Terms of Use

THESE TERMS OF USE GOVERN THE ACCESS AND USE OF OUR WEBSITE AND SHOULD BE CAREFULLY READ. BY ACCESSING OR USING OUR WEBSITE, THE USER ACCEPTS AND AGREES TO BE BOUND BY THESE TERMS OF USE AS THEY MAY FROM TIME TO TIME BE MODIFIED BY AMERICAN HERITAGE CREDIT UNION AND ITS AFFILIATES (COLLECTIVELY, “AMERICAN HERITAGE”) WITHOUT NOTICE.

Use of Website

Our website contains information, names, images, pictures, logos, icons, documents and other material (the "Contents") for the use and information of American Heritage members and other visitors to our website. The Contents may not be copied (other than a copy for personal use), modified, distributed, transmitted, displayed, performed, reproduced, transferred, resold or republished without the prior written consent of AMERICAN HERITAGE, which it may withhold in its sole discretion.

Modifications

AMERICAN HERITAGE may at any time make modifications, changes, and alterations to the contents of this website, including these Terms of Use, without prior notice. Users are responsible for regularly reviewing these Terms of Use. Your continued use of this website following any modifications, changes or alterations shall constitute your acceptance of each such modification, change or alteration.

Transmissions to and from this Website

Except when utilizing the forms within our website or when expressly indicated as being secure, transmissions to and from this website or directed to AMERICAN HERITAGE, including emails, are not sent in a secure form and can be intercepted by third parties and may not be immediately received by the appropriate business unit at AMERICAN HERITAGE. Please do not use email other than the forms within our website to send us communications that contain confidential information, which we require to be in writing, or which need our immediate attention. Please contact us at 215-969-0777, visit an AMERICAN HERITAGE branch, or visit us at 2060 Red Lion Rd., Philadelphia, PA 19115 to communicate confidential information. Any transmission to this website, including emails, shall be deemed and remain the property of AMERICAN HERITAGE. AMERICAN HERITAGE may use and provide information contained in any such transmission (including any ideas, concepts, know-how or other intellectual property) to any of its affiliates for any purpose whatsoever and as deemed appropriate by AMERICAN HERITAGE. Users should be aware that linked sites (see "Linked Sites", below) may utilize privacy policies which differ from ours. AMERICAN HERITAGE is not responsible for such policies and expressly disclaims any and all liability related to such policies. Be aware of the unsecure nature of emails with any link to an email address.

Cookies

Cookies are small strings of text that a website can send to your computer. A cookie cannot retrieve any data from your hard drive, pass on computer viruses or capture personal information such as your email address. Currently, websites use cookies to enhance the user's visit; in general, cookies can securely store a user's ID and password, personalize home pages, identify which parts of a site have been visited or keep track of selections in a "shopping cart.” If you become a registered user with a designated user ID and password, we use cookies so that we can provide customized information that we believe will be of value to you based on preferences indicated, other information we have about you as an AMERICAN HERITAGE member, as well as information available from external sources such as the census bureau. If you are a registered user and are visiting the site to, for example, perform banking transactions, you must accept the website's cookies as they are essential for site administration and security.

Copyrights and Other Intellectual Property

Except where otherwise expressly noted or as noted below, all contents of this website, including the graphics, icons and overall appearance of the website, are the sole and exclusive property of American Heritage and/or its subsidiaries or affiliates. The posting of the contents of this website neither constitutes a waiver of any of AMERICAN HERITAGE's proprietary rights or any other party's proprietary rights, including but not limited to, copyrights, trademarks, service marks, patents and other intellectual property, nor a transfer by implication, estoppel or otherwise of any such rights or of any license to the website user or to any third party. Contents of this website are protected by United States and international copyright laws, both as individual works and as a collection and by United States and international trademark laws. You agree not to delete any copyright, trademark or similar notice from any contents that you obtain from the website. The display of trademarks within this website does not grant you a license of any kind. Any downloading of material contained in the site, or of any site linked to the site, may be a violation of federal trademark and copyright laws. Any downloading of contents of this website or any website linked to this website may be a violation of federal and other trademark laws and federal copyright laws.

