The Perfect Checking Account for Your Needs
|Account Features||Classic Checking||Stars+ Checking||Platinum Checking|
|Free 24/7 Access to Home Banking||Yes||Yes||Yes|
|Free Mobile Banking||Yes||Yes||Yes|
|Issue Debit/ATM Cards||Yes||Yes||Yes|
|Overdraft Privilege *||Yes||Yes||Yes|
|Unlimited Check Writing||Yes||Yes||Yes|
|Free Cashier's Checks Per Month||3||5||10|
|Overdraft Transfer Protection||Yes||Yes||Zero-Fee|
|Savings on Safe Deposit Box||-||10%||25%|
|Free Temporary Checks **||-||-||Yes|
|Free Coin Verification||-||-||Yes|
|Free Accidental Death Insurance||-||-||Yes|
|Dividends Earned ***||-||Yes||Yes|
|Minimum Balance Fees||$5 for balance < $500||Free||$10 for balance < $1,500|
|Become A Member||Become A Member||Become A Member|
Visa Check Card
Additionally, your Check Card functions as an enhanced ATM card that can be used at thousands of ATM locations around the world.
You will save time and money since there is no check to write or time spent waiting for check approval.
Your privacy is protected by not having to present additional ID that shows your address, phone number or checking account number.
You will receive a receipt immediately with your transaction. The details will show up on your checking account statement, listing the date and location of every debit card transaction.
Unlike a credit card, there are no finance charges or late fees: however, if your account is overdrawn, overdraft fees may apply.
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.
As long as you maintain your share draft (checking) account in good standing, South Texas FCU may elect to pay your overdraft checks rather than returning them unpaid.
You will still be charged the regular service fee of $30 for insufficient funds. But, this service enables you to avoid the additional vendor charges associated with an overdraft.
- Share draft account has been open for at least sixty (60) days.
- Once your account is overdrafted, you must bring the account to a positive balance within thirty (30) days for a minimum period of twenty four (24) hours.
- There must NOT be any loan, credit card, or other obligation to South Texas FCU in default status.
- Account must not be subject to any legal or administrative order or levy.
- Account must have a current and verified address and phone number.
This service is reserved for employees of school districts who have their paychecks deposited to their STFCU account by their school district automatically each month.
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.
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 May 31, 2017. 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.