Special Considerations to Service Pricing
Consumer Members: Please visit adviacu.org/advantageplus to learn about how you are eligible to earn up to $10 Advantage Bucks each month to offset select service charges. Members under age 25 and age 60+ and Representative Payee type accountholders automatically qualify for free paper statements, money orders, cashier’s checks and printed checks (limited style and to no more than two (2) boxes annually).
Business Members: If business relationship with aggregate relationship of $50,000 or more, qualifies for 100% off Interest Bearing Maintenance Fee, 50% off Transaction Charges and free paper statements; if Sweep Business relationship, qualifies for 100% off Interest Bearing Maintenance Fee, 100% off Transaction Charges, free overdraft transfers and free paper statements.
- The ATM operator may charge you a fee for each ATM transaction. The ATM operator may treat each balance inquiry and withdrawal as a separate ATM transaction even if they are conducted during the same ATM session. This means you may be charged multiple fees for multiple transactions during the same ATM session. For example, if you use a non-Advia CU ATM to obtain your balance you may be charged a fee and you may be charged a separate fee if you conduct a withdrawal transaction from the ATM during the same session.
- Courtesy Pay Coverage on Overdraft. Your account has two kinds of balances: the actual balance and the available balance. We use the available balance to determine whether a transaction will overdraw your account, be returned or declined, and for determining when an overdraft (Courtesy Pay) or NSF (Returned Item) fee will be imposed. Your actual balance reflects transactions that have posted to your account but not transactions that have been authorized and are pending (including debit card transactions). Your available balance represents your actual balance minus any holds on your account, such as debit card transactions that have been authorized but are pending final settlement or holds for checks you have deposited. You are responsible for ensuring your available balance is sufficient to cover all of your transactions. You can review your actual and available balances when you review your account online, at an ATM, by phone, by mobile application, or at a branch. For additional information on your available balance, please review the Courtesy Pay Overdraft Protection and Your Account program description and contact us if you have any questions.
- Returned Item (Debit, Draft/Check, Electronic Fund Transfer). We use your available balance to determine whether an item will be paid or returned. We will charge you a Returned Item fee each time an item is presented for payment even if the same item is presented for payment multiple times. We do not control when (and how often) an item is presented to us for payment. You may be charged multiple Returned Item fees for one item (for example, one check or one ACH debit) if that item is presented and returned more than once. All service charges subject to change. NSF – Non Sufficient Funds; ATM – Automatic Teller Machine; ACH – Automated Clearing House.