As long as your account is in good standing1 AmeriCU may approve your overdraft items within your current available Member Privilege limit. For this service, you will be charged the non-sufficient funds (NSF) fee of $28 for each overdrawn item created by check, ACH, other electronic means and recurring debit cards transactions. Also, at your request*, ATM withdrawals and one-time debit card transactions, paid under the limit. All negative balances must be brought positive within 30 days or your Member Privilege limit will be suspended.
Your Member Privilege limit is a non-contractual courtesy granted after your account has been open for 30 days.
Because using Member Privilege can become costly at $28 per use, we encourage you not to rely on this service too regularly. The best way to avoid these charges is to be sure you always have enough in your account to cover your transactions. If you are having trouble making ends meet, AmeriCU offers other, less expensive methods to help you make sure your checks or withdrawals are honored, including:
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Access your accounts from your desktop or mobile, without ever having to visit a Financial Center, and take advantage of a variety of eServices!
An Interactive ATM operates similarly to your every day ATM with one, new difference – you can now chat directly with an AmeriCU representative during regular business hours and perform virtually any transaction
Here, you can do nearly anything virtually that you can do inside one of our Financial Centers, including talking with a live member of our team! It’s convenient, easy, and available wherever you go.
AmeriCU Credit Union is excited to announce its support of Zoo New York’s Mobile to bring the wonders of the animal kingdom directly to our community. The Zoo Mobile offers a wide variety of educational experiences that allow the zoo to come to you.
Each year AmeriCU is a proud supporter of the $100,000 Miracle Drawing to benefit CMN Hospitals at MVHS which helps sick and injured children in our community.
Your credit can have a big impact on your financial life. Credit scores and reports provide a snapshot of the financial habits that financial institutions, cell phone companies, credit card companies, and others use to get a sense of your creditworthiness.
*Please note: Member Privilege coverage on ATM and one-time debit card transactions requires members to opt into this portion of the program. Coverage for ACH, checks and recurring debit card transactions are automatically added to eligible accounts.
1Please refer to our Member Privilege Policy for definitions of good standing.
Member Privilege is a non-contractual courtesy which is available to individually/jointly owned accounts in good standing for personal or household use. AmeriCU Credit Union reserves the right to limit participation to one account per household and to discontinue this service without prior notice. AmeriCU Credit Union reserves the right not to pay if your account is not kept in good standing. When you request your balance, the Member Privilege limit will NOT be included in the balance we provide to you.