Deposit Accounts

ATM Access

When using an ATM at any location, members of the credit union are subject to the fees and conditions of the establishment or financial institution providing the ATM. No ATM is available at the Cape Fear Credit Union location.

Automatic Transfer

Automatic Transfer allows a credit union member to transfer credit union funds, automatically, on a regularly scheduled basis. For example, a member may instruct the credit union to deduct credit union loan payments directly out of a selected credit union account. The loan payments will be made according to the transfer schedule, provided funds are available in the selected account. Automatic transfer also enables money to be moved electronically among member accounts held at the credit union. Automatic transfer also may provide a convenient way to fund a CD or Holiday Club account. Note: Individual Retirement Accounts and some other credit union accounts have transfer limitations or restrictions. Contact a credit union representative for more information on how to set up this service.

Bill Pay

This convenient and secure online service allows a member to make bill payments, including household and credit union loan payments, on a one-time or recurring basis. Using the credit union’s online banking service, CU… At Your Service!, the member retains full control over which bills to pay, and when they’ll be paid. Payments are made through automatic withdrawal from the member’s credit union savings or checking account.

Users of this service should allow 7-10 days for electronic bill payments to clear the account. There is no per item charge, just a flat fee of $4.95/month. This bill payment feature can be cancelled at any time with a 30-day notice.

Direct Deposit

Direct deposit can eliminate delays associated with payroll checks and teller lines by having payroll earnings directly deposited into a credit union account on payday. Talk with your employer about setting up this convenient and secure payroll deposit service. Enrollment is required.

With Go Direct, your benefit payment is deposited directly into your account. Enroll online at www.GoDirect.org, or call toll-free at 1-800-333-1795. Go Direct is sponsored by the U.S. Department of the Treasury and the Federal Reserve Banks.

Online Banking-- CU… At Your Service! 

CU… At Your Service! is a secure, self-service, electronic banking system that allows a credit union member to make loan payments, pay bills, review account balances, determine which checks have cleared an account, and transfer funds from one account to another at any time of the day or night, using a computer. Our online banking service is free of charge to our members. Account access is password protected for member security. Members must register with the credit union for initial access to CU… At Your Service!

Overdraft Line of Credit or Transfer

With overdraft transfer or an overdraft line of credit, the credit union will access supplemental funds on behalf of the member, to make up for the unavailability of primary funds in the member’s checking account. This overdraft coverage is only available with a basic, premium, or business checking account.

The credit union will permit access to an overdraft line of credit and/or overdraft transfer only to cover insufficient funds in a member’s checking account resulting from a posted transaction between the member and a merchant or other third party. Any overdraft payment made by the credit union will transfer directly to the account of the merchant or other third party. Members may not obtain overdraft funds via ATM, check, or any other means of direct access.

All overdraft lines of credit are subject to the loan approval guidelines of the credit union. Overdraft lines of credit are issued in an amount greater than the NSF amount to be covered by rounding up to the nearest $50. The maximum amount of overdraft line of credit coverage is $500. 

Overdraft transfer will link a member’s checking account to the member’s credit union savings account. The credit union will access available supplemental funds from the member’s savings account to make up for the unavailability of primary funds in the member’s checking account. The credit union will charge a small fee for each overdraft transfer.

See separate fee card for details on transaction and maintenance fees.

Payroll Deduction

Arrange with your employer to have certain payments withdrawn directly from your credit union savings or checking account at the time that your payroll earnings are deposited into the credit union account. With payroll deduction, a member can make loan payments on time without having to transfer funds, write a check, or visit the branch. Talk with the human resources department at your place of employment to arrange for payroll deduction.

Telephone Account Access - CU On Call  

Using a touch-tone telephone, members can access recent account information, perform transfers and withdrawals, and get up-to-date rate information by calling 1-866-708-0694. All that is needed is a member account number and a four-digit password. CU On Call is available 24-hours a day, 7 days a week.  Access to account information is password protected for member security. Members must register with the credit union for initial access to CU On Call.

VISA Account Access - eZ Card

Members can get up-to-date information on credit union VISA account activity through this online service. The eZ Card service is a convenient way to monitor your VISA account and make payments on your VISA account. Click on the links in this section for easy access to the eZ Card web page. Access to your account is password protected for your security.