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You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


United 1st Classic Credit Card Annual Percentage Rates range from 7.9% - 16.9% and are based on credit worthiness. There is No Annual Fee, No Balance Transfer Fee, and No Cash Advance Fee.


Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


Debit Card Changes

People make mistakes, so the occasional overdraft can happen.

Here, you will find information about your options, so you can choose the overdraft solutions that
are right for you.

What you need to know about Overdraft Practices and Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.
We can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices for consumer accounts.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to do so:

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type
of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if United 1st pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee of $30.00 per item each time we pay an overdraft.
  • There is a limit of $390.00 on the total fees we can charge you for overdrawing your account per day.

What if I want United 1st to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, fill in and submit the form below.

You can revoke your authorization for United 1st Federal Credit Union to pay these overdrafts at any time by calling or visiting a branch, or mailing a revocation letter. Your revocation must include both your name and your account number so that we can properly identify your account.

Please complete this form and click submit:

Yes. I want the credit union to authorize and pay overdrafts on my ATM and one-time debit card transactions. I understand I will be charged fees as listed above.

Name:

Date:

Last 4 digits of your account number(s):
Please include all account numbers you want to authorize.
Account 1:
Account 2:
Account 3:
Account 4:

     

Alternative Ways to Opt In:

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United 1st Federal Credit union is committed to providing equal access to all individuals, including those with disabilities, seeking information on our website. If you are unable to access content on this website, have questions about accessibility of content or technology used by United 1st Federal Credit union, and/or would like to report barriers to accessing any technology used by United 1st Federal Credit union, including this website, please contact us at 162 N. Gross Road, Kingsland, GA 31548, Email: services@united1fcu.org, Fax: 912-882-8559 and Phone: 888-484-8328.