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Bounce-proofing your account

  • Remember your share savings account can serve as overdraft protection.
  • A preapproved CU line of credit ensures that your transactions are error proof.
  • Use our online system or phone system to keep track of how much money you have in your account.
  • Record your transactions, ATM withdrawals and fees, debit card purchases, and online payments in a ledger.
  • Don't forget about automatic bill payments you may have set up for utilities, insurance, or loan payments.
  • Keep an eye on your account balance.
  • Easily review your account statements each month (eStatements).

The credit union is not responsible for contacting members when they are in danger of overdrawing their account.

In the past, credit union staff has made courtesy phone calls when a mistake leads to insufficient available funds to clear a share draft, ACH, or other electronic withdrawal, and on the manual transfers made by FRB FCU staff when the available amount in overdraft protection sources is below the automatic transfer amount.

While we will do our best to assist members as a courtesy, these types of services cannot be guaranteed.

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