
___________________________________________________ Number
______ ___________
Amount ___________
Balance
BEGINNING BALANCE 37.96
12/09 TRANSFER FROM LINE OF CREDIT 23.00 60.96
12/09 AUTOMATIC WITHDRAWAL, MASS MUTUAL INS. PREMIUM WEB (S) 60.12- .84
12/09 AUTOMATIC WITHDRAWAL, MASS MUTUAL INS. PREMIUM WEB (S) 123.98- .86
12/10 12/09 TRANSFER FROM LINE OF CREDIT 20.00 20.86
12/10 12/09 VISA - 12/08 MCW #511-TAYLORSVILLE 866-2543229 UT 008923 19.99- .87
12/16 AUTOMATIC WITHDRAWAL, DISCOVER E-PAYMENT WEB (S) 300.00- 266.13-
12/16 OVERDRAWN EFT FEE, $300.00 ON 12/16/23 FOR DISCOVER E-P 25.00- 291.13-
12/17 MOBILE BANKING FUNDS TRANSFER FROM SHARE ACCOUNT: 500.00 208.87
XXXXXX724-1.9 WEST FLOVV LOGISTICS LLC
12/20 DEPOSIT 286.00 494.87
12/23 12/22 VISA - 12/22 LONESTAR TRACKING HTTPSWWW.LONE TX 021796 74.75- 420.12
amfirst.org FH Federally insured by NCUA. Equal Opportunity Lender.

STATEMENT
DIEGO VELASCO Account Number -17589200000 December 31, 2023 Page - 2 of 5
Checking, Continued
Post Effective Check Transaction Account

Date
____ _________
___________________________________________________ Number
______ ___________
Amount ___________
Balance
12/30 AUTOMATED LOAN PAYMENT(S) TRANSFER 23.00- 397.12
ENDING BALANCE 397.12
Checking Summary
Item
____ Amount
______ Item
____ Amount
______ ____
Item ______
Amount ____
Item ______
Amount
VISA 19.99 : VISA 74.75
Total Checks and Visa Checking: 94.74 Total Withdrawals: 532.10 Total Deposits: 986.00
Overdraft and Returned Item Fees

TOTAL FOR TOTAL
THIS PERIOD YEAR-TO-DATE
TOTAL OVERDRAFT FEES ..................................................... 25.00 25.00

TOTAL RETURNED ITEM FEES ................................................. 0.00 0.00
Visa Classic
BEGINNING OTHER CASH OTHER TOTAL INTEREST ENDING

BALANCE - PAYMENTS - CREDITS + PURCHASES + ADVANCES + DEBITS + CHARGE = BALANCE
637.38 7,685.02 276.84 8,900.99 .00 2.64 .00 1,579.15
PAYMENT SCHEDULED PAST DUE TOTAL CREDIT DAILY VARIABLE ANNUAL

DUE DATE PAYMENT AMOUNT AMOUNT DUE LIMIT PERIODIC RATE PERCENTAGE RATE
01/28/2024 40.00 .00 40.00 2,000.00 .03699% 13.500%
Late Payment Warning: If we do not receive your minimum payment by the due date listed above, you may have to pay
up to $35.00.
Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
If you make no additional You will pay off the balance And you will end up
charges using this card shown on this statement paying an estimated
and each month you pay... in about... total of...
Only the minimum

payment 7 years 2,331.46
53.55 3 years 1,927.25

(Savings=$404.21)
Pay the ending balance on or before the Due Date to avoid future interest charges.
If you would like information about credit counseling services, call 1-888-733-9407.
Effective Purchase Transaction Loan

_________
Date ________
Date Transaction
_______________________________________________________
Description ___________
Amount __________
Balance
BEGINNING BALANCE 637.38
12/01 11/30 PTG OF SALT LAKE CITY 800-574-2707 UT 030388 165.00 802.38
FH
12/04 12/01 SYSCO CORPORATION CTYOFINDUSTRY CA 001346 140.00 942.38
amfirst.org Federally insured by NCUA. Equal Opportunity Lender.

