Please be alert of spoofing and fraudulent calls. FTWCCU will NEVER call, email, or text asking for your online banking credentials or any of your secured financial information. If you aren't sure, hang up and call us directly at (817)835-5000.
Overdraft Protection
Overdraft Protection – You can set up overdraft protection to automatically transfer funds from a deposit account in case your checking account balance will not cover the transaction. There is a fee associated with this service. Access Line of Credit transfers and Prime Advantage Savings account holders are excluded from this fee.
NSF Proof Privilege –The Credit Union may* pay overdrafts for the following types of transactions from your checking account:
- Checks, ACH withdrawals, Bill Pay payments, Recurring debit card transactions (e.g., monthly bills charged to your card)
When you utilize this service, a fee will be assessed for each item that exceeds your available balance.
- We will charge you a fee of up to $32 each time we pay an overdraft.
- You have 30 days to bring the checking account to a positive balance.
Debit/ATM Proof Protection (Reg E) – We will not authorize and pay* overdrafts on your everyday debit card or ATM transactions unless you provide us with your consent to do so. When you utilize this service, a fee will be assessed for each item that exceeds your available balance.
- We will charge you a fee of up to $32 each time we pay an overdraft.
- You have 30 days to bring the checking account to a positive balance.
*We pay overdrafts at our discretion. This means we do not guarantee we will always authorize and pay any type of transaction when there is not enough money available in your checking account or designated overdraft protection account to cover the item.
For more information - Overdraft Protection Form
For more information - Debit/ATM Proof Protection (Reg E)
