Rev. 04/3/2026
ADDENDUM TO THE FIRST BANK OF ALABAMA INTERNET AND BILL PAY AGREEMENT TO INCLUDE THE “MY CREDIT” SERVICE
My Credit Service Terms and Conditions
You agree that by navigating beyond the My Credit tab in our Online and Mobile Banking Service and continuing beyond the “Submit” button, or by otherwise accessing or using the My Credit Third-Party Content, you instruct First Bank of Alabama (FBA) to periodically obtain your credit report to use it for the following purposes:
- To display your credit score information to you for educational purposes and to assist you in understanding how financial transactions affect your credit score;
- To confirm your identity, such as to identify potential fraudulent transactions in your name; and
- To offer our products and services to you.
We will use the information in your customer file to verify your identity without any additional action needed by you. This information includes your name, social security number, birthdate, and address. When we display your credit score, this is a composite score designed by a third party and its use does not affect your credit score. If you choose to apply for additional products and services we offer (including extensions of credit), we may need to obtain your credit report, which can affect your credit score. We will request additional authorization from you at that time, if required.
The score shown is your VantageScore® 3.0 score using data from TransUnion. Each of the three credit bureaus (Equifax®, Experian®, and TransUnion®) uses a different model to calculate a credit score and each gathers data independently. The credit bureaus pull your information from many different sources (such as lenders, collections, court records) at different times. There will always be discrepancies at any particular time between the reports from each credit bureau. Other financial institutions and companies that provide your credit score use different methods. Some rely on FICO® Score and some rely on VantageScore. Even between those two companies, there are credit scores based on reports from one bureau, two bureaus, or all three bureaus.
Your lender (including First Bank of Alabama) may not use VantageScore 3.0, so it is possible that your lender will give you a score that differs from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender's score. If the lender's score is lower than your VantageScore 3.0, it is possible this difference can lead to higher interest rates and sometimes credit denial.
The score will be updated every 31 days. When you log in to online or mobile banking after this time frame, the updated score may be viewed. This service is only available to consumer/retail online banking customers. Use of My Credit is subject to the following My Credit Terms and Conditions, as amended from time to time. You must accept the terms and conditions below before You will be allowed to access My Credit. My Credit is supported by data and services from TransUnion Credit Bureau (TransUnion LLC).
As used herein, the terms “FBA”,” “Us,” “We,” or “Our,” refers to First Bank of Alabama, or any affiliate, agent, service provider, independent contractor, designee, or assignee that We may at Our sole discretion, involve in the provision of My Credit. As used herein, the terms “You” or “Your” refers to the individual that is the user of the My Credit service. When You use, access, or permit any other person(s) or entity to use or access My Credit, You agree to these terms and conditions. We may amend or change these terms and conditions from time to time, in Our sole discretion, by sending You written notice by electronic mail, postal mail, or by posting the updated terms and conditions on the FBA Website. If You find the terms and conditions unacceptable to You at any time, please discontinue Your use of My Credit. Your use of My Credit after We have made changes to the My Credit service will be considered Your agreement to any changes.
Eligibility
You must be a U.S. resident, including any of the U.S. Territories to enroll for and use My Credit. You must have sufficient credit history in Your credit file with TransUnion to generate a Vantage Credit Score and to provide credit report information. If TransUnion cannot match You with a credit report or is otherwise unable to obtain Your VantageScore Credit Score, You will not be able to use My Credit until such time as You have built a sufficient credit history. We reserve the right to refuse access to My Credit at any time.
