Once you have opened a share savings account at Altamaha Federal Credit Union, you become eligible to open a checking account and receive our many benefits:

• No-fee credit union ATMs at five convenient locations
• ATM services via CU24, CU HERE, STAR®, and PLUS® systems
• Dividend-bearing Checking*
• No Monthly Fee Unless Balance Falls Below $100
• Consolidated Monthly Statements
• Overdraft Protection from Share Account
• Special Checking Account Options for Students and Prime Timers (Members over the age of 55)
• Courtesy Pay Available
• Free Bill Pay
• Online Access
• 24 Hour Telephone Access
• Direct Deposit
• Stop Pay
• Pre-Authorized Automatic Drafts
• DBA Accounts
  o As long as your business is owned solely by you and is unincorporated, you can open a “Doing Business As” account at Altamaha Federal Credit Union.

* Dividends are paid on balances over $100 according to credit union earnings and are subject to change.

Please see our Fee Schedule for any applicable fees, or contact us for more information about our checking accounts.

An Altamaha FCU Visa Debit Card allows you to access your checking account 24-hours a day and make purchases without the need for cash or checks. The Visa Debit Card provides a safe and convenient way to access your funds. It’s a card for any occasion and one that fits your needs.

• Use your Visa Debit Card everywhere that Visa Debit Cards are accepted.
• Use your card in an automated teller machine (ATM) to check your current balance, withdraw cash, transfer funds, and more.
• Use your card for local or online purchases.
• Funds are directly deducted from your credit union checking account.
• Transactions are signature or PIN based.
• Each month, your statement will list all transaction activity on your Visa Debit Card.

Access to Third Party Sites / E-mail:
Links to other Web Sites and/or e-mail addresses are provided solely as a convenience to our members and other customers. Altamaha Federal Credit Union has no control over these sites/addresses; and the Credit Union shall have no responsibility or liability relating to any access to such sites or communications between you and such Third Parties. In addition, Third Parties are not covered by Altamaha Federal Credit Union's privacy or other policies; and the Credit Union is not responsible for the privacy practices or the content of Third Party Sites. AFCU Web Site may also contain links to other web sites owned, operated by, or affiliated with the Credit Union ("Affiliated Sites"). Affiliated Sites are also not governed by AFCU’s privacy or other policies; and you are advised to review the privacy statement applicable to each Affiliated Site you visit.

Products / Services Offered By Third Parties / Affiliates:
Any financial, investment, warranty, credit insurance or other products or services (“products”) which are provided by third parties or any affiliates are not products of Altamaha Federal Credit Union. If the purchase of same is facilitated by or through Credit Union financing such is merely a convenience to the borrower(s) and is in no way creates any contractual or other relationship between the borrower(s) and the Credit Union with regard to any such products. Any rights, obligations or claims with regard to such products shall be solely and exclusively by and between the party providing such products as may be set forth in any applicable contracts, agreements or otherwise, and Altamaha Federal Credit Union shall have no obligations, responsibilities, duties, or liabilities whatsoever regarding same.

You can arrange to have your payroll, Social Security, pension or any other recurring check deposited directly into your Altamaha FCU checking or savings account. By doing so, you can eliminate the possibility of losing your check and avoid the need to stand in line to cash or deposit it.

Please contact us or view the FAQs page if you have any questions about direct deposit.

Why not let us take care of those recurring transactions – and you just enjoy your paydays?

We can arrange, through your employer payroll office or by automatic transfer, to make your loan payments for you.

We can help you save on a regular basis with transfers to regular savings, Christmas Club, other special share accounts, you IRA shares, or put money into the kids’ account.

In addition, to saving you time spent making payments and deposits yourself, Payroll Deduction “never forgets.”

Please contact us for more information on payroll deduction.

Avoid the expense and inconvenience of overdrafts with overdraft protection from Altamaha FCU. Overdraft protection is available on our checking accounts using your savings account. There is no charge to make this transfer.

Courtesy Pay

Courtesy Pay is a service that allows us to pay an item presented against your checking account even if it causes the account to become overdrawn.

Courtesy Pay may provide certain members in “good standing” with the ability to overdraw their checking account up to $500.00.

If the account has been open and maintained in good standing, defined as:

• Making regular deposits sufficient to cover transactions.
• Bringing the account to a positive balance at least once every thirty days or less.
• There are no legal orders outstanding on your account.
• Loans are not delinquent.

We may, at our sole discretion, pay overdrafts up to $500.00, including our normal non-sufficient funds or Courtesy Pay charge(s). Whether we pay or return an item, your account will be assessed a fee, either as a Courtesy Pay overdraft fee or a Non-Sufficient Fund charge but you will not be charged both fees. Our current charge per item is $30.00, which may be changed without prior notice to you.

Courtesy Pay offers additional flexibility and convenience in managing member funds and provides peace of mind knowing that items may be paid up to the authorized overdraft limit. Please speak to a member service representative to see if you qualify.

This non-contractual courtesy of paying overdrafts requires no member action. No additional agreements need to be signed and it costs nothing unless the privilege is used – by initiating checks, ATM withdrawals, debit card withdrawals or other payment withdrawals that require more than is on deposit in the account. If you maintain the account in good standing and have the need for this “courtesy”, we may at our sole discretion, pay the item(s) up to the authorized limit, and we will charge the account our normal Non-Sufficient Fund or Courtesy Pay charge for each item that overdraws the account. You then have 30 days to bring the account current.

Although you are not charged for using Overdraft Courtesy Pay, you may opt-out of Courtesy Pay at any time. If you do not want us to pay your overdrafts, you must tell us (“opt-out”). If you receive a direct deposit of your Social Security or other federal benefit check, you must opt-out if you do not want us to apply those funds to repay an overdraft.

Courtesy Pay allows Altamaha Federal Credit Union to provide a higher level of service to our members by helping to protect their accounts and reputation when an inadvertent overdraft occurs.

If you have any further questions, call us at 912-427-8924.