Checking Products
The Perfect Checking Account for Your Needs
| Account Features | Classic Checking | Stars+ Checking | Platinum |
|---|---|---|---|
| Online Home Banking | |||
| Mobile Banking App | |||
| e-statements | |||
| Bank-by-Phone | |||
| Instant Issue Debit/ATM Card | |||
| Overdraft Privilege* | |||
| Unlimited Check Writing | |||
| Free Cashier's Checks Per Month | 2 | 3 | 5 |
| Overdraft Transfer Protection | zero-fee | ||
| Dividends Earned | |||
| Free Temporary Checks** | |||
| Minimum Balance Fees | $5 for balance <$500 | Free | $10 for balance <$1500 |
*After 60 days for new accounts
**On a limited basis
Membership Benefits FAQs
- Debit Card
- Overdraft Protection
Overdraft protection allows funds to be transferred from your regular share accounts to your share draft account in case there is not sufficient funds at the time of share draft posting.
There is also a special overdraft protection loan, which must be applied for and approved first. This open end loan is meant to cover any case of insufficient funds.
Automatic transfers enable you to set up regular monthly transfers to automatically take place on your accounts and loans.
For instance you can set up for funds to transferred from your share draft to your share account, or vice versa, every month. You can also transfer to other accounts such as your children’s separate STFCU accounts that you are not under your name.
The same can be done for any open loans you might have at the credit union, an automatic transfer will take money from your regular share accounts and pay your STFCU loan on the due date or any time after (if funds are not available on due date). This loan payment option is very useful especially for those of us who sometimes forget our due dates because of our busy schedules.
With direct deposit, you can arrange for your regularly recurring income such as paychecks, Social Security, retirement, veteran’s benefits to be deposited into your share or share draft account at the credit union.
This service not only saves you the trip to the credit union to deposit funds but also excludes you from all monthly share and share draft account fees.
The depositing institution or business will have to be notified by you that you wish to have your funds deposited to your STFCU account. Once that is done your funds will be deposited automatically without further intervention by you.
The Board of Directors, as required by law, reviewed and set the rates effective January 1, 2022. Risk based lending guidelines are followed as per federal regulation. Rates are subject to change without prior notice. For further information regarding applicable fees and terms, contact an employee at any South Texas Federal Credit Union office.
