Checking FAQs

Catalyst Connect Checking FAQs

Evolve Checking FAQs

1Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
2APY = Annual Percentage Yield. APY is accurate as of January 15, 2023. Dividends paid after completing all requirements for a full calendar month.
3Failure to meet these requirements in any given month results in forfeiture of the APY for that month.
4Overdraft forgiveness reimburses the first four fees annually resulting from an overdraft transfer, NSF or Convenience Pay transaction. USF FCU offers standard overdraft practices (Convenience Pay) in which we may authorize and pay overdrafts when you don’t have enough money in your account to cover a transaction. We also offer other overdraft protection plans such as a link to a savings account or line of credit, which may be less expensive than our standard overdraft practices. Under our standard overdraft practices, we will charge you a fee of up to $10 each time we pay an overdraft of $5 or less and we will charge you $29 each time we pay an overdraft larger than $5. If an overdraft occurs on your account and, at the credit union’s discretion, we do not authorize and pay the transaction, your transaction will be declined and you may be subject to an NSF Fee according to our current Fee Schedule. USF FCU will have the discretion to pay overdrafts on accounts in good standing, any such payment is a discretionary courtesy, and not a right of the member or an obligation of USF FCU, and USF FCU can cease paying overdrafts at any time without prior notice of reason or cause. USF FCU will not pay overdrafts for ATM or everyday debit card transactions unless you have opted into the payment of these overdrafts. USF FCU encourages all members to manage their accounts responsible to avoid applicable fees.
5Member-to-member transfers through mobile app or linking accounts via online banking only. There is no fee from USF Federal Credit Union to use mobile banking. Data, usage and message rates may apply. Contact your wireless service provider for more details.

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