Checking Account Questions

  1. When is the fee posted to my Interest Checking account?
  2. If the balance in my Interest Checking account drops below $400 for one day only, am I still charged the $4 fee?
  3. I received a Savers Club book last year through my SelectChecking account, but have not received one this year. When will I get it?
  4. What are the major differences between your three checking accounts?
  5. Will my Visa Check card work overseas?
  6. What should I do if my checkbook is stolen after business hours?
  7. How can I get copies of my canceled checks, and what is the charge for this service?
  8. Is there a way I can cover funds, in case I write a check and there's not enough money in my account to cover it?
  9. Why do I have to have a savings account? All I want is checking.
     

When is the fee posted to my Interest Checking account?

It is posted at the end of the business day on the last day of the month. 

If the balance in my Interest Checking account drops below $400 for one day only, am I still charged the $4 fee?

Yes.  You will be charged the $4 fee for that month if the balance drops below $400 for any length of time during that month, even if it's just for a day. If the fee drops below $400 for more than one day, the fee is still $4 for the month.

I received a Savers Club book last year through my SelectChecking account, but have not received one this year. When will I get it?

The Savers Club book is not automatically mailed out each year.  In order to receive a book for the following year, members must complete and mail the order card which is the first page of the Savers Club book.  New books that have been ordered are usually sent out at the beginning of January.

What are the major differences between your three checking accounts?

The major differences have to do with interest paid and maintenance fees. Basic Checking does not pay interest and there is no monthly maintenance fee. Interest Checking pays a tiered rate based on your balance and there is a $4 monthly fee if the balance drops below $400 at any time during the month. SelectChecking also pays a tiered rate of interest. There is a flat $5 monthly fee for SelectChecking that entitles you to additional benefits not available with Interest Checking or Basic Checking, such as a savers club book and travel discounts.

Will my Visa Check card work overseas?

Outside of the United States, the Visa Check card only works in ATM machines displaying the Visa logo. It can be used for purchases at millions of merchant locations worldwide where Visa debit cards are accepted. If you only have a savings account, you can use the CU24 ATM card  in any machine worldwide displaying the PLUS network logo. So, if you're planning a trip overseas, take a Visa check card or the CU24 ATM card with you for maximum convenience.

What should I do if my checkbook is stolen after business hours?

Leave us a voice mail message or come to one of our offices the next day to report the loss. Call 800-968-8628 or 734-662-8200 to reach the Member Service Phone Center. Leave your name, account number, your phone number and the best time to reach you.

How can I get copies of my canceled checks, and what is the charge for this service?

Check copies are $2.00 a piece and can be requested by calling the Member Service Phone Center at 800-968-8628 or 734-662-8200.  Members who have signed up for our MemberNet® online banking service can obtain free check copies directly from their computer.  If you have trouble accessing your check images online please contact the Member Service Phone Center for assistance.

Is there a way I can cover funds, in case I write a check and there's not enough money in my account to cover it?

You may choose overdraft protection from your savings account (a $2 fee) or overdraft protection from your Visa Classic or Visa Platinum account (no charge). We also offer an Overdraft Protection Loan which is available upon approval on all our checking accounts.

Why do I have to have a savings account? All I want is checking.

The Share Savings is an individual's membership account. This account is required and once open, members can apply for and use all other credit union products and services.

 
NCUAYour savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government
National Credit Union Administration, a U.S. Government Agency
Equal Housing Lender We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.