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Avoid Fees

Avoid Overdraft Fees
• Regularly balance your checkbook using Online Banking and/or Bank-by-Phone.

• Take advantage of Online Bill Pay and Direct Deposit.

• Apply for a Line of Credit for overdraft protection.

• Immediately subtract any debit card or other electronic deduction from your check register.

• Don't "float" your checks.

• If an overdraft takes place, transfer money to your checking account as soon as possible to avoid paying additional fees.

• Make sure your address and phone numbers are current. How do I change address?

• Build an emergency fund.

• Utilize the Shared Branching Network.


Avoid ATM Fees
• Use your IU Credit Union Debit Card at surcharge-free Alliance One and CO-OP ATMs nationwide.

• Use your Debit Card for purchases.

• Use your Debit Card to get cash back when you purchase something at a point-of-sale (POS) register.

• Plan ahead. Try to anticipate your cash flow needs to minimize the number of withdrawals. However, for security reasons do not carry too much cash.


Avoid Late Fees
• Make loan payments using Payroll Allocation or auto transfer.

• Use Online Banking or Bank-by-Phone to transfer payments at any time.

• If you mail in your payment, allow ample time for payments to reach us.

• Utilize the Shared Branching Network.

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