First Choice Community Credit Union
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The Choice is Yours... How to Keep Your Debit Card Member Privilege  

A new regulation requires us to make some changes to services on your account. Effective August 15*, the everyday purchases you make with your debit card and your ATM transactions will no longer be covered by our Member Privilege service. If you do not have enough money in your account, the funds are not yet available, or you do not have enough to transfer from your savings or Line-of-Credit your card will be denied.
If you want to continue to have this safety net in case of an emergency, you must let us know you want this service or you will lose this flexibility. Please contact a credit union office to inform us of your choice or if you have any questions.
Main Office Knoxville – 865-637-0112
Mascot Office – 865-933-7442
Please take the time to consider the ways you use your account and debit card and make the choice that is right for you and your family.
Member Privilege is a convenient service that provides you and your family with financial flexibility in times when you may not have sufficient funds in your account.
Examples of everyday debit card purchases are:
• Grocery Stores
• Restaurants
• Gas Stations
• Doctor Office
• Pharmacy
• Dry Cleaner
• Anytime you use your debit card for a one-time transaction
Disclosure copy: * The effective date of the change is August 15, 2010 for accounts opened before July 1, 2010.
For accounts opened after July 1, 2010 the effective date of the change is July 1, 2010. Beginning August 15, 2010, we will not authorize and pay overdrafts on ATM and everyday debit card transactions without account holder consent. An overdraft (OD) fee or insufficient funds (NSF) fee of up to $25.00 will be charged for covering overdrafts that result in a negative balance. Overdrafts may be created by check, ACH, online banking transactions, phone transactions or other electronic means. Recurring debit card transactions (payments that are set up to bill and pay automatically) such as automatic draft from your health club or insurance company may continue to be covered by your overdraft service. Once an overdraft has occurred you are required to bring your account to a positive balance within 30 days. We reserve the right not to pay if your account is not in good standing. Contact us if you have questions.
First Choice Community Credit Union - June 2010