Share Draft Checking Account
Free and Convenient are two words that sum up this account
with the following features:
- No minimum balance
- No monthly service charges
- No per check charges
- Visa Check Card available for added convenience
- Direct Deposit or Payroll Deduction available
- Earn interest on your account if you maintain an average
monthly balance of $500.00 or more
- Overdraft Protection by Shares or Overdraft Protection
by Loan are available
- Receive a detailed monthly statement of account activity
Direct Deposit
Are you tired of rushing to the credit union so that you
can deposit your check before the office closes? Are you worried
that you may not have all of the funds available from your
paycheck right away? Well, end all of your frustration and
worries with Direct Deposit.
With Direct Deposit, your paycheck is electronically deposited
into your Checking Account or Regular Shares Savings Account.
You can sit back and relax and know that funds will be available
that will allow checks to clear and automatic payments to
be processed. When you combine the benefits of Direct Deposit
with the advantages of the SSFCU Visa Check Card, you will
be taking full advantage of two of the most reliable and convenient
services that SSFCU has to offer. Check with your employer
to see if they offer Direct Deposit today!
Payroll Deduction
This popular service allows our members to deposit part
of their paycheck into various accounts that they have at
the credit union. For example, if you get paid $500 every
two weeks, you may elect to have $100 of your pay deposited
into your Checking Account, $50 into your Regular Shares Savings
Account, $25 into your Holiday Club Account and $25 into your
Summer Shares Account for a rainy day. When it is all said
and done, you will receive a paycheck in the amount of $300
with your funds already deposited where you need them! Check
with your employer to see if they offer payroll deduction
today!
Visa Check Card
 It's
your checkbook and your ATM card all in one! You can use your
SSFCU Visa Check Card to make purchases directly from your
checking account, or you can use your card to withdraw cash
or transfer funds at an ATM.
Here's how it works. When you want to make a purchase, simply
present your card to the cashier or clerk. The cashier or
clerk will perform the transaction as if your card was a credit
card - except the purchase price is deducted from your checking
account. All you have to do is sign the receipt and record
the transaction in your checkbook.
The SSFCU Visa Check Card will save you time and money. You
will no longer have to carry your checkbook all over the place,
or withdraw more money than you need from an ATM to make a
purchase.
In the event that your Visa Check Card is lost or stolen,
please call the credit union office during business hours.
After business hours, please call (800) 472-3272.
ATM Card
 When
you need cash in a hurry, nothing beats the convenience of an SSFCU ATM Card (except
for the SSFCU Visa Check Card, of course!). When it comes to withdrawing money,
School Systems FCU is in an ATM sharing network that eliminates ATM surcharging
for our members at select ATMs. Click here for a complete listing of surcharge-free
ATMs near you. You can also use your SSFCU ATM Card to make purchases at grocery
stores and gas stations.
With an SSFCU ATM Card, we will not fee you for your first
six transactions in the same month. However, the bank or credit
union that owns the ATM you use may fee you. We will fee you
$1.00 per transaction only after you have exceeded your six
transaction limit. A transaction is defined as a withdrawal
or Point of Sale (ATM Card) purchase.
Virtual Branch
Virtual Branch allows you access to your School Systems
FCU account 24 hours a day, 7 days a week. You can log into
your Virtual Branch wherever there is Internet available.
This free service allows you to check account history, account
balances, make transfers, and make loan payments wherever
there is Internet access available. Click
here if you would like to sign up for Virtual Branch using
Online Enrollment. (You will need your account number and
PAT pin number to enroll.)
BillPay
Stop writing checks and start using BillPay. This bill
payment option can be added to your Virtual Branch at any
time and allows you to make payments to merchants with the
touch of a button. You can set up merchants to be paid automatically
on a schedule or as needed. This service is FREE when you
maintain a combined share account balance of $1,000 or more
on a monthly basis. If you do not meet the combined share
account balance, you will be charged a $4.95 monthly fee.
Overdraft by Shares
Use your savings account as a "safety net" when
you do not have enough funds in your Checking account to clear
a check. Funds will be automatically transferred from your
Regular Shares Savings to your Checking account to cover the
amount of the checks trying to clear your account. Each time
funds are transferred, you will be assessed a $3.00 fee. Please
note that you must have funds available in your Regular Shares
Savings account in order to take advantage of this service.
Overdraft by Shares may be combined with Overdraft by Loan
for the maximum Overdraft Protection.
Travelers Checks
We offer American Express Travelers Checks at no
charge to our members. We also offer Travelers Checks
for Two at a charge of 1% of the total amount of the Travelers
Checks (i.e. for $1,000 worth of Travelers Checks for Two,
the member would incur a fee of $10). Travelers Checks for
Two are nice to have if you are not always together on your
vacation.
Money Orders
SSFCU can provide you with a money order if you do not
have a checking account and you need to make a purchase or
pay a bill by mail. There is a $3.00 fee for each money order
and the maximum amount for each money order is $1,000.
Check Ordering
SSFCU offers our Checking Account holders the option of
ordering checks through Deluxe Check Company or Liberty. Deluxe
and Liberty offer wide selections of checks at reasonable
prices and include the option of duplicate checks for our
members.
If you decide not to order checks through SSFCU, please make
sure that you give the company that you order your checks
from the proper information. Give the company your member
number and SSFCU's Routing and Transit Number
- 221382358.
Re-ordering your checks is available via the web, provided
you are not making any changes to your personal information.
Should you need to make changes to your name, address, or
account information, you will need to contact a member service
representative to place your order.
Deluxe
Liberty
Notary Service
We have a Notary Public available at each credit union
office. Please call ahead if you are planning on having documents
notarized to make sure that our Notary Public is available.
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