Frequently Asked Questions
Quickly and easily find answers to the most common questions we get asked.
Rewards are awarded on transactions occurring and balances maintained during the calendar month in which the Reward is earned. Depending on the Reward type, the Reward may be awarded at the time of transaction (such as free money orders and official checks), overnight following the date of the transaction (as with overdraft transfer fee reimbursement) or within five business days of the month following thereafter (as in the case of quarterly refund of loan interest paid). Fee reimbursements, rebates and the quarterly refund of loan interest paid are posted to your account and are reflected on your account statement.
Rewards are not prorated. If you terminate your membership or close qualifying deposit or loan accounts during the month, you may not be awarded the Rewards for that calendar month.
If you overdraw your checking account, funds from the linked account (usually savings) will be transferred automatically to cover your negative checking balance. There is normally a fee for this, but as a Catalyst Member this fee is reimbursed so there at no cost to you. Reimbursement of this fee will occur overnight, after the fee has posted to your account.
Interest refund will be deposited into member’s Primary Savings Account within 5 business days of quarter-end. Your interest refund % will be based on your tier qualification level at quarter-end. If loan account is 30 or more days delinquent, or if you do not carry the required level of insurance on your vehicle, you will not be eligible to receive that quarter’s interest refund. Quarterly refund of loan interest paid applies for Vehicle Loans (direct auto or specialty vehicle) and Personal Loans and Lines of Credit only.
Deposit accounts refer to all USF FCU savings, checking, money market, IRA and certificate accounts. Investment balances held with CUNA Mutual Brokerage Services do not count toward the total individual balance calculation.
We offer standard overdraft practices (i.e., Convenience Pay) for eligible members. With Convenience Pay, we may authorize and cover insufficient funds transactions, instead of returning the item. Please note: There is a fee per covered transaction. Convenience Pay Plus will extend overdraft coverage to ATM and debit card transactions. You must opt-in for Convenience Pay Plus coverage. Learn more here.
You may elect other overdraft protection coverage, such as linking to a savings account or line of credit. In that case, we will attempt to cover NSF transactions by transferring from your linked account.
Our checking accounts have no monthly maintenance fees, debit card usage fees, or below balance fees. There may be fees for optional services associated with your account, such as charges for ordering checks, requesting a stop payment, or overdrawing your account. Please review our Fee Schedule for more details.
Please note: There is a $5 monthly savings fee that applies if you are 25 or older, have no loan(s), and an aggregate average daily balance of less than $300 in all your share accounts.
Yes, but you will need to contact us prior to traveling overseas. Our fraud monitoring technology may decline attempted transactions that are outside of your normal activity, like international purchases, unless we are aware and have made notes to your account regarding your travel destination and dates.
Please reach out to our member service representatives as soon as possible. The representative will go over your recent transactions and assist you further.
If we determine that your card has been compromised, we will block your current debit card, issue a new one, and email/fax you the fraud paperwork to complete. Once you complete and submit the fraud forms, our card services department will provide you with provisional credit within 10 business days.
Additional fraud tips:
- Be careful using your debit card at gas pumps, vending machines and in isolated locations since there is a greater likelihood of “skimmers” that steal your card information. Also, use caution when entering in your card information online, especially within unfamiliar websites.
- Set up balance change/transaction alerts through digital banking. This will allow you to act more quickly and prevent further losses.
Our mailing address is: PO BOX 47989, Tampa, FL 33646-0117
Our main, Fletcher Branch is located at 7037 E. Fletcher Ave. Temple Terrace, FL 33617.
Our Member Service Contact Center is open from 8am – 6pm M-F and 9am – 1pm on Saturdays. Branch hours vary by location. To view branch locations and hours, click here.