Registration and Accurate Information
If You choose to access My Credit, You will be required to provide personal information to register and enroll. You agree to provide accurate information in Your registration and not share Your FBA online banking password with third parties. You agree not to impersonate another person or to select or use a username or password of another person. You agree to notify FBA and TransUnion promptly of any unauthorized use of My Credit and of any loss, theft, or disclosure of Your online banking password. Failure to comply with these requirements will constitute a breach of these terms and conditions and shall constitute grounds for termination of Your My Credit access. Report any issue with credit report information to TransUnion. TransUnion contact information for reporting disputes with your credit report is 1-800-916-8800; TransUnion LLC Consumer Dispute Center, PO Box 2000, Chester PA 19016-2000. You may also report a dispute on TransUnion’s website (https://www.transunion.com/credit-disputes/dispute-your-credit).
Your Authorization to FBA to Obtain Your Credit Information
By clicking the “submit” button during enrollment, You are providing written instructions under the Fair Credit Reporting Act and other applicable laws, including applicable state laws, for TransUnion Credit Bureau (TransUnion LLC), or any other consumer reporting agency, to release Your credit report information, for example a VantageScore Credit Score, employment, or income information about You, to FBA, upon FBA’s request at any time so long as You are enrolled in the My Credit service. FBA will utilize this information to provide You with the My Credit service, to market other products and service to You from time to time and facilitate applications for products and services.
My Credit Services
FBA will be offering My Credit services to its online and mobile banking members free of charge. Members will receive free access to their credit report, credit score, credit alerts, credit score simulator, and debt analysis. A description of My Credit’s services is set forth below.
VantageScore Credit Score
The credit score provided is Your VantageScore Credit Score, which is a model created by the three major credit bureaus: Equifax, Experian, and TransUnion. VantageScore Credit Score predicts credit risk. VantageScore measures the probability a person will pay his or her debts on time. The scores provided by My Credit are for educational and informational purposes only. You can view Your VantageScore Credit Score and My Credit as frequently as You would like without impact to Your credit score. My Credit will only evaluate the account information that appears on Your TransUnion consumer credit report. Accounts not reported or subsequently deleted from Your TransUnion credit report will not be reflected in Your score. My Credit does not maintain Your credit report information and cannot make any changes to it. FBA is not responsible for inaccurate results, including any due to incorrect, incomplete, or outdated information in Your credit report.
Alerts
Credit Monitoring tracks the health of Your credit to help determine a potential identify theft and alerts You when new personal information or new credit activity occurs on Your TransUnion credit report. Credit alerts include new inquiries, address changes, new derogatory information, new public record, new accounts opened in Your name, etc.com
Score Simulation
My Credit contains features that estimate how changes in Your credit behavior may impact Your credit score. These features show how these changes may impact the credit score displayed on My Credit, which is the VantageScore Credit Score. Simulated scores and score changes simulated by My Credit are only predicted estimates. My Credit does not guarantee Your actual credit score will change by the same amount, in the same way, or at all.
Debt Analysis
Debt Analysis automatically captures and synchronizes the debt record listed in the applicable credit report. Your debt-to-income (DTI) refers to the total amount of debt payments You owe every month divided by Your gross monthly income. This ratio includes all Your total monthly recurring debt and is utilized to determine what additional debt capacity You may have available.
Communications
You agree to receive these terms and conditions and all other communications regarding My Credit in electronic format. You agree that by using My Credit, all notices, alerts, or other communications which We may be required to give You arising from Our obligations under My Credit may be sent to Your email address. By enrolling in My Credit, You are consenting to receive these communications.
Marketing Our Products and Services
You agree that by enrolling and using My Credit, You permit FBA to periodically obtain Your credit report to market Our products and services to You.
New Features
We may, from time to time, introduce new features to My Credit or modify and/or delete existing features at Our sole discretion. We shall notify You of any of these changes to feature if We are legally required to do so. By using any new or modified features when they become available, You agree to be bound by the rules and terms concerning these features.
