Optional Overdraft Protection Plans. We offer optional overdraft protection plans that you may apply for, such as a personal Line of Credit loan account where your line of credit is used for overdraft protection, and an Overdraft Transfer Service where funds from a linked account are used for overdraft protection. If you apply and qualify for these optional services, we will look first to these services for overdraft protection before applying our discretionary Courtesy Pay Program when your account is overdrawn. A Line of Credit and the Overdraft Protection plan may save you money on the total fees you pay us for overdraft protection, when compared to the costs of the Courtesy Pay Program. • Line of Credit. This is a revolving line of credit, which is available to members meeting certain credit requirements. With this plan, you authorize us to automatically advance the exact amount of your overdraft from your Line of Credit (linked to your checking account) to cover your overdraft, up to your credit limit. You must repay what you have borrowed in full or in minimum monthly payments (in addition to any late charges, finance charges and annual fees). You authorize us to deduct the minimum monthly payment from the linked checking account. If you apply for the Line of Credit, you will be provided with our Line of Credit Agreement, which contains the terms and conditions applicable to the Line of Credit. • Overdraft Transfer Service. With this service, you authorize us to make transfers of available funds automatically from your designated “linked” account to cover overdrafts in your checking account. You can designate your choice of “linked” account(s) below. Transfers from your designated linked account are made in the exact amount of the overdraft. You must request to enroll in this service. Each transfer is subject to an Overdraft Transfer Fee, as set forth in your Schedule of Fees and Charges. If you decline to utilize any of the optional overdraft protection plans and you are not eligible for our Courtesy Pay Program, and there are insufficient funds in your checking account to pay an item, your items will not be paid, they will be returned, and an NSF Fee will be charged for each item returned. Transfers will appear on your periodic statements for each applicable account.
Optional Overdraft Protection Plans. As discussed in more detail above, we also offer optional overdraft protection plans, such as a link to a savings account or a personal line of credit account, which may be less expensive than our Courtesy Pay Service. To learn more, please ask us about these plans.
Optional Overdraft Protection Plans. We offer optional overdraft protection plans that you may apply for, such as a personal Line of Credit loan account where your line of credit is used for overdraft protection and an Overdraft Transfer Service where funds from a linked savings account are used for overdraft protection. If you qualify for these optional services, we will look first to these services for overdraft protection before applying our discretionary Courtesy Pay Service when your account is overdrawn. A line of Credit and the Overdraft Protection Request plan may save you money on the total fees you pay us for overdraft protection.
Optional Overdraft Protection Plans. As discussed in more detail above, we also offer the optional Overdraft Protection Service which links your checking account to a savings account, as well as other overdraft sources and may be less expensive than Courtesy Pay. To learn more, please ask us about these plans. THE BEST WAY TO KNOW HOW MUCH MONEY YOU HAVE AND AVOID PAYING OVERDRAFT FEES IS TO RECORD AND TRACK ALL OF YOUR TRANSACTIONS CLOSELY. PLEASE REVIEW THIS INFORMATION CAREFULLY. IF YOU HAVE ANY QUESTIONS, PLEASE CONTACT US AT 000-000-0000 OR VISIT ANY BRANCH.
Optional Overdraft Protection Plans. You understand that you can authorize us to link your Visa Debit Card to an overdraft protection source, including, but not limited to, a savings account, to fund any overdrafts on your checking account. Refer to our Checking Account Overdraft Agreement for additional information regarding Optional Overdraft Protection Plans.
Optional Overdraft Protection Plans. 5. We offer optional overdraft protection plans that you may apply for, such as a Personal Line of Credit loan account where your line of credit is used for overdraft protection, and an Overdraft Protection Service where funds from a linked Savings or other Share Account are used for overdraft protection. If you qualify for these optional services we will look first to see if you have been approved or asked us to establish these services prior to returning items due to NSF.
Optional Overdraft Protection Plans. 7. We offer optional Overdraft Protection plans that you may apply for, such as a line of credit loan account where your line of credit is used for overdraft protection, and an Overdraft Protection service where funds from a linked savings account (such as Savings or Money Market/High Yield Savings) are used for overdraft protection. If you qualify for these optional services, we will look first to these services for overdraft protection before applying our discretionary Courtesy Pay Service when your account is overdrawn. The Overdraft Protection service may save you money on the total fees you pay us for covering your overdraft transactions. To learn more, please ask us about these plans. • Overdraft Protection Transfer from Personal Line of Credit: This is a revolving line of credit, which is available to members meeting certain credit requirements. With this plan, you authorize us to automatically advance $100 to cover your overdraft from your line of credit (linked to your checking account) to cover your overdraft, up to your credit limit. You must repay what you have borrowed in full or in minimum monthly payments (in addition to any late charges, finance charges and annual fees). If you are approved for a line of credit, you will be provided with separate terms and conditions applicable to the loan.
Optional Overdraft Protection Plans. As discussed in more detail above, we also offer optional overdraft protection plans, such as a link to a savings account or a Line of Credit account, which may be less expensive than our Courtesy Pay Service. To learn more, please ask us about these plans. The best way to know how much money you have and avoid paying overdraft fees is to record and track all of your transactions closely. IF YOU DO NOT UNDERSTAND ANY PROVISION IN THIS SECTION, YOUR LIABILITY FOR OVERDRAFTS, OR IF YOU HAVE ANY QUESTIONS, PLEASE CONTACT US DURING BUSINESS HOURS. CONTACT US 000-000-0000 Monday & Tuesday 9:00 – 4:30pm Wednesday 10:00 – 4:30pm Thursday & Friday 8:00 – 5:00pm WEBSITE xxx.xxxxx.xxx STAT LINE (Audio Response) 844-IS-AHFCU 000-000-0000 MAILING ADDRESS P.O. Box 93124 Long Beach, CA 90809-3124 ATM LOCATIONS Visit our website for a list of AHFCU and CO-OP Network ATMs Equal Housing Lender Federally Insured by NCUA
Optional Overdraft Protection Plans ou understand that you can authorize us to link your LAPFCU Debit Card to an overdraft protection source, including, but not limited to, a savings account, to fund any overdrafts on your checking account. Refer to the section entitled “Optional Overdraft Protection Plans” in Part III of this Agreement for additional information regarding Optional Overdraft Protection Plans.
Optional Overdraft Protection Plans. As discussed in more detail above, we also offer the optional Overdraft Transfer Protection Service which links your checking account to a savings account, as well as other overdraft sources and may be less expensive than Courtesy Pay. To learn more, please ask us about these plans. THE BEST WAY TO KNOW HOW MUCH MONEY YOU HAVE AND AVOID PAYING OVERDRAFT FEES IS TO RECORD AND TRACK ALL OF YOUR TRANSACTIONS CLOSELY. ANOTHER OPTION TO AVOID PAYING OVERDRAFT FEES IS TO HAVE YOUR ACCOUNT LINKED TO OTHER DEPOSIT ACCOUNTS OR A LINE OF CREDIT. PLEASE REVIEW THIS INFORMATION CAREFULLY. IF YOU HAVE ANY QUESTIONS, PLEASE CONTACT US AT (000) 000-0000 OR (000) 000-0000 OR VISIT YOUR LOCAL BRANCH.
