Overview
Checking overview As a member in good standing, you can take advantage of various types of checking accounts. You'll find ours superior to most regular checking accounts because they feature:
. automatic overdraft protection from your savings, pre-approved line-of-credit, or SFCU Visa
. automatic transfers to loan or share accounts
. carbonless copies of each check you write
. daily dividends (paid monthly with minimum balance requirement)
. direct deposit of your paycheck(s)
. electronic statements
. immediate image copies
. monthly statements
. online check reorders
. pre-authorized drafts for mortgage, insurance, and other recurring payments
. 24-hour-a-day transfers to loan and share accounts by phone or online Along with the other online services we offer, the Home Banking area of our website gives you a wide array of services and up-to-date account information like:
. check history
. check images
. check status
. check stop payment
. check withdrawal When you combine all the features of our checking accounts and website, you'll find you have a powerful financial tool at your fingertips.
Overdraft protection
With our overdraft protection, you know you're covered. After you open an SFCU Cash & Check Card Checking, Debit Rewards ScoreCardTM Checking, Business Checking, or Share Draft Checking account, you just designate other accounts (like your savings, Visa or line-of-credit) to cover any NSF (non-sufficient funds) checks.
Once in place, the protection is always there and will help you save on credit union NSF fees and merchants returned check fees. We like to think of it as a little bit of automatic peace of mind. Courtesy Pay Courtesy Pay saves you from the embarrassment of returned checks, saves you from merchant returned check charges and saves you collection agency fees and protects your credit rating.
We understand. It happens to all of us. You make an honest mistake in your checkbook and it leaves you a little short to cover all your outstanding checks. That is why Spokane Federal Credit Union offers Courtesy Pay, an added member service that protects your checking account when an accidental overdraft occurs. We require no applications or additional signatures. We are happy to review Courtesy Pay and its features with you, along with giving you other options to add convenience and ease to your account. Just give us a call. Pick your PIN You're the boss, so from now on, you get to pick your PIN. Just come on down to the main office or our north branch and ask to see Member Services. You'll enter a PIN of your choice into a press pad, and you're all set. It's that easy! And it's free!
If we might offer a couple of suggestions: steer clear of birthdays, phone numbers, street addresses, and other personal information. They're too easy for the bad guys to guess. |