Linked Sites

We allow our website users to directly access non-AMERICAN HERITAGE websites and content by providing links users to third-party sites, and by bringing third-party content into our site via "inverse" hyperlinks and framing technology (a "linked site"). We provide these links solely as convenient pointers to information on topics that may be useful to users of our website and we have no control over the content on such non-AMERICAN HERITAGE websites. Should you choose to visit, via our link, a non-AMERICAN HERITAGE website, AMERICAN HERITAGE makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does AMERICAN HERITAGE warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. AMERICAN HERITAGE urges users to understand these risks before using, relying upon or retrieving information from a linked site. Links to non-AMERICAN HERITAGE sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites. Linked sites may have privacy policies that differ from ours. Click on Electronic Privacy Policy to view our current electronic privacy policy. The providers of linked sites may not be bound by federal regulation, as AMERICAN HERITAGE is, to disclose your personal information only in compliance with such regulations. Be aware of the unsecure nature of emails with any link to an email address.

No Warranties

Although AMERICAN HERITAGE attempts to ensure that the Contents provided or otherwise displayed on our website are accurate, we make no representation, endorsement or warranty that the Contents are accurate or suitable for your particular purpose. THE WEBSITE AND ITS CONTENTS ARE PROVIDED ON AN "AS IS" BASIS. USE OF THE WEBSITE AND ITS CONTENTS IS AT THE USER'S SOLE RISK. THE WEBSITE AND ITS CONTENTS ARE PROVIDED WITHOUT ANY REPRESENTATIONS, ENDORSEMENTS OR WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE OR ACCURACY AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, WITH THE SOLE EXCEPTION OF WARRANTIES (IF ANY) WHICH CANNOT BE EXPRESSLY EXCLUDED UNDER APPLICABLE LAW.

Limitation of Liability

IN NO EVENT WILL AMERICAN HERITAGE OR ITS SUBSIDIARIES, AFFILIATES, REPRESENTATIVES, CONTRACTORS, OR THEIR RESPECTIVE OFFICERS, DIRECTORS OR EMPLOYEES BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER UNDER A CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY, ARISING IN CONNECTION WITH ANY PARTY'S USE OF OUR WEBSITE OR A LINKED SITE, ANY FAILURE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY, COMPUTER VIRUS, LINE SYSTEM FAILURE OR LOSS OF DATA; ANY LOSS OF USE RELATED TO OUR WEBSITE OR A LINKED SITE; ANY WEBSITE OPERATED BY ANY THIRD PARTY; OR ANY CONTENTS OF THIS WEBSITE OR ANY LINKED SITE, EVEN IF AMERICAN HERITAGE IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

Available Only Where Permitted by Law

The products and services of AMERICAN HERITAGE are available only in the United States and other countries where permitted by law, to qualified members.

Governing Law

These Terms of use shall be governed by and construed in accordance with the law of the Commonwealth of Pennsylvania, without regard to the conflict of laws thereof, and to the laws of the United States.

Venue

Disputes arising from the use of this website shall be exclusively subject to the jurisdiction of any federal or state court for the Commonwealth of Pennsylvania.

Severability

If a court of competent jurisdiction determines that a portion of our Terms of Use is unenforceable, such portion shall be modified solely to the extent necessary to cause such portion to be enforceable and these Terms of Use as so modified shall otherwise remain in full force and effect.

Waiver

No waiver by AMERICAN HERITAGE of any right under or term or provision of these Terms of Use will be deemed a waiver of any other right, term, or provision of these Terms of Use at that time or a waiver of that or any other right, term, or provision of these Terms of Use at any other time.

Accessibility

We are committed to making our content accessible to individuals with disabilities and are continually working to increase accessibility and usability. We continually monitor and test our website in order for it to meet the accessibility requirements as defined by World Wide Web Consortium's Web Content Accessibility Guidelines (WCAG) 2.1 A and AA accessibility levels.

AMERICAN HERITAGE has incorporated design best practices into its website so that the pages are accessible to people with physical and visual impairments, including those who need screen readers, those who are color blind and those who cannot use a mouse.

Currently, our website may not meet all the WCAG 2.1 A and AA accessibility level standards despite our best efforts. Some documents on the AMERICAN HERITAGE website are in portable document format (PDF). For the best experience viewing these files, please download the latest version of Adobe Acrobat Reader, which is available for free at the Adobe website.

