Debit Card

Funds to cover your card purchases will be deducted from your share draft account.  If the balance in your account is not sufficient to pay the transaction amount, the credit union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts that you have established with the credit union.  In the event of repeated overdrafts, the credit union reserves the right to terminate service.

Fees and Charges

• No Fee

You may be charged a fee by the ATM operator and by any national, regional, or local network used in processing the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).  The ATM surcharge will be debited from your account if you elect to complete the transaction or continue with the balance inquiry.

For lost or stolen cards call the credit union at 423-855-1770 during regular business hours or 800-991-4961 after hours.