Traditional Overdraft Protection

Transfer from an available balance from your Savings Account or from a Line of Credit Loan. Just set this up with your Financial Services Representative, or for more information call our Call Center at (832) 688-1000 or toll free (800) 822-4328.

From Your Savings Account:

• Only a $1 transfer fee applies to each transaction made.
• Transfer is made only if there are enough funds available to pay the check.
• A partial transfer can be made, if you have a First Service Line off Credit available, as well
• Primary Overdraft, meaning, this method will be tried before others.
• Transfer from any personally owned First Service Credit Union depository account

From Line of Credit:

• A $1 transfer fee applies to each transaction made.
• Transfer is made only if there are enough funds available to pay the check.
• Credit application and approval are required.

Check Sentry

Let First Service save you money, time, and the embarrassment of returned checks. Check Sentry is an overdraft feature designed to pay NSF checks up to a $500 overdraft limit in your First Service Checking Account. You're covered with Check Sentry! NEW! Check Sentry FAQs

• First Service reserves the right to refuse access to this service, based on a member's relationship with the credit union.
• No credit application – this is not a loan.
• No cost unless used.
• A fee of $29.00 applies to each Check Sentry transaction.
• Check Sentry Disclosure

All checking accounts are subject to approval.