Additional Services

You can authorize direct deposits of funds to your account, or automated withdrawals from your account, by supplying your account number and 1st CCU’s routing number to your employer or the merchant, utility company or organization you authorize. 

To get your account number please follow these steps:

1. Log into 1st CCU Anywhere Online Banking or 1st CCU Anywhere Mobile App.
2. Click into the account you want your direct deposit to go into OR your automatic withdrawal to come out of.
3. Scroll down and look for the 'Detail' section within your account. You will see your account number and the routing number displayed there.

     4. Provide the account number and routing number on the paperwork you need to submit to authorize your employer or other entity to make direct deposits of funds into your account. 

Please note that if you set up automatic withdrawal transactions from your account and you need to stop the withdrawal in the future, you should first contact the company that you authorized to do the withdrawal and tell them to stop payment.

Long story short, your credit report says a lot about you….And you should know what it’s saying!  The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies - Equifax, Experian, and TransUnion - to provide you with a free copy of your credit report, at your request, once every 12 months.
 
Order Credit Report  
 

We understand that not everyone is comfortable with computers and smart phones. Our 24-Hour P.A.T.T. service makes it easy and convenient to manage your 1st CCU accounts by phone! Hear your balances, make loan payments, transfer funds, and more!

1. Call 1-866-876-7288
2. Enter your eight-digit account number
3. Enter your PIN*
4. Follow the prompts and use your touchtone keypad or voice response to navigate through the system

 P.A.T.T. Guide

*If you have not previously been set up for P.A.T.T. Telephone Banking the system will prompt you to enter your full social security or Tax ID number.
 

The service protects you when you inadvertently attempt a card transaction when the available balance in your account isn't enough to cover the transaction (or if you have Overdraft Transfers set up but you don't have sufficient funds in your linked account). It allows the account to go into the negative when a debit card transaction would normally be declined for insufficient funds (up to the Courtesy Pay Overdraw Tolerance amount determined by the credit union).

• When Courtesy Pay covers a transaction and allows your account to go negative, a Courtesy Pay Fee is charged directly to the account for each overdraft. 
• The account holder has two weeks to cover the overdraft and the Courtesy Pay Fee and bring the account back to positive.

Example: You forgot that your Insurance premium was coming out of your checking account today, so you are unaware that your available balance is now down to $10.  On your way home you stop at your favorite gas station for a $30 fill-up and hand the clerk your debit card to pay. 

• If you have Overdraft Protection Transfers set up and there are available funds in your savings, the system will authorize the debit card transaction and transfer $22 dollars from your savings into your checking ($2 for the overdraft transfer fee and $20 to cover the remainder of the transaction). Your checking account balance is now $0.
• If you do not have Overdraft Protection set up but you have opted into Courtesy Pay, the system will authorize the debit card transaction and charge your checking account a $20 Courtesy Pay Fee. Your account balance is now -$40. You have been spared the embarrassment of your debit card being declined at the gas station and you have two weeks to bring your account back into the positive. 

If you want us to authorize and pay overdrafts on ATM and one-time debit card transactions, you may Opt In within 1st CCU Anywhere Online Banking.  

1. Log into 1st CCU Anywhere Online Banking at 1stccu.com
2. On the left-side menu, select 'Accounts'
3. In the bottom right of the Account Listing screen find the white card and tap 'Overdraft Options'

     4.    The system will tell you if you are already enrolled in the Overdraft services. If you wish to enroll, select the account and click the Next button, then follow the prompts and agree to the terms. 

If you prefer to submit the paper form: Click Here for the Opt-In Form

After completing the form, submit it to a 1st CCU location in Sparta, West Salem or Tomah

OR you may email the form using our ZIX secure portal. Please select the Bookkeeping Department from the drop down options within the ZIX secure email platform.

Under our Standard Courtesy Pay/Overdraft Practices you will be charged a fee of $20 each time we pay an overdraft. There is no limit on the total fees we can charge you for overdrawing your account.

When you have linked multiple accounts for Overdraft Protection Transfers you will be charged a fee of $2 each time a transfer is made from your designated account(s) to cover a transaction.

The fees shown in the examples above are current as of August 27, 2019. 

See a list of Current Fees here 

Please note that you are responsible for managing your accounts and 1st CCU's Overdraft Services are a member service that may cover inadvertent overdrafts. Extensive and/or overly-frequent usage of Overdraft Services may result in your account being closed.

Transactions may not be processed in the order in which they occurred, rather they are charged in the order in which they are received by 1st Community Credit Union. This may affect the total amount of overdraft fees incurred.

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we DO NOT authorize and pay an overdraft, your transaction will be declined.