YOUR CHOICE OF TWO CHECKING OPTIONS

Switching from a checking account you already have with another financial institution to a BVFCU Checking Account is easier with our "1, 2, 3 Switch Forms".  These forms help you simplify transferring automatic payments and direct deposits to your new credit union account.

Both checking accounts still offer these great features:

• No per check fee - Write as many checks as you like. There is never a "per check" charge for the checks you write.
• Internet check reordering - If you have ordered checks in the past through your credit union, you may now reorder checks securely over the internet. If you are ordering new checks or want to make changes to your existing check order, you must still call the Credit Union.
  
• Regular monthly statements - Keeping your account up-to-date is simple with the easy-to-read statement you receive each month.
  
  
• Special "Senior and College Student" discounts (FREE Checking ONLY) - Senior discount is offered to members age 60 and over; College Student discount is available to members with valid college student ID. Refer to our Service Fee Schedule.

VISA CHECK CARD

Here are some of the benefits of real-time processing:

• Immediate access to available funds.  No more waiting until the next daily balance update to use the money from a deposit.
• Quicker access to Direct Deposits.  Your direct deposit/payroll deduction will be available as soon as it is applied to your account.
• Easier balancing.  You can track MOST transactions in your checking account as soon as they are complete.  Transactions to the account may be delayed if the merchant is not connected to the Visa system at the time of purchase.

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You now have the option of how your purchase will be processed when using your BVFCU Visa Check Card at merchants’ “Point of Sale” (POS) terminals.All transactions, whether you select DEBIT or CREDIT, will be deducted from your checking account.If you choose “CREDIT”, purchases are processed by Visa.  Generally, you are required to sign a receipt or electronic pad, except for purchases at gas pumps.  You should use CREDIT for most transactions since it is more widely accepted by merchants, and the purchases may be protected by Visa rules and regulations in cases of charge disputes.Transactions processed as “DEBIT” are processed by Interlink (a nationwide Debit-POS network).  You will be required to enter your PIN.  You should choose DEBIT if you are receiving “Cash Back” from the merchant, or if the merchant does not accept Credit transactions.Either option, DEBIT or CREDIT, is available to meet your transaction needs.

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You can access your checking account without writing checks because the BVFCU Visa Check Card offers a whole world of convenience.

• Lets you use money from your checking account without writing a check - Use it wherever you see the Visa symbol - at more than 11 million stores, restaurants, and other locations around the world.
• Faster and easier than writing a check - Simply present the BVFCU Check Card to a merchant, sign the receipt, and go. Or "swipe" it through a Point-of-Sale (POS) terminal where available. It saves time when you're in a hurry, because you don't have to write a check or show I.D., and you don't need to wait for a check approval.
• Accepted where checks aren't - It's not always easy to pay by check when you're away from home. Your BVFCU Visa Check Card helps you avoid this problem. And it's safer than carrying large amounts of cash. You can even use it when ordering merchandise or services by phone, mail or internet.
• Offers you cash access around the world - Your Visa Check Card offers you a quick, easy way to get cash from your checking account at more than 1 million Visa/Plus network ATMs in 179 countries.

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VERIFIED BY VISA Verified by Visa puts you in control when shopping online.  Only you can approve purchases, at participating merchants, using your private password.

Click here for more information or to register

OVER-DRAFT PROTECTION

Your check writing ability is not limited to the amount you have on deposit in your checking account. If you over-draft your checking account balance, funds can be transferred from your regular savings account as long as the funds are available. There is a charge of $4.00 per daily occurrence for this service.

COURTESY PAY (A Discretionary Overdraft Service)

Have You Ever...

• Made an honest mistake in your checkbook? Found yourself "a little short"?
• Had unusual or unforeseen expenses at just the wrong time?

Courtesy Pay can mean...

• You can avoid high charges from merchants for returned checks
• You have new convenience and flexibility in managing your funds

Eligible account holders will receive an 'Announcement Letter' and complete 'Courtesy Pay Policy' as this service is applied to their accounts.

We will charge our normal non-sufficient funds (NSF) charges, as set forth in our fee schedule, for each item that would create an overdraft on your account.

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