As of April 1, 2012 all
checking accounts will be enrolled into a "NEW" standard overdraft
practice called Courtesy Pay. We will authorize and pay overdrafts
for checks, transactions made using your checking account number and
automatic bill payments conducted with your account.
If you would like us to
pay ATM transactions and everyday debit card transactions you will
need to Opt-In using the our Courtesy Pay Opt-In Form.
If you would not like to take advantage of this great service, you
can easily Opt-Out with our form below. We also offer you the
opportunity to lower your $500 Courtesy pay limit by using the
Opt-Out form also.
limit daily for a Pin-based transaction using your Master Money
Debit Card is $1,000. In other words any purchase or ATM withdrawal
which requires the use of your PIN will not be able to surpass
$1,000 for that day.
Your debit card can also
be used for credit card type transactions where no PIN is necessary
once you select “credit” at the Point Of Sale. The limit daily for
this transaction is $2,500. It is recommended that you use this for
most purchases if possible which will allow you to have more funds
at your disposal for the day. This also includes any method of
payment that requires your Debit Card number.
Maintaining a check
register is an excellent way to balance your checking account.
This allows you to record any withdrawals and deposits from the
available amount keeping in mind what your new balance ought to be.
Making use of the
Online Banking and STAR (phone) service is a great help in more ways
than one. This allows you to find out what cleared the account.
We encourage you to use this system to check balances as well. This
way you can avoid that $1 fee charged each time there is a balance
Opting in to Courtesy
Pay. A new service now offered by your credit union to alleviate
the stress of incoming payments. We have automatically enrolled all
our members, and incoming checks and other checking accounts debits
will be covered up to $500. Opting in will also cover your every day
debit card transactions up to $500 (including the minimal
transaction fee of $25).
NYTEAM FCU assumes no responsibility for the content or information
contained within the below linked references or any others contained
within our site.
This is a private computer system and is the property of NY TEAM
Federal Credit Union. Users (authorized or unauthorized) have no
explicit or implicit expectation of privacy.
Any or all uses of this system and all files on this system may be
intercepted, monitored, recorded, copied, audited, inspected, and
disclosed to authorized site, NY TEAM Federal Credit Union, and law
enforcement personnel as well as authorized officials of other
agencies, both domestic and foreign. By using this system, the user
consents to such interception, monitoring, recording, copying,
auditing, inspection, and disclosure at the discretion of authorized
site or NY TEAM Federal Credit Union personnel.
Unauthorized or improper use of this system may result in
administrative disciplinary action and civil and criminal penalties.
By continuing to use this system you indicate your awareness of and
consent to these terms and conditions of use. LOG OFF IMMEDIATELY if
you do not agree to the conditions stated in this warning.
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