Member Checking Courtesy Overdraft Protection Opt-In

Yes, I want Health Associates Federal Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions.

 

If you want Health Associates Federal Credit Union to authorize and pay overdrafts on ATM and everyday debit card transactions, please enter the requested information below and click Submit Form. If you have questions regarding Overdraft Privilege and Opting In, please enter those questions in the comment box below. If you need to speak to a representative about your choices, please call 714-338-3028.

 

By submitting the form below you Authorize Health Associates Federal Credit Union to pay your overdrafts on your credit union checking account ATM and everyday debit card transactions.

 

To opt-in by phone, instead of filling out the form below, please call 866-820-4839.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Name

E-mail

Telephone

Account Number

 

Please include any questions or comments in the space provided below and document your preferred choice of communication.

 

 

 

 

Before you submit, read below for more information about your choices.

 

> 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. We can cover your overdrafts in two different ways:

 

1. We have standard overdraft practices that come with your account.

 

2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

 

This notice explains our standard overdraft practices.

 

> What are the standard overdraft practices that come with my account?

 

We do authorize and pay overdrafts for the following types of transactions; these are Courtesy Overdrafts:

 

• Checks and other transactions made using your checking account number

• Automatic bill payments

 

After August 15, 2010 we will not authorize and pay overdrafts for the following types of transactions unless you ask us to “Opt-In” (see below):

 

• ATM transactions

• Everyday debit card transactions

 

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 fees will I be charged if Health Associates Federal Credit Union pays my overdraft?

 

Under our standard overdraft practices:

 

• We will charge you a Courtesy Overdraft fee of up to [$27.50] each time we pay an overdraft

• There is currently a limit on the total fees we can charge you for overdrawing your account, however the credit union will not overdraft your account more than $500.00 including Courtesy Overdraft Fees.  See fee schedule for more information.

 

> OK – I’m ready to Opt-In.

 

I want Health Associates Federal Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions. By clicking the Submit Button above I give Health Associates Federal Credit Union authorization to pay overdrafts on my (and any legal joint owners with access) ATM and everyday debit card transactions at a cost of $27.50 per item cleared on my Health Associates Federal Credit Union Checking Account(s). I understand that if I do not Opt In that the credit union will continue to pay overdrafts on checks and ACH (recurring payments) on my account.

 

I understand that I may cancel or revoke my authorization at any time by sending my request in writing to the credit union at 530 South Main St., Suite 100, Orange, CA 92868.