Does Advancial offer overdraft protection?

Advancial offers two overdraft protection options: Overdraft Transfers and Check Clear ® Courtesy Overdraft Privilege. These services can help you avoid declined transactions in case of insufficient funds. Enrollment is required to utilize these services. If you choose to enroll your checking account in both Overdraft Transfers and Check Clear Courtesy Overdraft Privilege, we will attempt to cover the transaction by the transfer method before using Check Clear. Overdraft Transfers A free service that uses funds from a designated account in order to cover overdrafts Monthly transfer limits and excessive withdrawal fees may apply for certain designated accounts. Funds transferred from a designated line of credit will incur a finance charge. Lines of credit are subject to credit qualification and approval Check Clear Courtesy Overdraft Privilege A discretionary service that may cover overdrafts up to your courtesy overdraft limit Check Clear is to members 18 years of age or older and in good standing with the Credit Union A $10 fee applies for each covered transaction, up to a daily maximum Your account must be brought to a positive balance within 45 days. Check Clear services may be revoked if your account remains negative for more than 30 days. The types of transactions covered by Check Clear depend on the coverage level selected: Standard Check Clear covers following transactions: (1) Checks and other transactions made using your checking account number and (2) Automated Clearing House (ACH) transactions Extended Check Clear covers the following transactions: (1) Checks and other transactions made using your checking account number, (2) Automated Clearing House (ACH) transactions, and (3) Debit card transactions (recurring and one-time) You can manage your enrollment in the Overdraft Transfers or Check Clear service, including opting-in, opting-out or making changes, through one of the following methods: By Phone: Call us at 214.880.0141 or 800.322.2709 In Person: Speak to a representative at any branch cuAnywhere ® Online Banking & Advancial Mobile App: Log in to your account then navigate to Manage and select Enrollments, where you will find options to manage your Overdraft Transfers or Check Clear services.

Checking Account Choices

Advancial offers three unique checking accounts to help members with specific financial needs.

Ultimate Checking

No monthly maintenance fees
No minimum balance requirements
Unlimited free ATMs worldwide
Unlimited Debit card rewards
Free checks

I Want the Ultimate

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Dinero Checking

Starting your teen on the path to financial success is important, and our Dinero Checking account is here to help. Dinero Checking is a perfect first checking account to teach your teen on how to manage their finances while giving you the peace of mind knowing you’ll be able to monitor their spending.

Dinero Checking

Inbound USA Checking

If you're moving to the United States from a foreign country, this is the account for you. Designed for expatriates inbound to the United States, Inbound USA Checking is a great, everyday checking account with tons of free, convenient features to help you manage your money while in the U.S.

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Frequently Asked Questions About Checking

No, your savings account is your share in Advancial. It gives you ownership and voting rights at the credit union. A savings account with a small initial deposit of just $5 is required to access all of Advancial’s financial services.

Yes, all of our checking accounts allow you to use any ATM worldwide, whether it’s an Advancial ATM or an ATM from another financial institution, for free. If you are charged ATM fees from another financial institution, we will automatically reimburse those fees.

All members receive one free box of checks per year.

Advancial offers two overdraft protection options: Overdraft Transfers and Check Clear^® Courtesy Overdraft Privilege. These services can help you avoid declined transactions in case of insufficient funds. Enrollment is required to utilize these services. If you choose to enroll your checking account in both Overdraft Transfers and Check Clear Courtesy Overdraft Privilege, we will attempt to cover the transaction by the transfer method before using Check Clear.

Overdraft Transfers

A free service that uses funds from a designated account in order to cover overdrafts
Monthly transfer limits and excessive withdrawal fees may apply for certain designated accounts. Funds transferred from a designated line of credit will incur a finance charge. Lines of credit are subject to credit qualification and approval

Check Clear Courtesy Overdraft Privilege

A discretionary service that may cover overdrafts up to your courtesy overdraft limit
Check Clear is to members 18 years of age or older and in good standing with the Credit Union
A $10 fee applies for each covered transaction, up to a daily maximum
Your account must be brought to a positive balance within 45 days. Check Clear services may be revoked if your account remains negative for more than 30 days.
The types of transactions covered by Check Clear depend on the coverage level selected:

Standard Check Clear covers following transactions: (1) Checks and other transactions made using your checking account number and (2) Automated Clearing House (ACH) transactions

Extended Check Clear covers the following transactions: (1) Checks and other transactions made using your checking account number, (2) Automated Clearing House (ACH) transactions, and (3) Debit card transactions (recurring and one-time)

You can manage your enrollment in the Overdraft Transfers or Check Clear service, including opting-in, opting-out or making changes, through one of the following methods:

By Phone: Call us at 214.880.0141 or 800.322.2709
In Person: Speak to a representative at any branch
cuAnywhere^® Online Banking & Advancial Mobile App: Log in to your account then navigate to Manage and select Enrollments, where you will find options to manage your Overdraft Transfers or Check Clear services.

Knowledge Center

Safeguard Your Finances When Shopping Online

What’s not to love about shopping online? After browsing and a couple of clicks, merchandise is delivered to your door. Along with ease and convenience, online shopping can offer plenty of opportunities for thieves and scammers to steal your financial information.

October 10, 2023