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New Overdraft Options: Opt-in now!

Ooops! Being Declined is Embarrassing.

Two new overdraft protection options are now available to give you cash when you're running low. Opt-in to one or both. Then, you're covered!



















► Are you ready to opt-in? Contact us with your choice: ATM only, Debit only, or Both.

▪ Chat live through AEAonline.
▪ Call 928.783.8881 (press 0)
▪ Print, complete and fax this form to 928.373.5845.
▪ Visit a nearby branch.
▪ Mail your form to: AEA Federal Credit Union, 1780 S 1st Avenue, Yuma, AZ 85364.



This new service will be available as of August 15, 2010.



What You Need to Know About Overdrafts and Overdraft Fees
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways.
• We have standard overdraft practices that come with your account.
• We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?
We do authorize and pay overdrafts for the following types of transactions:
• Checks and other transactions made using your checking account number
• Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us:
• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if AEA Federal Credit Union pays my overdraft?
Our standard overdraft practices:
• We will charge you a fee of $30 each time we pay an overdraft.
• There is no limit on the total fees we can charge you for overdrawing your account.

What if I want AEA Federal Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?
If you also want us to authorize and pay overdrafts on ATM and/or everyday debit card transactions, complete this Opt-In form, call 928.783.8881 (press 0), or send an email to membercare@aeafcu.org.