Free eServices | Carter eAccess | Carter eStatements | Carter ePay |Carter eMobile
Carter eWire | VISA Check Card | Free Online Check Copies | Direct Deposit or Payroll Deduction
ACH Origination and Transfers | Overdraft Protection | Courtesy Pay
Checking Extras
FREE eServices
Carter Federal offers an array of convenience products designed to help make our members’ lives easier and to help them save time. And what’s even better is that most of these services are provided either at very low cost or at no direct cost to you. With each Carter Federal Checking, you have full access to all of the features below.
• FREE Usage of eServices (eAccess, eStatements, ePay, eMobile, eWire)
• FREE VISA Check Card (with approval)
• FREE Online Check Copies
• Direct Deposit/Payroll Deduction
• ACH Transfers and Deposits
• Overdraft Protection
• Courtesy Pay
Carter-eAccess
Provide your family with secure and easy access to your Carter Federal accounts online 24 hours a day, 7 days a week. Enjoy a variety of services including online bill payments, funds transfer, viewing account balances & history, and much more!
Carter-eStatements
Enjoy this free, tree-saving, time-saving, space-saving convenience! You’ll receive environmentally-friendly, paperless monthly snapshots of your credit union statements. Receive notification via email when your statement is available.
Carter-ePay
Set up your bills to be paid right away, on a scheduled date or set up for recurring payments, all at the click of a button. Available via computer, it allows unlimited bill payments and provides a history of past payments. Experience financial freedom and enroll for this free service today! Subscribers with three (3) consecutive months of inactivity will be removed from the program.
Carter-eMobile
Access your accounts anytime, anywhere through your cell phone and other mobile devices. Pay bills, transfer funds, view balances using this highly secure service. Internet access is required for this service. Log onto to your account and click on the eMobile tab.
Carter-eWire
Carter-eWire enables you to submit an electronic wire transfer request through the convenience and security of Carter-eAccess (Internet Account Access).
VISA Check Card
Less hassle, more freedom, no interest
Why bother carrying checks around anymore? With a VISA Check Card from Carter Federal, you don't have to ask yourself: will they take a check? Everywhere VISA is accepted (and it's accepted at millions of locations worldwide) you can use your VISA Check Card for purchases and the money is drawn directly out of your account — just like a check!
But that's not all — a Carter Federal VISA Check Card doubles as an ATM card. So you only need one card to access your funds at any ATM on our vast network, and to make purchases all over the world. What could be simpler?
Free Online Check Copies
See Cleared Checks Online! Do you ever forget to write down in your check register to whom a check was written, and you just can't remember? This FREE service allows you to view your paid checks for the last 15 months from when the checks cleared your checking account. You can save a copy of the image on your computer or print them out for future reference. However, if the payee processed the check as an electronic item, you will not be able to view the check image.
Direct Deposit or Payroll Deduction
Enjoy the convenience of Direct Deposit when your paycheck is posted automatically to your Carter Federal Checking Account. Funds are available on payday, saving the time, gas and effort of making deposits in person!
Other checks which may be deposited via Direct Deposit include federally-recurring checks, such as Social Security, Pension, and certain corporate payroll checks. Your joint account owner may also deposit directly to his or her Carter Federal account. Ask your company's Payroll Department for details or use our Switch Kit to sign up today!
ACH Origination and Transfers
The Automated Clearing House (ACH) system allows a member to have electronic debits or credits automatically withdrawn from or deposited to his or her share account or checking account at Carter Federal Credit Union. There are two types of ACH transactions:
ACH Originations - Automatic Deposits and Withdrawals with another financial institution. ACH originations are “originated” by the credit union to occur on a specified date each month.
1. A member can choose to have money transferred from another financial institution to a deposit account or a loan at Carter Federal.
2. A member can also choose to have money transferred from an account at Carter Federal to a deposit account at another financial institution or payee.
ACH Receivables - Direct Deposit and preauthorized payments. To begin Direct Deposit of a check to a deposit account at Carter Federal, please complete to form provided below and give to your employer’s payroll department.
Carter Federal Credit Union’s Routing Number, 311-175-983, as well as the member’s full membership number is required to set up a direct deposit or preauthorized payment.
Overdraft Protection
When you open a Carter Federal Checking Account, Overdraft Protection is automatically set up to pull needed funds from your Regular Savings Account with a charge of $1 each transaction.
Even if you think you'll never overdraw your checking account, automatic overdraft protection gives you extra peace of mind. It also gives you an easy way to access your other credit union accounts through your checking account. There is no charge to set up automatic overdraft protection. You only pay for it when you use it - $1 per transfer.
Courtesy Pay
Courtesy Pay adds a measure of protection to your personal share draft account. Courtesy Pay may cover your insufficient funds items, up to your approved limit, for one low fee per covered overdraft transaction. That means, instead of returning a share draft to the merchant because of insufficient funds, the Credit Union may pay your item, saving you additional charges from the merchant collection companies, in addition to the Credit Union's insufficient funds fee. It saves you the embarrassment of a returned check, and also helps protect your credit rating.
|