Children’s Online Privacy Protection Act (COPPA)

American Heritage Credit Union (American Heritage) provides Youth and Learning sections of its website for the convenience and education of youth members and their parent(s)/guardian(s). In partnership with various companies and programs, American Heritage offers links to financial education websites for young members. We encourage parents or guardians to monitor children when they are online and to participate with children in any interactive activities offered on  americanheritagecu.org

American Heritage is committed to protecting the online privacy of the children who visit its website and to complying with the Children’s Online Privacy Protection Act (COPPA). COPPA prohibits unfair or deceptive acts or practices in connection with the collection, use or disclosure of personally identifiable information from and about children on the internet.

1. Personal Information – American Heritage Credit Union does not collect or use personal information of children 13 and younger through  americanheritagecu.org.

2. Member Contact – American Heritage Credit Union may use feedback information from readers to respond to member service requests, inquiries, comment or suggestions when initiated by the visitor to the website. 

3. American Heritage may send invitations to community events and notifications of contests, scholarships or prize drawings to underage members via email and postal mail, which are sent to parent email and postal addresses on file. Email information is never sold, given or disclosed to third parties.

4. Opt Out – Any member who does not wish to receive communications from American Heritage can opt out by calling 800.342.0008 and requesting to opt out.

American Heritage Credit Union’s website may include links to the external websites of others. These external sites are not part of American Heritage’s services and are not under control by the credit union. Because these external websites may have privacy policies that are different than American Heritage, please consult the privacy policies of any website that asks for personally identifiable information before providing it.

American Heritage Federal Credit Union (“American Heritage Credit Union” "we," "us," or "our") SMS Account Alert Messaging Program Terms of Use 

Effective Date: November 1, 2026

• Account alerts and notifications
• Transaction activity alerts
• Fraud and security alerts
• Payment reminders
• Service notifications and appointment reminders
• Digital banking updates
• SMS Chat with Contact Center
• MFA Codes

• Phone: 1 (800) 342-0008
• Email: memberservices@amhfcu.org
• Website: www.americanheritagecu.org
• SMS Short code: 264328

• Full account numbers
• Social Security numbers
• Online banking credentials

American Heritage Federal Credit Union SMS Marketing Program Terms of Use (“SMS Marketing Program Terms of Use”)

Effective Date: November 1, 2026

These SMS Marketing Terms of Use govern participation in the SMS marketing text messaging program ("SMS Marketing Program") operated by American Heritage Federal Credit Union ("Credit Union," "we," "us," or "our").

By opting into the SMS Marketing Program, you agree to these SMS Marketing Terms of Use and acknowledge our Privacy Policy located at https://www.AmericanHeritageCU.org/Privacy-Policy.

1. Consent to Receive Marketing Text Messages

There are various reasons you may opt in to receive SMS text messages from us. You opt in to receive each type of message separately. Similarly, if you desire to opt out by sending us a text message, you must do so for each program. Alternatively, you may call or email us to opt out of all Marketing text messages, provided, we may always have the right to text message you related to security or fraud alerts. By opting into the SMS Marketing Program, you expressly authorize American Heritage Credit Union and its service providers to send automated marketing, promotional and informational text messages to the mobile telephone number you provide, including through an automated telephone dialing system and or use of an artificial and/or prerecorded voice.

Marketing text messages may include:

• Promotional offers and discounts
• Product announcements
• Member service communications
• Account-eligible offers (where applicable)

Consent to receive marketing text messages is not a condition of obtaining membership, opening an account, applying for credit, receiving services, or purchasing any product or service.

Message frequency may vary.

Message and data rates may apply.

2. Enrollment

You may enroll in the SMS Marketing Program through:

• Website sign-up forms
• Keyword text enrollment
• QR codes
• In-branch registration
• Other authorized opt-in methods

By enrolling, you represent that:

• You are at least 18 years of age (or the age of majority in your jurisdiction);
• You are the subscriber or authorized user of the mobile number provided;
• You are authorized to consent to receiving messages at that number; and
• You agree to receive the message types listed in section 1.

3. Opting Out

You can cancel the SMS marketing messages at any time. Just text “STOP” to the number or long code, contact us, or click here. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed to the marketing text messages. After this, you will no longer receive SMS marketing messages from that specific number or long code, unless you opt in again.

