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Checking Accounts (Share Drafts)
The credit union account does everything a bank
checking account does and more. There is no charge
for checking if you maintain a $100.00 balance
during the month. Should your balance drop below
that figure a $5 service fee is charged. There is
no per item charge, write as many checks as you
wish.
Listed
below are some additional services included with
your checking account.
- Visa Check Card (DEBIT CARD)
- Automatic Deposit
- Automatic Debits
- Overdraft Protection to transfer from accounts to cover
checks
- Touch Tone Teller
- Wire Transfer
- Main office Drive-Up open till 7:00 PM Fridays
Visa Check Cards (DEBIT CARD)
The
no-charge check card is a paperless check that
debits your checking account. Use your Visa Check
Card instead of writing a check wherever the Visa,
Exchange, Cirrus or Accel logos are
displayed.
You can
use it when buying groceries, dining out, shopping
at the mall, filling up with gas, or ordering
merchandise over the phone. You may also receive
cash at automatic teller machines (ATM's). Note:
most ATM's located at banks will charge a fee.
To avoid this you can get cash back at most
grocery stores at no cost.
Using
the Visa Check Card is quick and easy. Simply
present the card at the checkout counter instead of
writing a check. You'll get a receipt to remind you
to enter the purchase in your checkbook register.
It's that simple.
Your
Visa Check Card will allow you access to any
business which display's the Visa logo anywhere in
the world and the money is taken out of your
checking account at KCFCU.
Touch Tone Teller
To
conveniently serve you, we provide our members
24-hour-a-day, seven-day-a-week account access with
our Touch Tone Teller (TTT) Service.
- Saves
Time - Why drive to and from the CU when you
can check savings and/checking balances, make
check clearing inquiries or transfer funds? You
can do all this from your Touch-Tone phone with
TTT.
- Increase
Efficiency - Transactions are made according
to your schedule. You can call at your
convenience rather than interrupting your busy
schedule.>
- Saves
Money - Worried about overdrafts? Want to
see if that big check has cleared yet? Has your
Payroll Deduction transaction cleared? You can
do all this on your time and save money on
overdraft fees.
- Helps
with Budgeting - Good money management is
staying in touch with your finances. You can get
up-to-the-minute account balances, which in turn
allows you to make the necessary transfer to
ensure a positive balance in your
account.
- Ensures
Privacy - With TTT, your finances are
confidential. To access your accounts you enter
your personal identification number (PIN).
Whatever business you conduct is between you and
the TTT. No one else knows what you're
doing.
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