Some merchants process their transactions through a system known as “square” or “SQ.” Oftentimes, smaller businesses or vendors will use this processor for signature and point of sale purchases. If you see a transaction like this, try to recall if you have made any purchases for a similar amount because it may look different on your banking statement and appear fraudulent at first.

Holds are placed on deposited checks in order to verify the funds are collectible. This protects the member and the credit union from potential fraud and loss. Our general policy is to make funds from check deposits available to you on the first business day after the day of the deposit.  Depending on the type and amount of check you deposit, in addition to how you deposit the check, longer holds may apply.  In that case, the first $225 of your deposits may be made available on the first business day.  Examples of when longer holds may apply include:

• Checks deposited at a foreign (non-USF FCU) ATM
• Checks deposited via mobile deposit
• Checks totaling more than $5,525 in any one day
• Checks deposited within the first 30 days of account opening
• Foreign checks drawn on a financial institution located outside the US
• If we have reason to doubt the collectability of the check

 Please refer to our Universal Account Agreement for full details.

You may withdraw up to $500 per day at an ATM.  You may use your debit card PIN to access up to $1,000 per day to purchase goods, pay for services or obtain cash from a merchant in person.  You may access up to $2,500 from your account by signing to purchase goods or pay for services (in person, online, or by phone).

To report your ATM or debit card lost or stolen, please call 888.241.2510 or come into your nearest USF FCU branch for an instant replacement.

We offer standard overdraft practices (Convenience Pay) for eligible members. With Convenience Pay, we may authorize and cover insufficient funds transactions, instead of returning the item, for a fee per covered transaction. Convenience Pay Plus will extend overdraft coverage to ATM and everyday debit card transactions. You must opt-in for Convenience Pay Plus coverage. Learn more at usffcu.org/convenience-pay-faqs

You may elect other overdraft protection coverage, such as linking to a savings account or line of credit. In that case, we will attempt to cover NSF transactions by transferring from your linked account.