STATEMENT
DIEGO VELASCO Account Number - 17589200000 December 31, 2023 Page - 3 of 5
Visa Classic, Continued

Statement
Period: December 02, 2023 - December 31, 2023
Effective Purchase Transaction Loan
_________
Date ________
Date Transaction
_______________________________________________________
Description ___________
Amount __________
Balance
12/04 12/02 SYSCO CORPORATION CTYOFINDUSTRY CA 002293 140.00 1,082.38
12/05 DISABILITY INSURANCE PREMIUM 1.98 1,084.36
12/05 LIFE INSURANCE PREMIUM 0.66 1,085.02
12/05 MOBILE BANKING PAYMENT FROM SHARE ACCOUNT: 1,085.00- .02
12/06 12/05 SAMPERIO TURBO REBUILD FONTANA CA 005645 538.00 538.02
12/08 MOBILE BANKING PAYMENT FROM SHARE ACCOUNT: 538.00- .02
12/07 12/06 MTW OF SALT LAKE SALT LAKE CTY UT 006308 79.66 79.68
12/08 12/06 GREAT DANE UTAH PARTS 801-433-5425 UT 006124 599.23 1,257.52
12/09 12/08 PTG OF SALT LAKE CITY 800-574-2707 UT 008790 70.68 1,328.20
12/11 12/10 WAL-MART #4706 MAGNA UT 010480 92.83 1,561.03
12/12 MOBILE BANKING PAYMENT FROM SHARE ACCOUNT: 1,700.00- 1.03
12/12 12/10 SABOR LATINO LLC SALT LAKE CIT UT 010370 26.02 27.05
12/14 12/13 FUBOTV INC 844-4413826 NY 013195 24.99 385.27
12/14 12/13 TW SERVICES INC FULLERTON CA 013665 277.00 662.27
12/15 12/14 HCTRA EZ TAG ONLINE 281-8753279 TX 014608 31.00 693.27
12/15 12/14 HCTRA EZ TAG ONLINE 281-8753279 TX 014013 181.07 1,200.81
12/16 PURCHASE ADJUSTMENT - PTG OF SALT LAKE CITY SALT LAKE CIT UT 22.85- 1,264.93
12/16 PURCHASE ADJUSTMENT - PTG OF SALT LAKE CITY SALT LAKE CIT UT 97.08- 1,167.85
12/17 MOBILE BANKING PAYMENT FROM SHARE ACCOUNT: 1,167.00- .85
12/18 12/17 DENTAL SELECT 801-495-3000 UT 016836 82.62 83.47
12/18 12/17 CATALYST FORWARD TUSTIN CA 017517 97.00 180.47
12/18 12/17 TW SERVICES INC 714-4412400 CA 016592 165.00 345.47
12/22 12/20 FREEDOM TRUCK & TRAILE 801-9618332 UT 020358 151.85 497.15
12/22 PURCHASE ADJUSTMENT - PTG OF SALT LAKE CITY SALT LAKE CIT UT 156.91- 708.54
12/25 12/24 MEPCO*ENDURANCE 866-4324443 IL 024397 121.31 121.85
12/28 MOBILE BANKING PAYMENT FROM SHARE ACCOUNT: 1,500.00- 1,238.15-
12/29 12/27 FREEDOM TRUCK & TRAILE 801-9618332 UT 027931 1,001.65 236.50-
12/29 12/28 PTG OF SALT LAKE CITY 800-574-2707 UT 028211 1,327.65 1,091.15
12/30 12/29 CAPSTONE PAY PEACHTREE COR GA 029937 118.00 1,209.15
12/31 **INTEREST CHARGE** 0.00 1,579.15
ENDING BALANCE 1,579.15

STATEMENT
Visa Classic, Continued

Fees
Effective Purchase Fee

_________
Date ________
Date Transaction
________________________________________________________
Description __________
Amount
12/05 DISABILITY INSURANCE PREMIUM 1.98
12/05 LIFE INSURANCE PREMIUM .66
TOTAL FEES FOR THIS PERIOD 2.64
Year-to-Date Fee and Interest Totals
*Total fees charged in 2023 28.87

Total interest charged in 2023 1.72
*May not reflect fee reversals or waivers.
Average Daily Balance: We figure the interest charge on your account by applying the periodic rate to the
"average daily balance" of your account. To get the "average daily balance" we take the beginning balance of your
account each day, add any new purchases, and subtract any payments or credits. This gives us the "daily balance".
Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the
billing cycle. This gives us the "average daily balance".
Line of Credit
PAYMENT SCHEDULED PAST DUE TOTAL CREDIT DAILY VARIABLE ANNUAL

DUE DATE PAYMENT AMOUNT AMOUNT DUE LIMIT PERIODIC RATE PERCENTAGE RATE
02/28/2024 25.00 .00 25.00 200.00 .01671% 6.100%
Daily Balance: We figure the interest charge on your account by applying the periodic rate to the "daily balance" of
your account for each day in the billing cycle. To get the "daily balance" we take the beginning balance of your
account each day, add any advances, fees, or charges and subtract any payments or credits. This gives us the daily
balance.
Post Effective Transaction Interest Loan