If you participate in multiple American Heritage SMS programs, you may need to opt out of each program separately. For example, if you have opted in to receive account alerts, opting out of the marketing alerts will not automatically opt you out of the account alerts.

4. Help and Support

For assistance, you may contact us at:

Phone: 1 (800) 342-0008
Email: memberservices@amhfcu.org
Website: AmericanHeritageCU.org

5. Carrier participation may vary, and wireless carriers are not liable for delayed or undelivered messages.

6. Message and data rates may apply to each text message sent or received in connection with the SMS Marketing Program, as provided in your mobile telephone service rate plan. Please contact your wireless carrier for pricing details.

6. Changes to Your Mobile Number

If you change, transfer, relinquish, or deactivate the mobile phone number used to enroll in the SMS Marketing Program, you agree to opt out before doing so.

You agree to indemnify and hold American Heritage Credit Union harmless from claims arising from your failure to notify us of a number reassignment or change.

7. American Heritage Credit Union takes appropriate administrative, technical, and physical safeguards to protect the security of your information transmitted through the SMS Marketing Program. However, SMS messages are not encrypted and may be intercepted during transmission.

You should avoid sending sensitive personal information via text message

such as:

• Full account numbers
• Social Security numbers
• Online banking credentials

American Heritage Credit Union will not request you send sensitive personal information via SMS text message.

8. If you have any questions regarding privacy, please read our Privacy Notice Disclosure.

9. American Heritage Credit Union reserves the right to update or modify these SMS Marketing Program Terms of Use at any time. Any updates will be posted on our website. Your continued participation in the SMS Marketing Program constitutes acceptance of any changes to these SMS Marketing Program Terms of Use.

10. Prohibited Use

You agree not to:

• Use the SMS Marketing Program for unlawful purposes;
• Submit false or misleading information;
• Interfere with SMS Marketing Program operations; or
• Attempt unauthorized access to Credit Union systems.

Violation of these SMS Marketing Terms of Use may result in suspension or termination of your participation.

11. Disclaimer of Warranties

THE SMS MARKETING PROGRAM IS PROVIDED "AS IS" AND "AS AVAILABLE."

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AMERICAN HERITAGE CREDIT UNION DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE CREDIT UNION SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR PARTICIPATION IN THE SMS MARKETING PROGRAM.

13. Dispute Resolution and Arbitration

Binding Arbitration and Class Action Waiver

RESOLUTION OF DISPUTES BY ARBITRATION: THIS SECTION CONTAINS IMPORTANT INFORMATION REGARDING YOUR ACCOUNTS AND ALL RELATED SERVICES. IT PROVIDES THAT EITHER YOU OR WE CAN REQUIRE THAT ANY DISPUTES BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, THE DISPUTE IS SUBMITTED TO A NEUTRAL PARTY, AN ARBITRATOR, INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES MAY BE MORE LIMITED THAN RULES APPLICABLE IN COURT.

Agreement to Arbitrate Disputes.

Either You or We may elect, without the other’s consent, to require that any dispute between us concerning Your Accounts and the services related to your Accounts be resolved by binding arbitration, except for those disputes specifically excluded below. This means that whether or not the other agrees, one of us may force the other to arbitrate.

The Federal Arbitration Act, 9 U.S.C. §§ 1 – 16 (the “FAA”) applies to this arbitration agreement, to the fullest extent allowed by law.

Disputes Covered by Arbitration.

Claims or disputes between you and us arising out of or relating to your Account(s), transactions involving your Account(s), safe deposit box, and any related service with us are subject to arbitration. Any claims or disputes arising from or relating to this agreement, any prior account agreement between us, or the advertising, the application for, or the approval or establishment of your account are also included. Claims are subject to arbitration, regardless of what theory they are based on or whether they seek legal or equitable remedies. Arbitration applies to any and all such claims or disputes, whether they arose in the past, may currently exist or may arise in the future. All such disputes are referred to in this section as “Claims”.

An exception to arbitration of Claims is that both you and we have the right to pursue a Claim in a small claims court instead of arbitration, if the Claim is in that court’s jurisdiction and proceeds on an individual basis. Claims or disputes arising from your status as a borrower under any loan agreement with the Credit Union are also excluded from this Resolution of Disputes by Arbitration provision.

