What You Need to Know about Overdrafts and Overdraft Fees at North Star Community Credit Union

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:

1. We have standard overdraft practices that come with your account.
2. We also offer overdraft protection plans, such as “Check-Mate” overdraft protection line of credit and automatic transfers from a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these services or click the read all button below.

read all

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call 701-438-2222 or 800-410-2226, complete the form below or download the form here and either bring it in to your branch location or mail it to: North Star Community Credit Union, PO Box 10, Maddock ND 58348.

This change will be effective August 15, 2010 for existing accounts, July 1, 2010 for new accounts.

NO ATM/DEBIT TRANSACTIONS WILL BE ALLOWED TO OVERDRAW YOUR ACCOUNT
UNLESS THIS FORM IS RETURNED INDICATING YOUR CONSENT.

Full Name*
Address*
Date*
Opt In or Out*	In Out

Introducing Privilege Pay

Save yourself embarrassment at the checkout if you don't have sufficient funds in your account to complete your debit card transaction. With our new Privilege Pay program, your purchase can be approved and completed.

With the new Privilege Pay program, it will be possible for you to obtain authorizations with your ATM/debit card which would overdraw your checking account up to $300.

• You account will be assessed $10 each time we authorize and pay an ATM/debit transaction which overdraws your checking account.
• You will have up to 15 calendar days to bring your account into a positive status or your ATM/debit card and checking account will be closed. A $1.00 fee will be charged to your checking account for each day after 15 that your account remains overdrawn.
• We will reserve the right to return any checks or ACHs that attempt to clear until your account becomes positive again.
• ATM or debit transactions that would bring your checking account more than $300 overdrawn will be declined.

New Privilege Pay is just one more way that North Star Community Credit Union is moving forward to provide members the most up to date products and services. Look to us for your financial solutions!

download more information (pdf)

UNAUTHORIZED ACH FRAUD

NACHA HAS ALERTED THE FINANCIAL SERVICES INDUSTRY OF A RECENT PHISHING ATTACK WHERE THE EMAIL IS PURPOTEDLY SET BY NACHA. THE SUBJECT LINE OF THE EMAIL STATES, "UNAUTHORIZED ACH TRANSACTION." THE EMAIL CONTAINS A LINK TO A FAKE WEB PAGE INFECTED WITH MALWARE.  DO NOT CLICK ON THE LINK!  THE EMAIL AND RELATED WEBSITE ARE FRAUDULENT.

Big Change to Your NSCCU Debit Card!

Now you can request additional cash back at purchase time and save yourself ATM fees! At the checkout, swipe your NSCCU debit card, and simply enter your PIN, instead of signing, to finish the transaction. With a NSCCU Star branded debit card it's EASY!

click here for more information

NSCCU Youth Week Announced

NSCCU will be celebrating Youth Week August 9-13, 2010. The theme this year is, "Get in the Savings Game!", so we'll be making a game of saving the entire week. A full week of fun is being planned for our youth members. Watch your mail for a complete schedule of events happening in your community.

Now offering IRA CDs!

Another way to save for your retirement.

12 month IRA Certificate - 2.00% APY
24 month IRA Certificate - 2.25% APY
60 month IRA Certificate - 2.90% APY (Allows 1 rate bump up after 2 years.)

$1000 minimum on all.

EXTENDED HOURS THURSDAYS

For your convenience NSCCU will offer extended hours on Thursdays. Drive Up windows in Rugby, Bottineau & Cavalier will be open until 6:00 p.m. The Lobby in the Maddock Office will be open until 5:30 p.m. on Thursdays.

North Star's Pee Wee Penguin Site!

Hey kids, check out North Star's Pee Wee Penguin website . You can play cool games, or read about Pee Wee's adventures. You can also check out our savings calculator, or if you’re feeling artistic print out one of our coloring or dot-to-dot pages.

Click on the link above or the picture to the right to get started!

Health Savings Accounts Available

Plan for your health costs by contributing to a Health Savings Account. Available if you have a high deductible policy. Contact your local office for more information. 

Lost or Stolen VISA or Instant Cash cards

Call 1-800-535-8440 for Instant Cash Cards

Call 1-800-991-4965 for VISA

North Star Newsletter

 Catch up on the latest happenings at North Star Community Credit Union!

July 2010 Newsletter

• Savings
• CDs
• Consumer
• Agriculture
• Specials