Oops! Your account was not found, Please try again or contact the Credit Union for help.
ATM Overdraft Opt-In
Overdrafts and Overdraft Fees
In an effort to save our members excessive overdraft charges, Franklin Johnstown FCU previously offered our members overdraft protection plans. The Federal Reserve Board has issued new rules regarding overdrafts which became effective July 1, 2010. To continue receiving overdraft protection on all of your transactions you must sign and return the authorization form.
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:
We have standard overdraft practices that come with your account.
We also offer overdraft protection plans, such as a link to your share account, which may be less expensive than our standard overdraft practices.
Our standard overdraft practices authorize and pay overdrafts for a $30 fee per overdraft for the following types of transactions:
Checks and other transactions made using your checking account number.
Automatic bill payments.
Effective July 1, 2010, we will not authorize and pay overdrafts for the following types of transactions UNLESS YOU AUTHORIZE US TO BY SIGNING AND RETURNING THE AUTHORIZATION FORM.
Everyday debit card transaction
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.
To authorize and pay overdrafts on your ATM transactions and everyday debit card transactions at Franklin Johnstown FCU you may print the application & return it to a FJFCU location.
Our site contains hyperlinks to other web sites operated by third parties. These links will take you away from our site. Please note that we do not guarantee the accuracy or completeness of any information presented on these sites nor do we represent either the third party or our member if the two enter into a transaction. The third party's privacy and security policies may differ from those practiced by the credit union. We encourage our members to know when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. Our Privacy Statement applies solely to information collected by our Web site.