Your SPXFCU MasterCard Debit Card – It’s your lifeline to your money. Use your Debit Card at an ATM, or like a credit card, it draws the money directly from your checking account. No more check cashing hassles – accepted anywhere you see MasterCard logo or corresponding networks like Money Pass or Pulse.

• It’s more convenient than writing a check. Just sign and go!
• Your purchase is automatically deducted from your account.
• Point of Sale transactions are absolutely free. International transactions may include a fee.
• Use your card at a SPXFCU ATM and you get a surcharge FREE ATM transactions*.
• Safer than carrying cash – MasterCard’s Zero Liability policy means if your card is ever lost or stolen, you’re covered.
• Use your receipt for easy record keeping. Details of your transactions are also available with iBanking.
• Visit moneypass.com to find a surcharge free ATM near you!

With our ATM card, enjoy 5 free transactions at our ATM or one of the many network ATMs.

• Use it 24/7 to access your account.
• Check your balance or transfer funds right at the ATM.
• Surcharge free ATM transactions are available at the following credit unions:
• ESL FCU, Summit FCU, Reliant FCU, Advantage FCU, Pittsford FCU and Family First FCU
• The perfect complement to your SPXFCU account.

After hours or even during hours – use our “AnswerPlus” telephone access system – the connection to your accounts.

AnswerPlus 1-888-347-0724

• It’s Quick! Just pick up a touch-tone telephone. One call does it all!
• It’s Convenient! No matter where you are, you can access your accounts, day or night, 7 days a week.
• It’s Easy! A voice prompt will guide you through the entire process.
• It’s Confidential! Conduct your transactions from the privacy of your home or office.

With one quick toll-free call you can:

• Request account balance and activity information
• Inquire which checks have cleared through your account
• Verify deposits or withdrawals, ATM/Debit transactions
• Transfer funds between checking, savings, and line of credit accounts
• Request payment and balance information on your loans

Here is a quick reference guide to help you navigate through the system:

• Entering Currency
  Currency is entered by using the star (*) key as the decimal. For instance, if you wish to enter $275.30, you would enter 275*30 on your touch tone phone.
• Confirming Transactions

In general, the # key is used to confirm a transaction, and the * key to cancel

SPXFCU offers several helpful ways to manage and avoid overdrawing your checking account. Each overdraft protection service will provide you peace of mind and help to:

• Avoid bouncing checks
• Avoid merchant late fees and returned item fees
• Eliminate the embarrassment of returned checks
• Eliminate the need to make alternate payment arrangements
• Protect your credit rating

Option #1 Overdraft Line of Credit

This overdraft protection option offers members the flexibility of a line of credit. If you do not have enough funds in your Checking Account when a transaction occurs, SPXFCU will take the funds from your Overdraft Line of Credit to cover the transaction. Instead of being charged a service fee for each transaction, you are only paying a few dollars in interest and have available credit. You must apply and be approved for an Overdraft Line of Credit. Certain terms and restrictions may apply.

Option #2 Courtesy Pay

Courtesy Pay is an overdraft protection service that can be used with your checking account. Courtesy Pay allows eligible checking account holders to overdraw their checking account up to a specified limit in order to avoid bounced checks, returned automatic withdrawal (ACH) and Online Bill Payments. Courtesy Pay will also cover debit card transactions; however only if you opt-in to this additional service.

How does it work?

• Each checking account is assigned an overdraft limit of $500.00
• When a transaction is presented for payment and there are not enough funds in the account to cover the item, Courtesy Pay allows the transaction to be processed and overdraws the account by the amount of the transaction PLUS the fee – See our fee schedule for current fees.
• Courtesy Pay works in conjunction with any other overdraft protection option you have. It takes effect if your Overdraft Line of Credit and Savings Account have insufficient funds.
• Courtesy Pay is not a loan and requires no application or credit approval. Any new checking accounts will automatically be enrolled as soon as they meet the enrollment criteria. However, if you want Courtesy Pay to cover Debit Card transactions you must opt-in and meet the enrollment criteria below.

Enrollment Criteria:

• You must be a member in good standing;
• You must be 18 years of age or older (custodian and guardian accounts are not eligible);
• Your checking account must be open for a minimum of 60 days;
• Delinquent, late, or charged-off loans are not eligible;
• You cannot have any legal or administrative orders, including attachments, garnishments, or levies against your accounts;
• You cannot have any pending bankruptcies or financial counseling arrangements.

Option #3 Savings Transfer

If you do not have enough funds in your checking account when a transaction occurs but funds are available in your savings account, we can transfer the funds from your savings account to cover the transaction. There is a a nominal fee for each transfer and you must have money in savings in order for the transfer to occur. You may request this service at account opening.  Refer to our Membership Account Fee Schedule for account transfer service charges.

Member Account Fee Schedule

Fee Schedule Eff 1.1.19

This fee schedule (Fee Schedule Eff 1.1.19) includes charges applicable to regular share, share draft, money market accounts as well as specific charges for the services outlined below. This schedule is effective as of 1/1/2019. This schedule is incorporated as part of your account agreement with SPXFCU. You will be notified of changes to these fees.

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