First Credit Union remains financially strong! With the news of recent bank failures, we want to take this opportunity to reassure our members of our current stability and continued optimism of our collective financial future. We’re proud to serve our members while making a positive contribution to the local economy.
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An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
This notice explains our standard overdraft practices.
We do authorize and pay overdrafts for the following types of transactions:
We will not authorize and pay overdrafts for the following types of transactions without your consent.
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.
If we do not authorize and pay an overdraft, your transaction will be declined.
Under our standard overdraft practices:
If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions:
You can revoke your authorization for First Credit Union to pay these overdrafts at any time by any of the above methods. Your revocation must include both your name and your account number so that we can properly identify your account.
THIS CREDIT UNION IS FEDERALLY INSURED BY THE NATIONAL CREDIT UNION ADMINISTRATION.
Routing Number: 322172742
Call Us 24/7 (480) 756-5500