{"id":2354,"date":"2020-11-16T09:14:25","date_gmt":"2020-11-16T15:14:25","guid":{"rendered":"https:\/\/osoreviews.com\/tscu\/?page_id=2354"},"modified":"2023-02-13T08:47:06","modified_gmt":"2023-02-13T14:47:06","slug":"checking","status":"publish","type":"page","link":"https:\/\/clientweb.dev\/tscu\/checking\/","title":{"rendered":"Checking"},"content":{"rendered":"<div id=\"checking\" class=\"fusion-container-anchor\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-margin-top:0%;--awb-background-color:#ffffff;--awb-background-image:linear-gradient(0deg, #f4f4f4 0%,rgba(255,255,255,0) 3%);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-end fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1352px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_2_3 2_3 fusion-flex-column fusion-flex-align-self-flex-start\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:60px;margin-bottom:20px;width:100%;\"><\/div><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;--awb-font-size:60px;\"><h1 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:60;line-height:1.1;\">Checking Accounts<\/h1><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:15px;width:100%;\"><\/div><div class=\"fusion-text fusion-text-1\"><p style=\"text-align: left;\">At True Sky Federal Credit Union we offer a variety of checking accounts to suit your lifestyle and we strive to make it easy for you to find the perfect option to meet your needs. Whether you&#8217;re looking for a high-interest rate checking account or one that&#8217;s geared for being on the go, we have you covered. Also, you can add a personalized touch from a choice of a variety of <a href=\"\/\/trueskycu.org\/wp-content\/uploads\/2022\/07\/071822_Available-Card-Designs.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">debit card options<\/a> including our <a href=\"https:\/\/clientweb.dev\/tscu\/community-card\/\">Community Cards<\/a> \u2014created as a way to show support for our members&#8217; favorite Churches, Schools or Nonprofits\u2014or from one of our standard debit card designs. For those who are 62+ we offer even more perks with our Top Brass feature, which can be added to any of our existing checking accounts. Opening a checking account is easy with our online application!<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_3 1_3 fusion-flex-column fusion-flex-align-self-flex-start fusion-no-small-visibility\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:30px;margin-bottom:20px;width:100%;\"><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:50px;margin-bottom:5px;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#20c4f4;border-color:#20c4f4;border-top-width:1px;\"><\/div><\/div><div class=\"fusion-text fusion-text-2\"><h4 style=\"text-align: right;\"><a href=\"#overdraftjump\" rel=\"noopener noreferrer\">Overdraft Protection<\/a><\/h4>\n<h4 style=\"text-align: right;\"><a href=\"https:\/\/reorder.libertysite.com\/default.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Reorder Checks<\/a><\/h4>\n<h4 style=\"text-align: right;\"><a href=\"https:\/\/clientweb.dev\/tscu\/locations\/\">True Sky Federal CU Locations<\/a><\/h4>\n<h4 style=\"text-align: right;\"><a href=\"http:\/\/www.co-opsharedbranch.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">Find a Shared Service Center<\/a><\/h4>\n<h4 style=\"text-align: right;\"><a href=\"https:\/\/co-opcreditunions.org\/locator\/?ref=co-opatm.org&amp;sc=1\" target=\"_blank\" rel=\"noreferrer noopener\">Find a Fee-Free ATM<\/a><\/h4>\n<h4 style=\"text-align: right;\"><a href=\"https:\/\/clientweb.dev\/tscu\/wp-content\/uploads\/2022\/07\/071822_Available-Card-Designs.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Debit Card Design Options<\/a><\/h4>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-animated\" style=\"--awb-padding-bottom:39px;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:22px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-animationType=\"fadeInDown\" data-animationDuration=\"0.9\" data-animationOffset=\"top-into-view\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-3 fusion-columns-total-3 fusion-content-boxes-1 content-boxes-icon-on-top content-left\" style=\"--awb-backgroundcolor:rgba(249,249,249,0.9);--awb-hover-accent-color:#1c3d6e;--awb-circle-hover-accent-color:#1c3d6e;\" data-animationOffset=\"top-into-view\"><div