Media Members Federal Credit Union Home Page

 Teller Line (Audio Response): 1-800-388-8380 | Email us at info@mediamembers.org

Main Office:
800 River Road | Conshohocken, PA 19428
Phone: 610.292.6762 | Fax: 610.292.6737


Center City Branch:
801 Market Street | Philadelphia, PA 19107
Phone: 215-854-4460 | Fax: 215-854-2824

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OVERDRAFT COVERAGE OPTIONS:
Overdraft Privilege AND OVERDRAFT PROTECTION

Extended Coverage Consent Form

Dear Member,

Life happens! Media Members Federal Credit Union understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.

Financial Education

Overdraft Coverage Options
The choice is yours. Consider these ways to cover overdrafts:


Service

Cost

Overdraft Protection Link to Another Deposit Account you have at Media Members Federal Credit Union1

No charge per transfer for the first six transfers in a month, $30.00 per transfer thereafter.

Courtesy Pay

$30 Courtesy Pay Fee per item.

1Call us at (610) 292-6762, email us at info@mediamembers.org, or come by a branch to sign up or apply for these services.

Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another deposit account you may have at Media Members Federal Credit Union.

Courtesy Pay allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Courtesy Pay is still available as secondary coverage if the other protection source is exhausted. 


Transactions Covered with Overdraft Privilege

Standard Coverage
(No action required)

Extended Coverage
(Your consent required on consumer accounts) *

If you would like to select Extended Coverage for future transactions:

  • call us at (610) 292-6762,
  • complete the online consent form found at www.mediamembers.org,
  • visit any branch,
  • complete a consent form and mail it to us at 800 River Road, Conshohocken, PA 19428, or
  • e-mail us at info@mediamembers.org

Checks

X

X

ACH - Automatic Debits

X

X

Recurring Debit Card Payments

X

X

Online Bill Pay Items

X

X

Internet Banking Transfers

X

X

Telephone Banking

X

X

Teller Window Transactions

X

X

ATM Withdrawals

 

X*

Everyday Debit Card Transactions

 

X*

*If you choose Extended Coverage, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Extended Overdraft Privilege coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage.

You can discontinue the Overdraft Privilege in its entirety by contacting us at (610) 292-6762 or sending us an e-mail at info@mediamembers.org.

What Else You Should Know

  • A link to another deposit account is a less expensive option than an overdraft. A single larger overdraft will result in just one fee, as opposed to multiple smaller overdrafts. Good account management is the best way to avoid overdrafts.  Use our Internet banking, and telephone banking services to keep track of your balance.
  • The $30 Courtesy Pay Fee is the same amount that is charged if a check is returned as unpaid. If multiple items overdraw your account on the same day, each item will be assessed an appropriate Courtesy Pay Fee or a Return Draft NSF Fee of $30. All fees and charges will be included as part of the Courtesy Pay limit amount. Your account may become overdrawn in excess of the Courtesy Pay limit amount as a result of a fee.
  • We generally post items in the following order: 1) Credits, 2) ATM and Point of Sale transactions (as presented in real time), 3) ACH debits (as presented in real time), 4) checks (smallest to largest dollar amount); however, exceptions will occur. Holds on funds (described below) and the order in which transactions are posted may impact the total amount of Courtesy Pay Fees or NSF Fees assessed.
  • Although under payment system rules, Media Members Federal Credit Union may be obligated to pay some unauthorized debit card transactions, Media Members Federal Credit Union will not authorize debit card or ATM transactions unless there are available funds (including Overdraft Coverage Options) to cover the transactions and any fee(s).
  • Giving us your consent to pay every day debit card and ATM overdrafts on your consumer account may result in you incurring Courtesy Pay Fees for transactions that we would otherwise be required to pay without assessing a Courtesy Pay Fee. However, this would allow us to authorize transactions up to the amount of your Courtesy Pay limit and may also help you avoid overdrafts in excess of your available funds that could result in restriction of your debit card. 
  • Media Members Federal Credit Union authorizes and pays transactions using the available balance in your account. The available balance is comprised of the ledger balance (collected funds) less any debit card holds, and does not include any deposited funds on hold. Media Members Federal Credit Union may place a hold on deposited funds in accordance with our Disclosure of Account Terms. If the funds in the available balance are not sufficient to cover a transaction, any available overdraft protection and/or the amount of the Courtesy Pay limit, may be used to authorize and pay a transaction.
  • Please be aware that the Overdraft Privilege amount is not included in your balance provided through online banking, mobile banking or Media Members Federal Credit Union’s ATMs.
  • Media Members Federal Credit Union will place a hold on your account for any authorized debit card transaction until the transaction settles (usually within two business days) or as permitted by payment system rules.  In some cases, the hold may exceed the amount of the transaction.  When the hold ends the funds will be added to the available balance in your account.  If your account is overdrawn after the held funds are added to the available balance and the transaction is posted to the available balance, a Courtesy Pay Fee may be assessed.
  • Except as described in this letter, Media Members Federal Credit Union will not pay items if your account does not contain available funds (including the Courtesy Pay limit) to cover the item(s) and the amount of any fee(s).
  • We may restrict your debit card use if you incur overdrafts in excess of the available funds in your account, including any Courtesy Pay limit. If you use your debit card for recurring payments, e.g., utilities, and your debit card is ever suspended, these transactions will be declined or returned to the payee(s). You will need to make other arrangements to make these payments to the payee(s).
  • A Courtesy Pay limit of $500 is available for eligible Personal Checking accounts at account opening.
  • Courtesy Pay is not a line of credit; it is a discretionary overdraft service that can be withdrawn at any time without prior notice.
  • Courtesy Pay may be discontinued if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within thirty-two (32) days for a minimum of one business day.
  • Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all overdraft and fee amounts, as described in the Disclosure of Account Terms. The total (negative) balance, including all fees and charges, is due and payable upon demand. 
If you have any questions about Overdraft Protection or Courtesy Pay, please call us at (610) 292-6762 or visit a branch.

 

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