!!!!! IMPORTANT OVERDRAFT SERVICE IMFORMATION !!!!!
Due to recent changes in Regulation E, we are making an important change to your Overdraft Protection service.
An Overdraft occurs when you do not have enough money in your account to cover a transaction but the credit union pays it anyway. This service saves you the embarrassment and inconvenience of a returned item, a returned item fee, as well as a fee normally charged by the merchant.
Beginning August 15, 2010, you must ask us to “OPT-IN’ to continue receiving Overdraft Protection for ATM and DEBIT Card Transactions. Without this consent, we will decline to pay ATM and everyday DEBIT CARD transactions that overdraft your account. There is no fee if we decline the transactions. If you do not “OPT-IN”, we will turn your ATM and DEBIT CARD overdraft protection off on August 15, 2010.
We charge a $25.00 for every overdraft we pay on an account and effective August 15, 2010, we will not authorize and pay overdrafts for the following transactions unless you have signed the “OPT-IN” form:
ATM Transactions
Everyday DEBIT CARD transactions
We pay overdrafts at our discretion, which means we DO NOT GUARANTEE that we will alway authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. Come in or call a member of our staff for more information and receive the “OPT-IN” form to sign.
Overdraft Protection is simply a way for us to provide a higher level of service when an inadvertant error may cause an overdraft. If you do not “OPT-IN”, you will automatically be on “OPT-OUT” status.
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“IT’S ALL ABOUT YOU”
AT CAPITAL AREA FEDERAL CREDIT UNION
Do you have a loan at another financial institution? Do you want to lower your rate or even your monthly payment? At Capital Area Federal Credit Union we have several loan programs that may help. We currently offer a 2% APR Buy Down Program that you help you save some money both on the rate and your monthly payment.
We are also offering our Dealer Match Program, so take the discounts and the rebates but finance at the credit union.
We even have that special loan for that recreational vehicle you have been wanting to buy…See Deb or Shauna for details.
For those of you that may just be starting out or may have had some difficulty with your finances, we have a program for you as well. Our 50/50 loan will help you borrow and save at the same time. See Deb or Shauna for details.
Don’t know what is on your credit report? Well we can help with that as well, we will pull your credit report for free, review with you so that you understand it and potentially help you better your score and save you some money. See Deb and Shauna and they will be happy to help you.
We have loans for all reasons, no loan to small and if it will help our better with their financial well being we will do our best to get you on the right track.
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HOLIDAYS AND SPECIAL EVENTS
August 1, 2010 Deb Crabtree celebrates her 5 year Anniversary with Capital Area FCU
August 6, 2010 Shauna Magee celebrates her 10 year Anniversary with Capital Area FCU
Closed September 6, 2010/Labor Day
Closed October 11, 2010/Columbus Day
NOTICE: Capital Area Federal Credit Union is not responsible for, and has no control over, the subject matter, content, information, or graphics of the websites linked on this site. Please contact us with any concerns or comments.
