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®2010 - 2014Texasgulf FCU              2101 N. Fulton St.   Wharton, TX  77488                                                         1313 West Loop, El Campo, TX  77437
                                                                (979) 282-2300                                    Toll Free (800) 647-8428                          (979) 578-9000
FEDERALLY INSURED BY NCUA
What You Need to Know about Overdrafts and Overdraft Fees
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:
  1. We offer standard overdraft practices that come with your account
  2. We also offer overdraft protection through a link to your savings account, which may be
    less expensive than Courtesy Pay.  To learn more, ask us about this plan.


THIS NOTICE EXPLAINS OUR STANDARD OVERDRAFT PRACTICES.

What are the standard overdraft practices that come with my account?
We do authorize and pay overdrafts for the following types of transactions:
  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We
do not authorize and pay overdrafts for the following types of transactions:
  • ATM transactions
  • Everyday debit card transactions

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.

What fees will I be charged if Texasgulf FCU pays my overdraft?
Under our standard overdraft practices:
  • We will charge you a fee of $20.00 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account.

What if I want Texasgulf FCU to authorize and pay overdrafts on my ATM and everyday debit
card transactions?
If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions print
this page for your records, complete the information below, and click submit.


Please note that your selection will not become effective until December 31, 2012.  

You have the right the to revoke your decision at any time.
You may do so by calling us at (979) 282-2300 in Wharton, (979) 578-9000 in El Campo, or toll
free 1-800-647-8428, or by sending us an email with "Courtesy Pay Opt-out" written in the
subject line to
info@texasgulffcu.org.
By clicking the Submit button, you agree to the terms and conditions of Courtesy Pay, agree that  you have printed this page to keep
for your records and agree that  you have received a copy of our
Courtesy Pay Policy.
Wharton County's Credit Union
You need Java to see this applet.
If you do not know your member
number, please contact us