style=\"--awb-backgroundcolor:#ffffff;\" class=\"fusion-column content-box-column content-box-column content-box-column-1 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover content-box-column-first-in-row\"><div class=\"col content-box-wrapper content-wrapper-background link-area-link-icon icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><div aria-hidden=\"true\" class=\"image\"><img decoding=\"async\" src=\"https:\/\/clientweb.dev\/tscu\/wp-content\/uploads\/2020\/09\/Optimum-Checking-tsp124.png\" width=\"316\" height=\"124\" alt=\"Optimum Checking\" \/><\/div><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p style=\"text-align: left;\">Earn monthly dividends and get ATM fees refunded by meeting\u00a0a few requirements.<\/p>\n<ul style=\"text-align: left;\">\n<li>Premium interest rate<\/li>\n<li>Up to $10 in ATM fee refunds per month<\/li>\n<li>Free E-statements, remote deposit, and mobile banking<\/li>\n<\/ul>\n<p style=\"text-align: left;\"><strong>Earning benefits is easy:<\/strong><\/p>\n<ul style=\"text-align: left;\">\n<li>Subscribe to e-statements<\/li>\n<li>Log in to online banking at least once per month<\/li>\n<li>Conduct 20 debit transactions per month (excluding ATM transactions)<\/li>\n<li>Maintain one direct deposit per month<\/li>\n<li>Be current on all True Sky Federal Credit Union loans and obligations<\/li>\n<\/ul>\n<p style=\"text-align: left;\">Visit any <a href=\"https:\/\/clientweb.dev\/tscu\/locations\/\">branch<\/a> to open your account today or apply online.<\/p>\n<div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:35px;width:100%;\"><\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:0px;--awb-icon-size:13px;--awb-content-font-size:16px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#e0dede;--awb-divider-hover-color:#e0dede;--awb-icon-color:#ffffff;--awb-title-color:#20c4f4;--awb-content-color:#1c3d6e;--awb-icon-box-color:#20c4f4;--awb-toggle-hover-accent-color:#1c3d6e;--awb-title-font-family:&quot;Inter&quot;;--awb-title-font-weight:300;--awb-title-font-style:normal;--awb-content-font-family:&quot;Inter&quot;;--awb-content-font-style:normal;--awb-content-font-weight:300;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-2354-1\"><div class=\"fusion-panel panel-default panel-85ad7caab06d7cd42 fusion-toggle-no-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_85ad7caab06d7cd42\"><a aria-expanded=\"false\" aria-controls=\"85ad7caab06d7cd42\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-2354-1\" data-target=\"#85ad7caab06d7cd42\" href=\"#85ad7caab06d7cd42\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Disclosures<\/span><\/a><\/h4><\/div><div id=\"85ad7caab06d7cd42\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_85ad7caab06d7cd42\"><div class=\"panel-body toggle-content fusion-clearfix\">APY = Annual Percentage Yield. These are the terms as of Feb. 16, 2021, and are subject to change at any time. The above stated APY will be paid on the portion of the account balances up to $40,000. If the above requirements are not met, the account will earn the default APY of 0.05%. Balances exceeding $40,000 will earn an APY of 0.05%. Dividends are calculated using the daily balance method, which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day the funds are deposited. Dividends will be compounded and credited monthly. The dividend rates and annual percentage yields may change at any time, as determined by the board of directors. Only one Optimum account per primary member. Check card transactions must be conducted and posted to the account by the last business day within each statement month. ATM transactions do not qualify as a transaction. ATM refunds apply only to domestic ATMs. Direct deposit must be received and posted within each statement month to receive credit. If the account holder (including the joint owner) is a signer or co-signer on any loan that becomes delinquent greater than 30 days, the account will not earn the above stated APY and will revert to the default APY of 0.05%. If the account holder (including the joint owner) is a signer or co-signer on any loan that is or becomes charged off, the account will not earn the above stated APY and will revert to the default APY of 0.05%. This includes delinquencies and charge-offs of any amount. Federally insured by NCUA. March 1, 2016, Optimum began a minimum balance requirement of $500. If the balance falls below $500, a $2 fee will be charged.