It's our goal to make your life easier, with our overdraft
Existing Account Overdraft
Link your checking account to your Savings Account (Shares),
Money Market Account, Line of Credit (LOC) or any other existing
accounts that you may have within the credit union. There is no
fee to overdraft with this option, unless this option is used to
pay a check. If overdraft protection transfers funds to pay a
check, the fee is $3 per transfer.
overdraft protection transfers funds to pay an item from a Line
of Credit (LOC), funds will be transferred in increments of $100
and the fee is $7 per transfer.
*Please note that
Regulation D limits all electronic transfers from Savings
Accounts to six per month.
Convenience Pay Overdraft Protection Service
With our busy
lives, itís easy to make mistakes such as forgetting to deposit
a check, make a transfer, or deduct your last debit charge from
your balance. A simple error or balance miscalculation can lead
to an unexpected shortage of funds.
Credit Union may have the solution youíre looking for with our
Convenience Pay program. Convenience Pay is not a line of
credit. However, if you inadvertently overdraw your
account, we will have the discretion to pay the overdraft,
subject to your Convenience Pay limit. Please click
HERE for the
complete Discretionary Convenience Pay Disclosure.
1st Credit Union will not pay overdrafts for
ATM or everyday debit card transactions unless you have given
your consent by opting in to the payment of these overdrafts.
HERE for more
information about opting in to extend your Convenience Pay
Other Convenient Options to
Deposit or Withdraw your money:
- Free 1st CU Visa Check Card
- 24-hour e-Branch
- Direct Deposit - Assurance that your paycheck will be in
your account every payday, without having to drive over to
cash or deposit it.
- Use our ABA Routing & Transit Number to set up your direct
deposit today! 263-178-481
- Deposits by ATM
- Wire Transfers