Fresh Start Checking

Fresh Start Checking

How do I balance my checkbook?

• Online Resources
  • www.calculatorsoup.com › Financial
  • http://www.themint.org/teens/t...
  • https://www.clearcheckbook.com...
• Apps for iPhone & Android
  • Balance My Checkbook
  • Simple Checkbook Ledger
  • Balance
• Manual Balancing Tips
  • Record ALL your transactions
  • Compare your transactions to your account statement
  • Make sure all entries listed on your account statement are accounted for in your checkbook
  • If at first you don’t succeed, recalculate
• DECU also offers assistance to help with checkbook balancing for a fee of $40 per hour

Do you offer any programs to make balancing my check book easier?

• The Spare Change Round Up program is a great tool to help you SAVE & makes it EASIER to balance your checkbook
  • Rounds your debit card purchase up to the next $1.00. For example:
  • Groceries $24.25 per your receipt
  • Groceries $25.00 reflected in your statement
  • The extra .75 will go to a savings account

What if I accidentally overdraw my checking account?

• The item that overdrew your account will be returned and your account will be charged a $27 fee per item
• After 5 days of being overdrawn, a $5 daily fee will be assessed until your account is no longer negative
• If you have money in your savings, DECU will transfer those funds to cover the overdraft for a fee of $4

How does my debit card work?

• You can use your card 2 different ways
  • Credit
  • Debit
• Debit – Use your PIN number
  • Automatically clears your account
  • Allows you to receive cash back
  • $600 daily limit
  • 5 times in one month for purchases and ATM withdrawals (foreign ATM) before a $1.50 fee is charged
• Credit- Do not use your PIN number
  • Holds are placed against your account taking the funds from your available balance
  • No daily limit
  • Gas will typically only hold $1 so make sure the total purchase amount is accounted for in your account balance

How do I keep my Debit Card Number & PIN (Personal Identification Number) safe?

• Check your account periodically to make sure you recognize the transactions & amounts clearing your account
  • If something seems to be off, please do not hesitate to call us or stop in
• Don’t SHARE your PIN number with anyone and don’t write it down
• Pick something no one else would guess
  • Stay away from Last 4 of SSN, Birthdays, Street Numbers

What happens if someone does get ahold of my card?

• Contact DECU immediately
• DECU can report your card lost/stolen so no one else can use it
• If we happen to be closed, call 1-800-449-7728 to report your card lost/stolen
• If there is fraudulent activity, you need to file a dispute(s) within 60 days of the original transaction date to get your money back.