OVERDRAFT PROTECTION ON ATM, EVERYDAY DEBIT CARD AND COMMUNITYAMERICA ONLINE BILL
PAY TRANSACTIONS
Effective August 15, 2010: Government regulations require you to 'opt-in' or agree
to the terms and conditions of the overdraft protection service on ATM, everyday
debit card transactions and CommunityAmerica online bill pay transactions.
WHY HAVE OVERDRAFT PROTECTION?* Overdraft protection is when we pay for a transaction you make, even when there
isn't enough money in your checking account. Basically, we're giving you the benefit
of the doubt and allowing you to overdraw your account.If you answered YES to any of these questions, then you may want to consider opting
in. If you don't use the service, then it doesn't cost you anything, and it gives
you peace of mind in case you do need it. If you do use the service, the fee is
$25 per overdraft paid. For more information on CommunityAmerica's overdraft policy,
see the reverse side. For more information on CommunityAmerica's overdraft policy,
CLICK HERE.ARE YOU READY TO OPT IN? | | Use @ccountLink to make or change your preference at anytime.
The opt-in form can be accessed by clicking on 'Pay My Overdrafts'
on the Account Summary page. If you're not an @ccountLink user, simply enroll and
you can make your selection online. CommunityAmerica will not send an email using embedded hyperlinks, asking you to click a link that requests personal information
that we already maintain.
|
 | | Call us at 913.905.7000 or toll-free at 800.892.7957 to make or
change your preference.
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 | | Send it in writing. CLICK HERE for the opt-in form and mail it to CommunityAmerica
Credit Union at PO BOX 15950, ATTN: Electronic Services, Lenexa, KS 66285-5950.
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*Overdraft coverage may extend to checks, ACH, debit card, bill
payment, telephone transfers between accounts and cash withdrawals. We pay your
items in anticipation that you will repay the overdraft immediately. If not repaid
within 30 days, overdraft privilege will be suspended. Payment of overdraft items
is discretionary. Your account will be evaluated based upon age of account, account
history, deposit activity, overdraft instances and account status to determine if
it is financially sound to honor your overdraft items. In order to be eligible for
this privilege, the account must be in good standing and have a positive deposit
history.