Additional Checking Services

Courtesy Pay Opt-In

Have you ever been at the grocery store with a cart full of food, and had your debit card denied? Or coasted to the gas station on fumes, just to be stuck at the pump because your debit card was rejected for insufficient funds? Courtesy Pay is a service that many of us rely on to get us through the tough times (and prevent some embarrassment). However, due to federal regulations, you must Opt-In to the service or else you risk having your debit card denied at a time when you might need it most.

If you wish to have Courtesy Pay on your checking account, please visit the Credit Union and see a member service representative, Opt-In over the phone by calling 817.732.2803 and press 3 for the member service department, or use the link below to opt-in online.

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. Fort Worth City Credit Union can cover your overdrafts in two different ways: We have standard overdraft practices that come with your account. We call this service “Courtesy Pay” and it may only be allowed on one checking account per primary member. We do not offer this service on Independence Checking and Varsity Checking accounts.

We also offer an Overdraft Transfer service which is a link to your share savings account, but you must have funds available in your share account to cover any overdrafts. If you have enrolled in Overdraft Transfer and Courtesy Pay, our system will always look for available funds in your share first, as this option is less expensive than our Courtesy Pay program.

What are the Courtesy Pay practices that come with my account?

The maximum amount in overdraft transactions we will cover is $300 for No Hassle Checking (maximum negative amount your account is allowed and fees are included) and $500 for Rewards Checking account holders.

• You must be creditworthy, not a minor and not delinquent on any obligation to FWCCU.
• You will have no more than 30 days from the date of our payment to deposit funds or obtain an approved credit union loan to cover the overdraft. Overdrafts not paid within 30 days will be subject to collection as set forth in credit union policy.
• We shall terminate your Courtesy Pay privileges if you do not timely pay your overdrafts or if you are delinquent on any of your other obligations.
• We process transactions in the order in which they are received and not necessarily in the order in which they were transacted. This can affect the total number of fees you may incur each day.
• We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.
• If we do not authorize and pay an overdraft, your transaction will be declined.

What transactions are covered and not covered?

Courtesy Pay is automatically provided for checks, ACH and recurring transactions from your checking account, but you must opt-in to add Courtesy Pay for your debit card transactions, such as ATM transactions and purchases.

What fees will I be charged if Fort Worth City Credit Union pays my overdraft?

For each Courtesy Pay transaction, you will be assessed a non-refundable fee of $20.00, (more than $10.00 less than the national average of $38.00). This is a reasonable cost for our Courtesy Pay program, which gives you an option when you need to make an emergency purchase, and provides you the security of knowing your transaction will be processed without additional charges from merchants due to insufficient funds.

There is no limit on the total fees we can charge you for overdrawing your account, but if you have reached your Courtesy Pay limit, items pay be returned unpaid and an insufficient funds fee (NSF) may be charged.

Overdraft Transfer from your Share Account

An overdraft occurs when you do not have enough money in your account to cover a transaction, but it is paid by the Credit Union anyway. Fort Worth City Credit Union can cover your overdrafts in two different ways: Overdraft Transfer and Courtesy Pay.

Overdraft Transfer is a free service that links your share account to one of your checking accounts to cover any potential overdrafts, however you must have funds available in your share account for overdraft protection to work. Our system always looks for available funds in the share first if you have Overdraft Transfer, as this option is less expensive than our Courtesy Pay program.

To link your share account for Overdraft Transfer, contact a member service representative today. To learn more about Overdraft Transfer or Courtesy Pay, call 817.732.2803.

Express Yourself with Checks

Visit the Harland-Clarke website for all your check-ordering needs. Follow the simple navigational menu and you can not only order your checks, but you may customize them to suit your preferences. Want to know the status after an order? A tracking service is also available so you can view exactly when your checks were sent out. Click the link below to enter the Harland-Clarke website.

Due to heightened security, certain changes may cause a delay in printing. Information changes such as address changes or adding joint owners must be verified by Fort Worth City Credit Union before those checks can be printed. For any changes to your check information, contact the Credit Union at 817.732.2803 and we will assist you with your check order.

Check Printing Fees

The charge for checks depends on the style chosen. For the Rewards Checking account, the designated special style is free, up to two boxes of checks per year. If a style other than the designated style is chosen, regular price will charged.

Stop Payment on a Check

Payment lost in the mail? Checkbook stolen? Stop Payment Orders on checks can be useful in many different situations, including lost or stolen checks. Contact member services or simply log in to digital banking and click the link to "Stop Check Payment". Fill out the online form (be sure to include the correct check number or range of check numbers) and click submit. You will be automatically charged a $20.00 fee per stop payment, but the peace of mind is priceless!