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South Central Credit Union
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There is no minimum balance required to open this account. We don't charge per-check fees or monthly maintenance fees (excluding business checking) and we pay you dividends on your checking on each day your account balance is $100 or more. Take the checking account challenge by comparing our fees with what you're paying now. Overdraft privilege is now available on select accounts, call us for details.
Overdraft Protection
Have you ever bounced a check? It happens to the best of us. Worse than the embarrassment of bouncing a check, the bank charges you an NSF fee, and the business you wrote it to charges you a fee on top of that. Worse yet, what if the check was to a friend or to a relative? We offer three ways to avoid having your item from being returned:
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• If you have a savings account with us, you can arrange to have us automatically transfer, up to 3 times per month( Federal Regulation D), funds from your savings account to your checking account to cover drafts. A small overdraft transfer fee will be assessed for each item occurs. See our current rate and fee schedule.
• We can grant you an overdraft line of credit loan and lend you the funds to cover the overdrafts in your checking account. Either way, it's better than bouncing a check. See our rates for the current overdraft line of credit rate and fee schedule for overdraft occurrences. **
• Overdraft privilege is available on select accounts that allows you to overdraw your account up to $800.00 to be brought current within 30 days. An overdraft privilege fee of $25.00 will apply for each item overdrawing your account and your item will be paid. Once this limit is reached, items will be returned unpaid and a NSF fee of $25.00 will apply. Call us for additional information about qualifications for this program.
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