For many years FCCU has offered a No Hassle Checking Account program. Since the program began, the volume of debit card transactions has significantly outpaced check clearings.
So members have requested that we allow debit card transactions to also be considered in the overdraft program. We have listened and began allowing this option on July 1, 2013, however to include debit
card transactions in the overdraft checking program you are REQUIRED by federal law to complete a form opting into the program. This form is available at any branch office or at http://firstccu.com/debitoptin.pdf.
Once the signed form is received the option will be turned on to allow debit transactions to overdraft your account. Forms may be mailed to the credit union, dropped off or scanned and emailed. Please
note it will take 72 hours for the option to take effect. The beauty of the program is that it costs you nothing unless you use it and if you do you save the costs of having a check returned!