Frequently Asked Questions
Quickly and easily find answers to the most common questions we get asked.
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.
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.
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.
Prior to contacting our credit union, you must reach out to the merchant to see if they are willing to assist you or provide a refund. If the merchant is unwilling to help or suggests that you dispute the charge with your financial institution, please contact us and we will be able to assist you further. If it is more convenient, you may also stop by any of our branch locations or dispute the transaction through digital banking.
For your initial check order, please contact us by phone. Once you have previously ordered checks, they can be reordered through the full online banking system if no information has changed. If you have had a change in your name, address, or account information, please call us to reorder your checks. If this does not apply, you may log into digital banking, select the Check Services option, and choose Reorder Checks.
You may initiate a stop payment through the full online banking system. Once you have logged in, click on the More option, followed by the Check Services option, and then select Stop Payment. Next, click the New Stop Pay Request button. When you click on this button, you will be prompted to select an account, enter the check number, check date and amount. You also have the option to search for the check. The check will not be stopped until you check the I Agree box and click the Submit Request button. You may also visit a branch or call us to request a stop payment. There is $29 fee to stop a check payment.
To stop an ACH (automatic withdrawal), we ask that you try to contact the merchant to initiate the cancellation. If you have any questions, please contact us by phone.