Member Frequently Asked Questions

USF FCU is proud to offer a truly free checking account. There are no monthly maintenance, debit card usage 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 current fee schedule.

Holds are placed on deposited checks in order to verify the funds are collectible. This protects the member and the credit union from potential fraud and loss. Our general policy is to make funds from check deposits available to you on the first business day after the day of the deposit.  Depending on the type and amount of check you deposit, in addition to how you deposit the check, longer holds may apply.  In that case, the first $200 of your deposits may be made available on the first business day.  Examples of when longer holds may apply include:

• Checks deposited at a foreign (non-USF FCU) ATM
• Checks deposited via mobile deposit
• Checks totaling more than $5,000 in any one day
• Checks deposited within the first 30 days of account opening
• Foreign checks drawn on a financial institution located outside the US
• If we have reason to doubt the collectability of the check

 Please refer to our Universal Account Agreement for full details.

To report your ATM or debit card lost or stolen, please call 888-241-2510 or come into your nearest USF FCU branch for an instant replacement.

Your first debit card with a new checking account is complimentary. Please review our current Schedule of Fees for card replacement fees.

We offer standard overdraft practices (Convenience Pay) for eligible members. With Convenience Pay, we may authorize and cover insufficient funds transactions, instead of returning the item, for a fee per covered transaction. Convenience Pay Plus will extend overdraft coverage to ATM and everyday debit card transactions. You must opt-in for Convenience Pay Plus coverage. Learn more at usffcu.org/convenience-pay-faqs

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.