Date
____ _________
___________________________________ ___________
Amount __________
Charge __________
Principal ___________
Balance
BEGINNING BALANCE .00
12/09 TRANSFER TO CHECKING 23.00 23.00 23.00
12/10 12/09 TRANSFER TO CHECKING 20.00 20.00 167.00
12/30 PAYMENT 23.00- .67 22.33- 177.67
ENDING BALANCE 177.67

STATEMENT
Line of Credit, Continued

Interest Charged
Post Effective Interest

Date
____ _________
___________________________________ __________
Amount
12/30 PAYMENT .67
TOTAL INTEREST FOR THIS PERIOD 0.67
Year-to-Date Fee and Interest Totals
*Total fees charged in 2023 0.00

Total interest charged in 2023 0.67
*May not reflect fee reversals or waivers.
fyi for your information
Make a fresh financial start in 2024 by bringing your high-rate credit card balances to AmFirst.
Because we're delivering up to 3.00% cash bonuses on transfers! And you'll likely save and gain
convenience with lower rates, better benefits & much more. Eligibility, terms, creditworthiness &
conditions apply. Ask us for details.
Annual Notification: Pursuant to the Membership and Account Agreement which you received at account opening, you authorize
us to check your financial information data and employment history by any means allowed by law, including obtaining credit
reports and credit scores from third parties, including consumer reporting agencies from time to time to determine your
eligibility for accounts and services we may offer or that you request.

STATEMENT
FOR CONSUMER ACCOUNTS ONLY

ELECTRONIC TRANSFER ERROR RESOLUTION
In case of errors or questions about your electronic transfers, write, If we decide to do this, we will credit your account within
e-mail, or telephone us as soon as possible: America First Federal ten (10) business days, for the amount you think is in error, so
Credit Union, P.O. Box 11349, Birmingham, AL 35202; contact us that you will have use of the money during the time it takes us to
-memberservices@amfirst.org; or call: Birmingham, complete our investigation.
800-633-8431. We must hear from you within sixty
If we ask you to put your complaint or question in writing and we
(60) daysafter we sent, or otherwise made available, the first
do not receive it within ten (10) business days, we may not credit
statement on
your account. For transactions initiated outside the United States
which the problem appears.
and point-of-sale transactions, we will have ninety (90) calendar
a. Tell us your name and account number. days instead of forty-five (45) days to investigate your complaint or
b. Describe the transaction about which you are unsure, and question.
explain as clearly as you can why you believe it is an error or If we decide after our investigation that an error did not occur, we
why you need more information. will deliver or mail you an explanation of our findings within
c. Tell us the dollar amount of the suspected error. three (3) business days after the conclusion of our investigation. If
If you inform us orally about the suspected error, we may require you request, we will provide you copies of documents (to the
that you send us your complaint or question in writing within ten (10) extent possible without violating other members' right to privacy)
business days. We will tell you the results of our investigation within relied upon to conclude that the error did not occur.
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.
YOUR BILLING RIGHTS

KEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about your rights and We can continue to send statements to you for the amount you
our responsibilities under the Fair Credit Billing Act. NOTIFY US question, including finance charges, and we can apply any unpaid
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR amount against your credit limit. You do not have to pay any
STATEMENT. If you think your statement is wrong, or if you need questioned amount while we are investigating, but you are still
more information about a transaction on your statement, write to us obligated to pay the parts of your statement that are not in question.
on a separate sheet at the address listed on your statement. Write to us
as soon as possible. We must hear from you no later than sixty (60) If we find that we made a mistake on your statement, you will not
days after we sent you the first statement on which the error or have to pay any finance charges related to any questioned amount.
problem appeared. You may telephone us, but doing so will not If we didn't make a mistake, you may have to pay finance charges,
preserve your rights. and you will have to make up any missed payments on the
questioned amount. In either case, we will send you a statement of
In your letter, give us the following information: the amount you owe and the date that it is due. If you fail to
pay the amount that we think you owe, we may report you as
- Your name and account number. delinquent.
- The dollar amount of the suspected error. However, if our explanation does not satisfy you and you write to
us within ten (10) days of receiving the explanation, telling us that
- Describe the error and explain, if you can, why you believe you still refuse to pay, we must tell anyone to whom we report you
there is an error. If you need more information, describe the item that you have a question about your statement. And, we must tell
about which you are not sure. you the name of anyone to whom we reported you. We must tell
anyone we report you to that the matter has been settled between
us when it finally is. If we don't follow these rules, we can't collect
If you have authorized us to pay a credit card account automatically the first $50 of the questioned amount, even if your statement was
from your share account or share draft account, you can stop the correct.
payment on any amount you think is wrong. To stop the payment,
your letter must reach us three (3) business days before the SPECIAL RULE FOR CREDIT CARD PURCHASES. If you
automatic payment is scheduled to occur. have a problem with the quality of property or services that you
have purchased with a credit card, and you have tried in good faith
to correct the problem with the merchant, you may have the right
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE not to pay the remaining amount due on the property or services.
RECEIVE YOUR WRITTEN NOTICE. We must acknowledge There are two limitations on this right: (a) You must have made
your letter within thirty (30) days, unless we have corrected the error the purchase in your home state or, if not within your home state,
by then. Within ninety (90) days, we must either correct the error or within 100 miles of your current mailing address; and (b) the
explain why we believe the statement was correct. purchase price must have been more than $50.
After we receive your letter, we cannot try to collect any amount These limitations do not apply if we own or operate the merchant,
you question, or report you as delinquent. or if we mailed you the advertisement for the property or services.

