ACTION REQUIRED TO PROTECT YOUR ATM/DEBIT CARD ACTIVITY

OPT IN for continued Courtesy Pay Protection of your ATM and Debit card activity!
Effective July 1, 2010, HCCU can protect you ONLY if you OPT IN. (Federal Reserve regulations have changed our ability to protect you unless you Opt In)

 

  1. What you need to know about overdrafts and overdraft fees?

  2. What are the standard courtesy pay practices that come with my account?

  3. What fees will I be charged if Healthcare Community Credit Union pays my overdraft?

  4. What do I need to do to OPT IN for continued Courtesy Pay Protection?

 

 

 

 

 

 

1.

What you need to know about overdrafts and overdraft fees?

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:
  1. We have standard courtesy pay practices that come with your account.
  2. We also offer courtesy pay protection plans, such as transferring from a savings account or overdraft line of credit if funds are not available. To learn more, ask us about these plans. This notice explains our standard courtesy pay practices.

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2.

What are the standard courtesy pay practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:
  • Checks and other transactions made using your checking account number
  • Automatic bill payments
We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):
  • ATM transaction
  • Everyday debit card transactions
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.
If you have excessive overdrafts, we reserve the right to rescind access with your debit card.

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3.

What fees will I be charged if Healthcare Community Credit Union pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee of up to $30.00 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account.

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4.

What do I need to do to OPT IN for continued Courtesy Pay Protection?

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call 816-276-9401, click log in to opt in, or complete the opt-in form and return it to the address below.

Return forms to:
Healthcare Community Credit Union
2316 E Meyer Blvd
Kansas City, MO 64132

OPT IN Form     Or     Login to OPT IN


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