~ Sidney Federal Credit Union ~
Dedicated to superior service, anytime, anywhere!

Access your account, anytime, anywhere!

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SHARE DRAFT CHECKING ACCOUNT

You won't have to worry about monthly fees, costly service charges or minimum balance requirements.  Enjoy a checking account that actually saves you money.

~ BENEFITS ~

No minimum balance requirement No monthly service charges Overdraft Protection:     Line of Credit     Share to Share Transfer Monthly Statements Duplicate check packages for simplified record keeping Access your account through SFCU's automated services:     ART (Audio Response Teller Line)     ATM (Automatic Teller Machine)     CU-Online (Home Financial Network)     On-line Check Reorder Express Free checks with direct deposit of Social Security or Pension for members who are 50 years or older and retired

OVERDRAFT PROTECTION

Line of Credit:

Have you ever needed a little extra money for something special?  With an overdraft line of credit you can write yourself a loan by simply writing one of your own checks.  If you've ever made an error in your checkbook, you'll appreciate this service.  You won't have  to worry about overdrawing your checking account.  You won't have to pay expensive returned item fees because of returned checks or returned pre-authorized debits.  SFCU offers members up to $3,000.00 in Overdraft Protection Line of Credit. (Subject to loan approval.)

Share to Share Transfer:

Have you ever written a check and realized you forgot to transfer money into your checking account to cover that check?  Instead of a check "bouncing" and a $20.00 fee assessed when your account falls short, the funds will be automatically transferred from your main share or money management to your checking account.  SFCU will automatically transfer funds from your share account to cover the check(s) in increments of $100.00.  You have the option to complete a request for additional share accounts to be used for this protection (i.e. vacation club or tax club.)  These transfers are counted toward the Regulated D limitations of 6 transfers per month.  A nominal fee will be charged for each share to share transfer. Ask us to enroll you!

QUESTIONS AND ANSWERS

How do I pay for the checks I order?

At the time the checking account is opened you will need to make an initial deposit, which must include the price of the checks being ordered.  Once the check order is placed the price of the checks will automatically be deducted from your checking account.

What if I need a copy of a check?

When paid, checks become the property of the credit union and will not be returned.  Simply visit any office with information about a particular check or series of checks.  A nominal fee will be charged for each copy requested.  We also offer the CU-Online service that will enable you to retrieve a copy of a check paid on your account by using your home computer at no charge to you.

What if I need to put a stop payment on a check?

Simply visit any office with information about a particular check or series of checks and sign a stop payment form.  You may also make a telephone request for stop payments.  A written confirmation of the verbal request must be received by SFCU within 14 calendar days.  Our CU-Online service also allows you to place a stop payment.  A modest fee will be charged for all stop payments on checks.

Is there a way to keep track of my deposits, withdrawals and checks that have cleared without having to wait for my monthly statement?

Yes, you can sign up for SFCU's ART (Automated Response Teller Line) service or SFCU's CU-Online (Home Financial Network) and check your account in the privacy of your own home.  With these great services you'll actually be able to balance your checking account without the wait!

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