<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div style=\"--awb-backgroundcolor:#ffffff;\" class=\"fusion-column content-box-column content-box-column content-box-column-2 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover \"><div class=\"col content-box-wrapper content-wrapper-background link-area-link-icon icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><div aria-hidden=\"true\" class=\"image\"><img decoding=\"async\" src=\"https:\/\/clientweb.dev\/tscu\/wp-content\/uploads\/2020\/09\/Simple-Money-Logo-trans124.png\" width=\"242\" height=\"124\" alt=\"Simple Money\" \/><\/div><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p style=\"text-align: left;\">This debit account is designed for those who prefer a fully mobile experience. It features rewards on debit transactions, ATM fee refunds, and overdraft forgiveness when qualifications are met.<\/p>\n<p style=\"text-align: left;\"><strong>Rewards:<\/strong><\/p>\n<ul style=\"text-align: left;\">\n<li>5 cents back per debit card transaction<\/li>\n<li>Up to $10 in ATM fee refunds per month<\/li>\n<li>One NSF fee refund per year<\/li>\n<li>Free E-statements, remote deposit, and mobile banking<\/li>\n<\/ul>\n<p style=\"text-align: left;\">SimpleMoney requires no minimum balance. To earn rewards, simply:<\/p>\n<ul style=\"text-align: left;\">\n<li>Conduct at least 40 debit transactions per month<\/li>\n<li>Sign up and activate e-statements<\/li>\n<li>Utilize online banking<\/li>\n<\/ul>\n<p style=\"text-align: left;\">If qualifications are not met, the ATM refunds, debit card rebate, and NSF fee will not be refunded. As with all other deposits at True Sky Federal Credit Union, your funds are federally insured by NCUA for up to $250,000.<\/p>\n<p style=\"text-align: left;\">Visit any\u00a0<a href=\"https:\/\/clientweb.dev\/tscu\/locations\/\">branch<\/a> to open your account today or apply online.<\/p>\n<\/div><\/div><\/div><div style=\"--awb-backgroundcolor:#ffffff;\" class=\"fusion-column content-box-column content-box-column content-box-column-3 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper-background link-area-link-icon icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><div aria-hidden=\"true\" class=\"image\"><img decoding=\"async\" src=\"https:\/\/clientweb.dev\/tscu\/wp-content\/uploads\/2020\/09\/EasyChecking-tsp124png.png\" width=\"307\" height=\"124\" alt=\"Easy Checking\" \/><\/div><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p style=\"text-align: left;\">Some people think of a credit union as just a place to get a loan or apply for a mortgage, but we can meet your everyday banking needs and provide a number of advantages in the process.<\/p>\n<p style=\"text-align: left;\"><strong>Advantages include:<\/strong><\/p>\n<ul style=\"text-align: left;\">\n<li>Free debit card<\/li>\n<li>No monthly service charge (with e-statements, without e-statements a $2.00 monthly statement fee may be incurred)<\/li>\n<li>No minimum balance<\/li>\n<li>Free E-statements, remote deposit and mobile banking<\/li>\n<\/ul>\n<p style=\"text-align: left;\">As with all other deposits at True Sky Federal Credit Union, your funds are federally insured by NCUA for up to $250,000.<\/p>\n<p style=\"text-align: left;\">Visit any\u00a0<a href=\"https:\/\/clientweb.dev\/tscu\/locations\/\">branch<\/a> to open your account today or Apply online.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><h3 id=\"overdraftjump\"><\/h3>\n<div class=\"accordian fusion-accordian fusion-no-small-visibility\" style=\"--awb-border-size:1px;--awb-icon-size:13px;--awb-content-font-size:16px;--awb-icon-alignment:left;--awb-hover-color:#f9f9f9;--awb-border-color:#cccccc;--awb-background-color:#ffffff;--awb-divider-color:#e0dede;--awb-divider-hover-color:#e0dede;--awb-icon-color:#ffffff;--awb-title-color:#20c4f4;--awb-content-color:#1c3d6e;--awb-icon-box-color:#1c3d6e;--awb-toggle-hover-accent-color:#1c3d6e;--awb-title-font-family:&quot;Inter&quot;;--awb-title-font-weight:300;--awb-title-font-style:normal;--awb-title-font-size:22px;--awb-content-font-family:&quot;Inter&quot;;--awb-content-font-style:normal;--awb-content-font-weight:300;\"><div class=\"panel-group fusion-toggle-icon-boxed\" id=\"accordion-2354-2\"><div class=\"fusion-panel panel-default panel-56bb37580ad43b7b7 