新的数字银行——即将到来! Digital 银行ing is currently unavailable while we finalize a new Digital 银行ing experience as part of our systems integration. We will email you after the new platform is live for you to explore the new features and functionality. 与此同时, visit our website to learn more about what to expect and how you can prepare for a smooth transition.
学习如何避免被拒绝的借记交易, 返回检查, 及其他资金不足(NSF).
It can happen to anyone — 返回检查 and other types of payments originating from your checking account that are denied due to an insufficient available balance. 直接金融提供了许多不同的方法来帮助你避免NSF事件.
We offer free online banking so you can check your account balances every day in real time. We offer automatic account alerts that will notify you of certain types of activity in your account, 包括当您的帐户余额低于您指定的水平时, 或者发生借记交易时. 使用手机银行, you can keep track of your account activity and make instant transfers from your smartphone or other mobile device. Or you can use your telephone and use our automated Accountline system to monitor your account activity and available balance to help prevent NSF incidents.
礼貌支付 is a service we provide at 直接金融 to help you avoid 返回检查 and other types of denied transactions due to an insufficient available balance. 礼貌支付可以用来帮助支付支票和现金往来, BillPay项目起源于网上银行, 还有你用借记卡做的交易. 以礼金支付, 直接金融 may pay the transaction for you even if you do not have sufficient available funds in your account.*
对于这项服务, 我们将向您收取每笔交易项目14美元的礼节性支付/已付NSF费用, 哪些会从你的账户中扣除. 你不必注册“礼金支付”来支付你的纸质支票, 账单支付或电子(ACH)项目,你起源于你的支票帐户. 然而, 如果你想要得到“礼貌支付”的保护,你必须选择加入 适用于您的日常借记卡交易. 请注意,在直接金融, 我们不将礼金支付扩展到自动柜员机或非支票账户交易.
* We reserve the right to pay or not pay any item at our discretion when there are insufficient available funds in your account to cover the transaction. 如果我们支付支票或项目,否则会透支您的帐户, you agree to pay the overdraft amount immediately (within 24 hours of notification or less). 我们可以考虑您与信用社的关系, 账户历史, 金融行为, and/or other factors when determining whether to pay an item (overdraft) or return the item for non-sufficient funds (NSF).
账户 of persons under the age of 18 are not eligible for 礼貌支付 services.
We start with the actual or beginning balance in your account and deduct any check holds or pending debit card transactions to determine the available balance. For non-PIN debit card purchases (such as those you sign for or an online transaction), the retailer submits the transaction to 直接金融 and we place a debit card authorization hold on the funds until the transaction settles and posts to your account. 对于支票货舱, 比如自动取款机的支票存款, 第一个200美元立即可用, 然而, 其余的可能会持有更长的时间.
这里有一个例子:
事务 | 量 |
---|---|
期初结余 | $1,000 |
是前一晚用借记卡买的 | -100 |
支票在自动取款机上存了500美元 (225美元可立即获得,但275美元将保留到下一个工作日) |
+225 |
可用余额 | $1,125 |
We use your available balance to determine whether a transaction will cause your account to overdraw. You can review both your actual balance and available balance when you review your account online, 在自动取款机上, 通过电话或在分支机构.
You can contact us to opt out of 礼貌支付 if you do not want us to pay checks or other electronic transactions that won’t clear due to an insufficient available balance. If you choose to opt out of 礼貌支付 then your check or other transactions will be returned when you do not have sufficient available funds in your account and you will be charged the standard return item fee of $14 per item.
In addition to the return item fee you may be charged a fee and/or interest by the person or entity which presented the item for payment. Note: If you do not opt in to allow us to authorize debit card transactions that exceed your available balance, these transactions will be denied at point of purchase unless you have established other plans described below to cover these payments. 对于被拒绝的借记卡交易,没有退货费用. Your opt-in and/or opt-out decision can be revoked or reinstated by you or the credit union at any time.
是的,有!
在直接金融, 你可以把你的支票账户和某些类型的账户“链接”起来, 比如储蓄, 货币市场, 或者贷款账户. 如果你已经建立了这个链接, available funds will automatically be transferred from one of your linked accounts into your checking account to cover the payment.
Speak to a 直接金融 Member Service Representative for additional details and related fees.