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How can you avoid overdraft fees?
The best way to avoid overdraft fees is to manage your account so you don't overdraw it.
The best way to avoid overdraft fees is to manage your account so you don't overdraw it.
- Keep track of how much money you have in your checking account by keeping your account register up-to-date. Record all checks when you write them and other transactions when you make them. And don't forget to subtract any fees.
- Pay special attention to your electronic transactions. Record your ATM withdrawals and fees, debit card purchases, and online payments.
- Don't forget about automatic bill payments you may have set up for utilities, insurance, or loan payments.
- Keep an eye on your account balance. Remember that some checks and automatic payments may not have cleared yet.
- Review your account statements each month. Between statements, you can find out which payments have cleared and check your balance by calling Member Services or by checking online in Home Banking. Be sure to find out the actual amount in your account--your account balance.
For a Check Reconcilement Form that you can print or complete online, click here.
Online Account Transfers
Sometimes you may need to transfer funds to prevent an overdraft. You can use Home Banking to immediately move money from one account to another. Just login to Home Banking using your Member Number and PIN. Then select the "Transfer" tab. Enter the amount you wish to transfer and designate the accounts you are transferring from and to. It is that simple. There is even a section where you can describe the reason for the transfer.
You can also deposit money into your account to help you avoid additional overdrafts and fees.