STATEMENT
Volunteer Service Opportunities

In accordance with AmFirst bylaws, the Nominations Committee of the Board of Directors will accept applications for three board
positions. Applications are due by January 7, 2024. Board members will be announced at the Annual Meeting on April 18, 2024.
Incumbent volunteers are Linda Carver, Gil Miller and James Wendler.
Nominations for Board vacancies are also accepted by petitions signed by at least 500 members. Nominees must submit qualification
statements with 150-word limits, biographical data, and signed certificates stating they are agreeable to nomination and will serve if
elected. Such petitions must be received by 5 p.m. on February 27, 2024. Election balloting will not be conducted if there is one
nominee for each open position. Nominations from the floor will not be accepted at the meeting.
amfirst.org FH ·
SEND CORRESPONDENCE TO: P.O. BOX 11349,BIRMINGHAM, AL 35202 · AMFIRST.ORG TOLL-FREE: 1-800-633-8431
THOSE WITH HEARING OR SPEECH IMPAIRMENTS CAN DIAL 711 OR USE PREFERRED TELECOMMUNICATION RELAY SERVICES.
Federally insured by NCUA. Equal Opportunity Lender.

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STATEMENT

AmFirst Federal Credit Union ·1-800-633-8431 · amfirst.org

50490138 0000 Statement Date: December 31, 2023

fyi for your information

A Summary of Your Accounts A Summary of Your Loans

Post Effective Transaction Account

Post Effective Check Transaction Account

amfirst.org FH Federally insured by NCUA. Equal Opportunity Lender.

DIEGO VELASCO Account Number -17589200000 December 31, 2023 Page - 2 of 5

Post Effective Check Transaction Account

Overdraft and Returned Item Fees

TOTAL OVERDRAFT FEES ..................................................... 25.00 25.00

BEGINNING OTHER CASH OTHER TOTAL INTEREST ENDING

PAYMENT SCHEDULED PAST DUE TOTAL CREDIT DAILY VARIABLE ANNUAL

Only the minimum

53.55 3 years 1,927.25

Effective Purchase Transaction Loan

amfirst.org Federally insured by NCUA. Equal Opportunity Lender.

DIEGO VELASCO Account Number - 17589200000 December 31, 2023 Page - 3 of 5

Visa Classic, Continued

amfirst.org FH Federally insured by NCUA. Equal Opportunity Lender.

DIEGO VELASCO Account Number - 17589200000 December 31, 2023 Page - 4 of 5

Visa Classic, Continued

Effective Purchase Fee

Year-to-Date Fee and Interest Totals

*Total fees charged in 2023 28.87

*May not reflect fee reversals or waivers.

PAYMENT SCHEDULED PAST DUE TOTAL CREDIT DAILY VARIABLE ANNUAL

Post Effective Transaction Interest Loan

amfirst.org FH Federally insured by NCUA. Equal Opportunity Lender.

DIEGO VELASCO Account Number - 17589200000 December 31, 2022 Page - 5 of 5

Line of Credit, Continued

Post Effective Interest

Year-to-Date Fee and Interest Totals

*Total fees charged in 2023 0.00

*May not reflect fee reversals or waivers.

fyi for your information

amfirst.org FH Federally insured by NCUA. Equal Opportunity Lender.

FOR CONSUMER ACCOUNTS ONLY

YOUR BILLING RIGHTS

amfirst.org FH Federally insured by NCUA. Equal Opportunity Lender.

Volunteer Service Opportunities

Federally insured by NCUA. Equal Opportunity Lender.

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