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ElecTel Cooperative Federal Credit Union
Checking Accounts
Overdraft Privilege

When there's not quite enough in your checking account...

At times, a mistake, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to non-sufficient funds (NSFs) can be an embarrassing and humiliating experience.
 
ElecTel Cooperative FCU encourages you to manage your accounts responsibly and we do not encourage "overdrafts" or NSFs that would take your account into the negative. However, we want to help you avoid the embarrassment, additional merchant fees, or damage to your credit history that could result if a check is returned.
 
That's why we are providing Overdraft Privilege, a special overdraft (NSF) product for your ElecTel Cooperative FCU Checking Account. This is a non-contractual courtesy, and normal NSF fees do apply. Overdraft Privilege will be offered up to an amount of $500 to members in good standing. This service will only apply after we have attempted to draft (to cover your check) from your share account, any other linked share accounts, and your overdraft line-of-credit.

For more information on Overdraft Privilege, or if you would like to opt out of this service, please call a Member Service Representative at 1-800-849-5600 or email us at memberservices@electelfcu.coop.




 
PRIVACY POLICY
Main Office: PO Box 27306, Raleigh, NC 27611
919-872-2395 | 800-849-5600 | fax: 919-876-8018