Our Checking AccountsDillard’s Federal Credit Union offers two types of checking accounts to meet our members’ needs.
**If you choose to utilize our bill pay service, there will be a monthly fee of $6.95.
Courtesy Pay/Overdraft Protection
Courtesy Pay adds a layer of protection to your personal checking account. How? Courtesy Pay may cover your insufficient funds items, up to a limit of $500.00, for a $30.00 fee per covered overdraft transaction.
This means that instead of returning a check to the merchant because of insufficient funds, the credit union may pay your item, saving you additional charges from the merchant. The small fee associated with Courtesy Pay protects you from receiving returned checks and NSF(Non Sufficient Funds) fees. It also saves you the embarrassment an inadvertent overdraft can cause and helps you protect your credit rating.
You may opt out of Courtesy Pay at any time by asking us to remove the service from your account(s).