fusion-toggle-no-divider\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_56bb37580ad43b7b7\"><a aria-expanded=\"false\" aria-controls=\"56bb37580ad43b7b7\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-2354-2\" data-target=\"#56bb37580ad43b7b7\" href=\"#56bb37580ad43b7b7\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Compare our Checking Accounts<\/span><\/a><\/h4><\/div><div id=\"56bb37580ad43b7b7\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_56bb37580ad43b7b7\"><div class=\"panel-body toggle-content fusion-clearfix\">\n\n<div class=\"table-2\">\n<table width=\"100%\">\n<thead>\n<tr>\n<th align=\"left\"><\/th>\n<th style=\"text-align: center;\" align=\"left\"><strong>Easy Checking<\/strong><\/th>\n<th style=\"text-align: center;\" align=\"left\"><strong>Simple Money<\/strong><\/th>\n<th style=\"text-align: center;\" align=\"left\"><strong>Optimum Checking<\/strong><\/th>\n<th style=\"text-align: center;\" align=\"left\"><strong>Top Brass<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td align=\"left\">Choose if you are looking for:<\/td>\n<td align=\"left\">An everyday banking account<\/td>\n<td align=\"left\">For those who prefer a fully mobile experience<\/td>\n<td align=\"left\">Earning dividends and refunded ATM fees<\/td>\n<td align=\"left\">If you are 62+ ask to add this on to any of our checking accounts<\/td>\n<\/tr>\n<tr>\n<td align=\"left\">Minimum Balance<\/td>\n<td align=\"left\">$0<\/td>\n<td align=\"left\">$0<\/td>\n<td align=\"left\">$500<\/td>\n<td align=\"left\">$0<\/td>\n<\/tr>\n<tr>\n<td align=\"left\">Minimum Opening Deposit<\/td>\n<td align=\"left\">$25<\/td>\n<td align=\"left\">$25<\/td>\n<td align=\"left\">$25<\/td>\n<td align=\"left\">$10<\/td>\n<\/tr>\n<tr>\n<td align=\"left\">Dividends<\/td>\n<td align=\"left\">No<\/td>\n<td align=\"left\">No<\/td>\n<td align=\"left\">0.75% APY up to $40,000<\/td>\n<td align=\"left\">No<\/td>\n<\/tr>\n<tr>\n<td align=\"left\">Monthly Service Fee<\/td>\n<td align=\"left\">$0 with eStatements<\/td>\n<td align=\"left\">$0 with eStatements<\/td>\n<td align=\"left\">$0 with eStatements<\/td>\n<td align=\"left\">$0<\/td>\n<\/tr>\n<tr>\n<td align=\"left\">Other Features<\/td>\n<td align=\"left\">Free E-statements, remote deposit, mobile banking and debit card.<\/td>\n<td align=\"left\">5 cents back per debit transaction, up to $10 ATM fee refunds 1 NSF fee refund per year.<\/p>\n<p>Free E-statements, remote deposit and mobile banking.<\/td>\n<td align=\"left\">Free E-statements, remote deposit, mobile banking and premium interest rates.<\/td>\n<td align=\"left\">50% off checks and wire transfers. Free Notary and fax service and discounts on stop payments.<\/p>\n<p>Free E-statements, remote deposit and mobile banking.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-3\"><p><a id=\"overdraft\"><\/a><\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:5px;margin-bottom:15px;width:100%;\"><\/div><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-color5);--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;--awb-font-size:22px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:22;--minFontSize:22;line-height:1.5;\">Overdraft Protection<\/h3><\/div><div class=\"fusion-text fusion-text-4\"><p><span style=\"font-weight: 400;\">If you accidentally overdraw on your bank account by a check, authorizing a payment, or even over withdrawing at your ATM in order to buy something when you don\u2019t have the necessary funds, True Sky Federal Credit Union can transfer funds from your <\/span><b>overdraft protection<\/b><span style=\"font-weight: 400;\"> source so that a low bank account balance doesn\u2019t ruin your day. <\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 22; line-height: 1.5; --minfontsize: 22;\" data-fontsize=\"22\" data-lineheight=\"33px\"><strong>What is overdraft protection? <\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Overdraft protection prevents the rejection of charges to your bank account that exceed your account balance by automatically transferring funds to your checking account from our own account. In other words, we loan you the necessary funds and you are responsible for paying us back. Overdraft protection is sometimes referred to as cash-reserve checking and primarily protects checks, ATM transactions, and debit-card charges. With True Sky Federal Credit Union overdraft protection, even if your account has insufficient funds, you will not get rejected at a point of sale because we will cover any shortfallings. In other words, overdraft protection is a guarantee that any transaction will be approved if the account balance falls below zero.