Checking & Savings
This popular account features unlimited check writing with no minimum balance requirement and no monthly service charge. Members receive a descriptive statement, and can also access their account at either credit union office; at Plus, AFFN, and The Exchange ATMs; and through UNO, our telephone audio response service. Dividends are paid on balances over $1,000. View Rates This account pays a premium rate each day your minimum balance is at least $2,000 and earns a higher yield on balances over $50,000. You will receive a descriptive monthly statement, and have unlimited check writing privileges. There is no monthly service charge. View Rates Overdraft Privilege is a service provided to all eligible members, EXCEPT those who have already selected their Overdraft Protection be made available through a NSWC Federal Credit Union Credit Card. Due to technical obstacles, we cannot grant Overdraft Privilege AND Overdraft Protection to those members who use credit cards for Overdraft Protection. Overdraft Privilege is designed to help guard members against having items submitted for payment against their checking account from being returned by the Credit Union. If for any reason eligible members overdraw their checking accounts covered by Overdraft Privilege, the Credit Union may elect to cover their overdrafts up to $500 per eligible checking account. As long as members remain in good standing and bring their accounts to a positive balance within 30 calendar days FOR A MINIMUM OF TWENTY FOUR HOURS, they will continue to receive Overdraft Privilege. This will not change any existing Overdraft Protection that members may already have in place. Overdraft Privilege will protect eligible members who have not established Overdraft Protection, or members who have exhausted the available funds on their existing Overdraft Protection. An Overdraft Fee of $29 per item will be assessed when Overdraft Privilege is utilized. The Overdraft Privilege limit amount includes any fees assessed. The Overdraft Privilege limit will not reflect in the Available Balance, however will be available on eligible accounts when a transaction occurs. Members may access Overdraft Privilege: Members will receive a letter informing them when Overdraft Privilege is made available on their checking account. Overdraft Privilege is not available on Daily Money Fund Accounts. For more information, or to OPT OUT of Overdraft Privilege, please contact Members Services at (540) 663-2181.
Checking
Share Draft Checking
Daily Money Fund
Overdraft Privilege