No Class Action or Joinder of Parties.

YOU ACKNOWLEDGE THAT YOU AND WE AGREE THAT NO CLASS ACTION, CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER PROCEEDING WHERE SOMEONE ACTS IN A REPRESENTATIVE CAPACITY, MAY BE PURSUED IN ANY ARBITRATION OR IN ANY COURT PROCEEDING, REGARDLESS OF WHEN THE CLAIM OR CAUSE OF ACTION AROSE OR ACCRUED, OR WHEN THE ALLEGATIONS OR FACTS UNDERLYING THE CLAIM OR CAUSE OF ACTION OCCURRED. Unless mutually agreed to by you and us, claims of two or more persons may not be joined, consolidated, or otherwise brought together in the same arbitration (unless those persons are joint account holders or beneficiaries on your account and/or related accounts, or parties to a single transaction or related transaction), whether or not the claim may have been assigned.

Right to Reject this Resolution of Disputes by Arbitration provision.

You have the right to opt out of this agreement to arbitrate if you tell us within 30 days of the opening of your account or the mailing of this notice, whichever is later. To opt out, send us written notice at the following address: 2060 Red Lion Road, Philadelphia, PA 19115

Otherwise, this agreement to arbitrate will apply without limitation, regardless of whether 1) your account is closed; 2) you pay us in full any outstanding debt you owe; or 3) you file for bankruptcy.

The Arbitration Proceeding.

The arbitration must be filed with one of the following neutral arbitration forums: American Arbitration Association (AAA) or JAMS. That organization will apply its code of procedures in effect at the time the arbitration claim is filed. If there is a conflict between that code and this arbitration provision and/or this agreement, this arbitration provision and this agreement will control. If AAA or JAMS is unable to handle the claim for any reason, then the matter shall be arbitrated by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with the FAA). The arbitration shall be conducted in Philadelphia, Pennsylvania, unless the parties agree to a different location in writing.

Costs and Legal Expenses.

The party initiating the arbitration shall pay the initial filing fee. If You file the arbitration and an award is rendered in Your favor, We will reimburse You for Your filing fee. If there is a hearing, We will pay the fees and costs of the arbitration for the first day of that hearing. All other fees and costs will be allocated in accordance with the rules of the arbitration forum. However, We will advance or reimburse filing and other fees if the arbitrator rules that You cannot afford to pay them or finds other good cause for requiring Us to do so, or if you ask us in writing and we determine there is good reason for doing so. Each party shall bear the expense of their respective attorneys, experts, and witnesses and other expenses, regardless of who prevails, but a party may recover any or all costs and expenses from another party if the arbitrator, applying applicable law, so determines.

Right to Resort to Provisional Remedies Preserved.

Nothing herein shall be deemed to limit or constrain our right to resort to provisional remedies, such as the right of set-off or the right to restrain funds in an account, to interplead funds in the event of a dispute, to exercise any security interest or lien we may hold in property, or to comply with legal process, or to obtain provisional remedies such as injunctive relief, attachment, or garnishment by a court having appropriate jurisdiction; however, such provisional remedies shall be limited to an individual basis.

Severability, Survival.

These arbitration provisions shall survive (a) termination or changes to Your accounts or any related services; (b) the bankruptcy of any party; and (c) the transfer or assignment of your Accounts or any related services. If any portion of this Resolution of Disputes by Arbitration provision is deemed invalid or unenforceable, the remainder of this Resolution of Disputes by Arbitration provision shall remain in force. No portion of this Resolution of Disputes by Arbitration provision may be amended, severed, or waived absent a written agreement between You and Us.

Applicability.

Arbitration will not apply to You or Your dependents as long as You are an active duty Service Member.

14. Termination

We may suspend or terminate the SMS Marketing Program or your participation at any time, with or without notice, for any lawful reason.

15. Governing Law

These SMS Marketing Terms of Use shall be governed by the laws of the Commonwealth of Pennsylvania, without regard to conflict of law principles.

16. Contact Information

American Heritage Credit Union
2060 Red Lion Road, Philadelphia, PA 19115
1 (800) 342-0008
memberservices@amhfcu.org