The forms below will make the transition easier.
You work hard for your money, and you know it makes sense to protect it and save it. Choice Checking helps keep your money safe and offers sound money-saving benefits, so you can feel secure.
A $5.00 per month fee will apply. However, we’ve made it easy to waive this monthly fee.
If you have the following services you will get all of the benefits of IDProtect at no cost:
No matter how you like to bank, we have the perfect account for you.
Life happens! West Community Credit Union understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help. Overdraft Privilege is not a line of credit. However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to your Overdraft Privilege. We will not pay overdrafts for ATM or everyday debit card transactions unless you have given your consent by opting in to the payment of these overdrafts. See complete details below. Opting in is easy! Simply complete the Extended Coverage Consent Form and return it us!
1Contact us at (636) 720-2400 or email@example.com, or visit a branch to sign up or apply for these services; 2subject to credit approval; 3Annual Percentage Rate (subject to 12 C.F.R. § 1026.16[b]).
OVERDRAFT PROTECTION services apply to all types of transactions and allows you to link other sources, such as another account or line of credit, at West Community Credit Union to your checking account to pay an overdraft transaction for a fee or finance charge. Please note that overdraft lines of credit are subject to credit approval.
OVERDRAFT PRIVILEGE allows you to overdraw your account for a fee in order to pay a transaction.
*If you choose Extended Coverage, all the transaction types listed in Standard Coverage are included, along with ATM withdrawals and everyday debit card transactions. Business accounts automatically have Extended Coverage.
You can discontinue the Overdraft Privilege in its entirety by visiting a branch, contacting us at (636) 720-2400 or sending us an e-mail. If you already have Extended Overdraft Privilege coverage, it is not necessary to request it again.
If you would like to select Extended Coverage for future transactions:
Extended Coverage Consent Form
Savings Transfer – To save you time and money, West Community Credit Union has the ability to automatically transfer available funds from your savings account to your checking account to cover insufficient funds. A transaction fee of $5.00 will be applied to each transfer. Federal Regulation D transfer limitations apply. Refer to Truth and Savings Disclosure for additional information.
Overdraft Line of Credit – Apply for a personal Overdraft Line of Credit Loan for your checking account to cover insufficient funds. A $5.00 daily transaction fee will apply if an overdraft transfer(s) is made.
Annual Percentage Rate of 12.9% APR. All Lines of Credit are subject to approval with an Annual Percentage Rate. Terms and conditions may vary based on creditworthiness qualifications. Rates, terms, and conditions are subject to change. Refer to a Member Service Consultant for additional information.
If you have any questions about Overdraft Protection or Overdraft Privilege, please call us at (636) 720-2400 or (800) 500-6860, or visit a branch.
Insurance products are not a deposit; not NCUA insured; not an obligation of credit union; and not guaranteed by credit union or any affiliated entity.
We’re proud to offer our new Choice Checking account with IDProtect® Identity Theft Protection Service1. This is our proactive step to protect you and your family from identity fraud.
Choice Checking account holders can register for IDProtect, and all the benefits listed below, at our e-Club site. Set up protective measures for you and your joint account owners today!
IDENTITY THEFT EXPENSE REIMBURSEMENT COVERAGE2Receive up to $10,000 to help pay expenses, clear your name and repair damaged credit, should you become the victim of identity fraud.COMPREHENSIVE IDENTITY THEFT RESOLUTION SERVICESShould you suffer identity theft, your very own IDProtect fraud resolution specialist will help you every step of the way until your credit and identity are completely restored.DEBIT AND CREDIT CARD REGISTRATIONRegister your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards. (Registration at our e-Club site and activation required.). 3-IN-1 CREDIT FILE MONITORING IDProtect will monitor your Equifax, Experian and TransUnion credit files daily, and automatically alert you if key changes occur. (Registration and activation at our e-Club site required.)3-IN-1 CREDIT REPORTRequest a free, updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single bureau credit score. (Registration and activation at our e-Club site required.)TOTAL IDENTITY MONITORING Continuous monitoring of over 1,000 databases (Registration and activation at our e-Club site required.)A $5.00 per month fee will apply. However, we’ve made it easy to waive this monthly fee!
ATM & Shared Branch Locator
Phone: (636) 720-2400 Email: firstname.lastname@example.orgView Options
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