Effective January 1st, 2017, your CSDCU debit card will allow you real-time access to your current Overdraft Coverage. If the funds in your checking account are not sufficient to cover a transaction, any available overdraft protection may be used to authorize and pay a transaction. CSD Credit Union will not authorize your debit card and ATM transactions unless there are available funds (including Overdraft Coverage) to cover the transactions and any fee(s).
With this option, funds may be transferred from a connected account to allow approval of debit card transactions even if funds are unavailable in your checking account. So if you are using your card as a credit at a store, and you do not have sufficient funds in your checking account, your transaction would be approved if you have funds in your connected primary savings account. If funds are not available in your primary savings account, a transaction would be approved if you have limit available on an attached line of credit. Please note that overdraft lines of credit are subject to credit approval.
If you choose Extended Overdraft Privilege Coverage, ATM withdrawals and everyday debit card transactions will be
included with the Standard Overdraft Coverage transactions listed above. Please click here for more information on Overdraft Privilege Coverage.
WHAT WOULD YOU SPEND $100 ON?
Certainly not a checking account. If your financial institution charges you monthly
service fees, online banking fees, online billpay fees, statement fees, or high out of
network ATM fees, you could be spending $100 or more each year!
With our FREE Checking Accounts, you can take advantage of:
No Minimum Balance No Monthly Service Fee No Mobile Banking Fee
No Debit Card Fee No Internet Banking Fee No Online Billpay Fee
Access your account at over 33,000 Surcharge-FREE ATMs through the CO-OP Network.
Make deposits, withdrawals and loan payments at one of our 5,500 Shared Branching locations.
Say Goodbye to a fee Checking Account and Hello to a CSDCU FREE Checking Account.
|CSDCU does not have a fee when you say "credit" instead of "debit" when using your CSDCU debit card. Money will still be deducted from your checking even if you say "credit".
Use your CSDCU debit card with your pin # up to 5 times monthly at CO-OP ATMs or at stores with no fee.
Federally Insured by the NCUA