Regularly balance your checking account with Online & Mobile Banking.
Take advantage of Online Bill Pay, Direct Deposit and Mobile Deposit.
Apply for a Line of Credit for overdraft protection.
Immediately subtract any debit card or other electronic deduction from your balance.
If you overdraw your account, transfer money to your checking account as soon as possible to avoid paying additional fees.
Build an emergency fund.
Remember, holds placed by merchants may exceed the purchase amount until processed.
Avoid ATM Fees
Use your IU Credit Union Debit Card at any IU Credit Union ATM or at surcharge-free Alliance One and CO-OP ATMs nationwide.
Avoid Late Fees
Make loan payments online through ProPay, or through payroll allocation or auto transfer.
Use Online Banking or Mobile Banking 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 (Must register for this feature).
Avoid Bad Address and Inactive Account Fees
To avoid a monthly bad address fee, keep your address updated with IU Credit Union. It's also a good practice to keep your phone numbers current.
If the Primary Account owner is 18 or older, the account is subject to a monthly Inactive Account Fee when the account remains inactive for six months or more. To avoid this fee, simply use your account—make deposits or withdrawals, use your debit card, keep an active loan, certificate, or IRA on your account, and/or maintain a $500 cumulative account balance.
