Services - Member Privilege

Member Privilege

A new regulation required us to make some changes to services on your account. Effective August 15, 2010 everyday debit card purchases and ATM transactions are no longer covered by your Member Privilege service. If you do not have enough money in your account or the funds are not yet available, your card transaction will be denied.

Opt-In TodayIf you want to continue to have this valuable safety net in case of an emergency, you must let us know you want this service or you will lose this flexibility.

Please take the time to consider the ways you use your account and debit card and make the choice that is right for you and your family.

Member Privilege is a convenient service that provides you and your family with financial flexibility in times when you may not have sufficient funds in your account.

Examples of everyday debit card purchases are:

pin Department Stores pin Online Purchases
pin Book Stores pin Restaurants
pin Gas Stations pin Dry Cleaner
pin Anytime you use your debit card for a one-time transaction

The choice is always yours. We are here to answer your questions...TALK TO US!

* The effective date of the change is August 15, 2010 for accounts opened before July 1, 2010. For accounts opened after July 1, 2010 the effective date of the change is July 1, 2010. Beginning August 15, 2010, we will not authorize and pay overdrafts on ATM and everyday debit card transactions without account holder consent. An overdraft (OD) fee or insufficient funds (NSF) fee of $28.00 will be charged for covering overdrafts that result in a negative balance. Overdrafts may be created by check, ACH, online banking transaction, phone transactions or other electronic means. Recurring debit card transactions (payments that are set up to bill and pay automatically), such as an automatic draft from your health club or insurance company, may continue to be covered by your overdraft service. Once an overdraft has occurred you are required to bring your account to a positive balance within 30 days. We reserve the right not to pay if your account is not in good standing. Contact us if you have questions.

 
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