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Annual Meeting & BOD Election
The 65th Annual Meeting of the Credit Union will be held on Thursday, April 5, 2012. All members in good standing are eligible to vote in the election.
 

  

Overdraft Services

Due to amendments in U.S. Regulation E, also known as the Electronic Funds Transfer (EFT) Act, the way we authorize overdraft payments on your account will change.

To continue to benefit from overdraft protection, we encourage you to OPT-IN to have overdraft service for ATM and everyday Visa® Debit Card transactions.

Protect Yourself from Overdrawing Your Account

Always remember to maintain sufficient balances in your account to cover your transactions. In the case of oversight, BFSFCU offers the following services designed to help protect members from overdrafting on their accounts.

  • e-Alerts: Receive email alerts to inform you when your account goes below a certain amount and use them as reminders to deposit or transfer money to your checking account. Simply log on to Online Banking, access the Self Service menu and click on the link: e-Statement Enrollment.
  • SafetyLink: As a free service, SafetyLink will transfer available funds from a savings accounts to cover checking account balance shortfalls up to 6 times per month. Enroll through Online Banking under the Accounts tab or download and complete the the SafetyLink Enrollment Form.
  • Line of Credit: This open-ended loan can cover overdrafts after your 6 SafetyLink transfers have been exhausted for the month. Apply now.

As a final measure, opt-in to overdraft service for ATM and everyday Visa® Debit Card transactions.

How Much Does the Overdraft Service Cost?


The only cost to you will be a $25 flat fee charged for each overdraft paid. Our overdraft service has:
  • NO enrollment fees
  • NO annual or monthly fees
  • NO maintenance fees, which means you pay nothing if you don't overdraw funds

The Choice is Yours

Contact us to opt-in to overdraft service on ATM and everyday Visa Debit Card transactions; we are available 24x7 at (202)212-6400.

If you ever change your mind, you always have the right to revoke and the overdraft service can be removed from your account by giving us a call.

What you need to know about overdrafts and overdraft fees

Overdraft Service FAQs
FAQWhat is Regulation E?
FAQHow will the recent amendments affect my account?
FAQWhat is an overdraft?
FAQWhich EFT transactions does Reg E impact?
FAQWhat is the difference between “everyday” and “recurring” debit transactions?
FAQWhat about my other transactions, like written checks, Online BillPay payments or ACH transfers?
FAQIs there a fee to opt in?
FAQHow do I opt in?
FAQWhat if I have more than one BFSFCU account?
FAQWhen my ATM or Visa Debit Card expires, do I have to choose to opt in or opt out again?
FAQCan I make it so that I am opted in but the joint person on my account is opted out?
FAQIf I opt-in, will you cover all of my overdrafts?
FAQCan I change my mind after I opt in?
FAQWhat happens if I choose not to opt in?

Quick Links

BFSFCU Info
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Tel: (202) 212-6400 | Fax: (202) 683-2380
US & Canada Toll Free: 1-800-9-BFSFCU
View International Toll Free Numbers
ABA/Routing & Transit Number: 2540-7417-0


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Your Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - NCUA - National Credit Union Administration, a U.S. Government Agency Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

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