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 22; line-height: 1.5; --minfontsize: 22;\" data-fontsize=\"22\" data-lineheight=\"33px\"><strong>Overdraft Options<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Without overdraft protection, any transactions attempted that have insufficient funds are returned unpaid, checks are bounced, and cards are declined. True Sky Federal Credit Union has improved our Overdraft Privilege to better ensure our overdraft protection is customized to meet individual member checking account needs. As part of these improvements, the overdraft limit for members will no longer be a fixed amount. Instead, it will change daily as a result of several factors including the age of the account and the amount\/frequency of deposits. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">True Sky Federal Credit Union offers two different types of Overdraft Protection and Enhanced Overdraft Privilege protection. Standard Overdraft Privilege protection will be automatically in place for pre-authorized transactions and automatic billing. Enhanced Overdraft Privilege offers all the features of Standard Overdraft Protection with additional benefits including protection on ATM and debit card transactions. The choice is up to you; see the <\/span><b>chart below<\/b><span style=\"font-weight: 400;\"> to consider how to cover your overdrafts.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 22; line-height: 1.5; --minfontsize: 22;\" data-fontsize=\"22\" data-lineheight=\"33px\"><strong>Overdraft Policy<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">As soon as our overdraft protection service is triggered, we will automatically transfer the appropriate funds from our linked account to cover the shortfall. Note that we do not have an option to withdraw money out of your savings account and there is a small fee associated with each transaction. This is an opt-in or opt-out option only. To learn specific details about our overdraft protection, give us a call!<\/span><\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-11484 size-large\" src=\"https:\/\/clientweb.dev\/tscu\/wp-content\/uploads\/2022\/08\/TS_0422_Overdraft.png\" alt=\"overdraft protection\" width=\"1024\" height=\"323\" \/><\/p>\n<p><strong>Standard Overdraft Privilege protection<\/strong><\/p>\n<p>Standard Overdraft Privilege protection will be automatically in place for pre-authorized transactions and automatic billing.<\/p>\n<p><strong>Enhanced Overdraft Privilege protection<\/strong><\/p>\n<p>Enhanced Overdraft Privilege offers all the features of Standard Overdraft Protection with additional benefits, including protection on:<\/p>\n<ul>\n<li>ATM transactions<\/li>\n<li>Everyday debit card transactions<\/li>\n<\/ul>\n<p><span style=\"color: #1c3d6e;\"><em><strong>Signing up is easy! You can opt-in to have your account upgraded to Enhanced Overdraft protection using the email submission below, visiting a branch, or by contacting us at 405-682-1990.<\/strong><\/em><\/span><\/p>\n<h4 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 20; line-height: 1.5; --minfontsize: 20;\" data-fontsize=\"20\" data-lineheight=\"30px\"><a href=\"https:\/\/clientweb.dev\/tscu\/wp-content\/uploads\/2022\/08\/Overdraft-Notice.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Disclosures<\/a><\/h4>\n<script type=\"text\/javascript\" src=\"https:\/\/TrueSkyCreditUnion.formstack.com\/forms\/js.php\/overdraft?nojquery=1\"><\/script><noscript><a href=\"https:\/\/TrueSkyCreditUnion.formstack.com\/forms\/overdraft\" title=\"Online Form\">Online Form - Overdraft<\/a><\/noscript><div style=\"text-align:right; font-size:x-small;\"><a href=\"http:\/\/www.formstack.com?utm_source=jsembed&utm_medium=product&utm_campaign=product+branding&fa=h,4922857\" title=\"Powered by Formstack\">Powered by Formstack<\/a><\/div><script type='text\/javascript'>if (typeof $ == 'undefined' && jQuery){ $ = jQuery}<\/script>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-2354","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - 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