Checking

Overdraft Protection

Overdraft protection is a line of credit that covers checks that overdraw accounts for FedFinancial FCU .

• Overdraft protection gives you to cash immediately when need it – reduce stress of managing cash when an unusual or expense wipes out your funds.
• The line of credit also be used for _ vacation, bill consolidation and !
• Low rates make this affordable money management tool.

FedFinancial FCU strongly recommends all checking account holders for this product instead using Overdraft Privilege.

Overdraft Privilege

Automatic overdraft privilege is to FedFinancial FCU members good standing* who have _ checking account. Should you ____________ exceed the balance in   account, overdraft privilege can:

• Protect your credit rating save you the embarrassment cost associated with a check
• Automatic coverage, $500 limit account
• No enrollment, applications, or signatures required
• Only $35 non-sufficient funds per item overdrawn
• Automatic overdraft notification
• To remove this protection your share draft account,  (315)-572-4448 or  email us . To opt out overdraft coverage of checks automatic bill payments, we require you to sign return a form by .

Overdraft Privilege normally covers:

• Checks and other transactions your checking account number
• Automatic bill payments

You have the option also authorizing FedFinancial to pay on:

• ATM transactions
• Everyday debit card transactions

We pay overdrafts at discretion, and do not that we will always and pay any type transaction.

Overdraft privilege is not on money market accounts.

Funds Availability Policy Disclosure

*You are a member good standing if you had an account with ____________ for at least 90 , make regular deposits to account, and bring your back to a positive at least once every 30 days. New active checking holders are eligible 90 after account is opened.

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