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Member Privilege Overdraft Protection
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If you have a checking account in “good standing” with the Credit Unionyou most likely have Member Privilege overdraft protection. Member Privilege is available for covering overdrafts created at the teller window, ATM, a POS transaction, on-line banking and telephone banking. The overdraft limit is either $200 or $500 (if you have direct deposit of your paycheck). The limit will NOT be included in the balance provided during an inquiry. If you have any questions about Member Privilege please contact any member services representative.
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Tiered Share Draft Checking
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Provides free services to members who maintain a regular share account and have one or more of the following: Direct Deposit, E-statements or $10,000 or more on deposit. dividends are paid based on account balance.
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SureDraft Account
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For those who do not wish to carry a minimum account balance or receive dividends, we offer our basic SureDraft Account. Purchase your share drafts from our large selection of colorful custom checks. Overdraft Protection is also available.
This convenient service is available to all qualified members. Ask the credit union for your application when opening a share draft account. Although overdraft protection is to help prevent non-sufficient funds charges, you may also borrow any unused overdraft protection funds as a pre-approved loan and not be required to pay a cash advance fee.
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SuperDraft Account
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Compare your current checking account to our SuperDraft Account.If you maintain our minimum balance requirement, $300, your checking account will not be charged a monthly fee. If you order our basic checks, we'll even provide your checks at no charge. (A selection of custom checks are also available for a small fee.)
On those accounts which meet the minimum balance requirement, we pay interest (dividends) on each days ending balance. This ensures that you receive more on your deposits than most financial institutions offer. Checking just doesn't get any cheaper than our SuperDraft Account!
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Checking Accounts
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Because of today's busy lifestyle, members demand access to their funds, anytime, and from anywhere. We offer a complete package of electronic services that compliment checking account services and make your lifestyle more relaxed. At Forest Park Federal Credit Union, you'll find our way of doing business is simple, convenient, and member service oriented. That's why we only offer two types of checking accounts. The SuperDraft Account is our value added, full service checking account, that most members select. Our SureDraft Account is for those that only desire minimal features with their checking account.
No matter which account you choose, both offer the additional features of 24 hour access to your checking funds, overdraft protection for those who qualify, and our Check/Cash All-in-One (Debit Card). Please request these additional services when you open your checking account.
To Reorder Checks, Click Here!
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Individual Retirement Accounts
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Because of tax advantages the federal government allows on these safe federally insured savings accounts, an IRA is a must for the wise, long term retirement investor. Check with your tax advisor or accountant regarding the advantages of this popular account. Unlike many banks or investment administrators, Forest Park FCU charges no annual fee to maintain your IRA account, and all IRA funds are insured by the NCUA, a U.S. government agency, up to $250,000 per account.
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Savings Accounts
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Forest Park management reviews local passbook saving rates weekly to ensure members receive a competitive rate on all savings accounts. Savings are the main source of funds for all credit union low interest loans. A special savings account can be set up to fund future college tuition, property taxes, Christmas accounts, long term retirement accounts, or for any purpose you choose.
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Check/Cash All-in-One Card (Debit Card)
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Use your Check/Cash All-in-One card for retail purchases instead of writing a share draft, anywhere Visa is accepted. It's faster, more convenient, and you'll never run out of checks. Your Check/Cash card is also an ATM card should you need cash, and it's your check guarantee card. Don't leave home without it.
Click here to learn more about the Check/Cash All-in-One Card.
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TeleTouch 24
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Enjoy access to all of your credit union accounts, 24 hours a day, 7 days a week, from anywhere in the world, by using a touchtone telephone. Transfer funds between accounts, verify deposits, transact checking or savings withdrawals, verify cleared checks, or even inquire about loan balances.
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Direct Deposit
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Everyone appreciates the safety and convenience of direct deposit. No more waiting in line each payday to cash a check, your check is already deposited and ready to access. Employees and retirees may direct deposit social security, railroad retirement, civil service retirement, VA compensation, or any other funds to their account. Access and transfer of funds to various accounts may be made through our teletouch phone service (24 hours a day), by check, through an ATM machine, by using your Check/Cash Debit Card, or by visiting either branch location.
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