Q: |
Is there a charge when I use overdraft protection? |
A: |
Unlike other institutions that charge a fee every time you go into overdraft, Deseret First Credit Union does not. When funds are unavailable in your checking, it will pull only the amount needed to cover the transaction from your overdraft account. This will happen on checks, debit card transactions, or EFTs where the funds in your checking account are not sufficient to cover the transaction . Although we do not charge a fee on each overdraft transfer, there is a 14.9% finance charge on any amounts that go to overdraft. The amount that you pay in finance charges is directly related to the length of time you wait to pay off your overdraft. Our low finance charge will most likely cost you a lot less than the overdraft fees assessed by other institutions. |
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Q: |
Is there a place on your web site where I can change my address? |
A: |
Yes. We have added a Change of Address form to our web site. You can access the form by going to Online Applications, fill out the form online, and press “Submit for Printing”. Once the next page loads, you will see the information you typed. Print that page, sign it and mail it or fax it to the address or fax number on the form.
When we receive your Change of Address form in the mail or by fax, we will check your signature to verify it matches what we have on our records. After verifying this information, we will change your address on our system. |
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Q: |
How do I increase the limit on my credit card? |
A: |
To increase the limit on your Visa card, we just need you to submit an application. We will take your current information, pull credit and see what we can qualify you for. You may apply on line under loan applications or you may call one of our personal account representatives at (801) 456-7000 or toll free 1-800-326-3328. |
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Q: |
What is Deseret First’s ABA or Routing number for another institution to use in order to wire funds into my DFCU account? |
A: |
Our ABA/Routing Number is 324078909. |
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Q: |
I am considering opening a CD, but I would like to know what happens if I need to take some of the money out before maturity. |
A: |
The early withdrawal penalty of a certificate depends on the term of the CD. If the CD is a 6 month certificate, the penalty is up to 30 days interest. If the CD is 1 to 5 years, the penalty is up to 90 days interest. |
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© 2008, Deseret First Credit Union