Cancellation
You may terminate Your service with My Credit at any time by unenrolling in the product on FBA’s online banking site or FBA mobile application. To unenroll from My Credit, select the My Credit widget from the dashboard in your online or mobile banking. From the My Credit homepage, select unenroll at the bottom left of the page. If on the mobile app, select the three lines at the top left of the homepage, then select unenroll at the bottom of the page. Confirm unenrollment. Your cancellation will be effective immediately. When You cancel, it does not affect the validity of actions taken by Us prior to Your cancellation or while the cancellation is being processed. We may cancel My Credit or change these terms and conditions at any time in Our discretion.
Arbitration
You agree that You are subject to the Arbitration provisions as set forth in FBA’s Account Agreements and Disclosures.
Limitation of Liability
Except as set forth herein or where applicable law requires a different standard, neither FBA, its partners or affiliates, nor TransUnion shall be responsible for any loss, damages, or injury or for any direct, indirect, special, incidental, exemplary, or consequential damages, including lost profits, arising from or related to the system, equipment, browser and/or the installation or maintenance thereof, access to Our use of My Credit, failure or electronic or mechanical equipment, the internet, the system ,or communication lines, telephone or other interconnect problems, bugs, errors, configuration problems or delays with intermediate computer or communications network or facilities, problems with data transmission facilities or any other problems You experience. Except as otherwise expressly provided in any applicable agreement, You understand and agree that Your use of My Credit is at Your sole risk and that My Credit and all information, products, and other content included in or accessible from the service, are provided on an “as is,” “where-is,” and “where available,” basis, and are subject to change at any time without notice to You.
No Warranty
You acknowledge that FBA, its partners, and TransUnion make no warranty that My Credit will be uninterrupted, timely, secure, or error-free unless otherwise stated. To the fullest extent permitted by law, FBA, its partners, and TransUnion disclaims all representations, warranties, and conditions of any kind as to My Credit and all information, products, and other content included or accessible from the service. No license is implied to You from these disclaimers.
Other FBA Agreements
In addition to these terms and conditions, You agree to be bound by and comply with such other written requirements as We may furnish to You in connection with either My Credit or products which may be offered to You with Your My Credit service, including but not limited to the FBA Account Agreements and Disclosures, the FBA Internet and Bill Pay Agreement, or any agreement which applies to FBA accounts You may have, and with all applicable state and federal laws and regulations. In the event of a conflict between these terms and agreements and any other FBA terms and agreements, the Account Agreements and Disclosures will control.
Termination
We may terminate, suspend, or limit Your access to My Credit, in whole or in part, at any time for any reason without prior notice. The obligation and liabilities of the parties incurred prior to the termination date shall survive the termination of these terms and conditions for all purposes. We may determine other eligibility criteria in Our sole discretion.
Indemnity
You acknowledge and agree that You are responsible for Your conduct while using My Credit and agree to indemnify and hold Us and Our officers, directors, employees, and agents harmless from and against any loss, damage, liability, cost, or expense of any kind that We may occur in connection with a third party claim or otherwise, in relation to Your use of My Credit or the use of My Credit by anyone utilizing Your account number, PIN, user ID, password, whether authorized or unauthorized, or Your violation of these terms and conditions or the right of any third party. Your obligations under this paragraph shall survive termination of these terms and conditions.
Choice of Law
These terms and conditions and their enforcement shall be governed by the laws of the State of Alabama, without regard to any choice of law statute or rule and shall inure to the benefit of Our successors and assigns, whether by merger, consolidation, or otherwise. You irrevocably submit to the jurisdiction and venue of the State of Alabama courts in the county of Talladega.
Severability
If any terms of the My Credit terms in the agreement are deemed unenforceable by a court of competent jurisdiction, then that section shall be severed, and all other sections shall remain valid and enforceable.
Account Information
Any FBA account information provided to You as part of My Credit is not the official record of Your FBA account or its activity. Your account statement, furnished to You by Us for accounts will remain the official record. My Credit information is updated regularly, but it is subject to adjustment and correction and therefore should not be relied upon by You for taking, or forbearing to take, any action.
First Bank of Alabama
P.O. Box 797
Talladega, AL 35161
256-362-2334