P.O. Box 98036, Baton Rouge, LA 70898-9036 888.769.8841 www.campusfederal.org Fax Number: 225.408.4919

Overdraft Protection/Covered CheckingSM

Bouncing checks is stressful, embarrassing, expensive - and unnecessary. Sign up for overdraft protection, and the funds to cover a check can be transferred from your share account, Visa or equity line. Transfers from your share account, Visa or equity line are made on a per item basis (penny for penny amounts).

If your account is in good standing and has been open for at least 60 days, your overdraft checks may be paid rather than returned. It's our way of saying "We've got you covered." The non-sufficient funds fee applies. As of today, the non-sufficient funds fee is $29. However, this service helps avoid additional merchant fees. Ask any member service representative today about this valuable enhancement to your checking account.


Covered Checking SM

Covered CheckingSM can save you the expense and embarrassment of having your checks returned. (1)As long as you maintain your membership in good standing, your overdraft checks may be paid rather than returned. The non-sufficient funds fee applies.

Fees

As of today, the non-sufficient funds fee is $29. However, this service helps avoid additional merchant fees. Ask any member service representative today about this valuable enhancement to your checking account.

The fee is imposed for overdrafts created by checks, ACH items, ATM withdrawals or by any other electronic means. If you overdraw your account, we will have the discretion to pay the overdraft up to your Covered Checking limit and the amount of the overdraft fee. Campus Federal is not obligated to pay any item presented for payment if your account does not contain sufficient available funds. Any discretionary payment (or other negotiation or processing) by Campus Federal of any non-sufficient funds check or other item does not obligate or create an agreement or course of dealing for Campus Federal to pay any additional non-sufficient funds check or item or to provide prior notice of its decision to refuse to pay any additional non-sufficient funds check or item. The account balance must be brought to a positive balance within every thirty (30) day period.


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To open an account you must be a member of Campus Federal. Please use our membership application to apply for membership and open an account. Current members, please use the contact us form to specify the type of account you would like to open.