Here are some ways to avoid or minimize paying fees.

Avoid overdraft fees

• Sign up for Overdraft Protection from savings or a line of credit. An overdraft transfer fee ($5 effective 9/1/10) is much less than an overdraft or NSF fee.
   
• Immediately subtract in your check register any checks, debit card or electronic deductions and other withdrawals.
   
• Use Online Banking or QuikLine Phone Banking to keep tabs on your account.
   
• Balance your checking register regularly.

Avoid ATM fees

• Use Virginia Credit Union and surcharge-free ATMs when possible.
   
• Get a SuperCheck debit card and get 4 network ATM withdrawals from checking per month with no VACU network ATM fee. Remember, ATM owners may apply a surcharge.
   
• Reduce your need for cash. Use a debit card for purchases from your checking account.
   
• Get cash back with purchases when you use your debit card with your PIN. Many stores offer this option.
   
• Plan ahead. If you get more cash when you use an ATM, you can make fewer trips.

Avoid savings account fees

• Limit cash or official check withdrawals to 2 per month to avoid excessive withdrawal fees.
   
• To avoid a fee for an official check when you need a check from savings, transfer the funds to your VACU checking account and write your own check. Or request an official check through Quikline Phone Banking.
   
• Maintain a regular savings account balance of at least $100 or use other VACU services to avoid a savings-only fee for a savings account opened more than 1 year (members under 23 excluded).

Avoid late fees

• Make loan payments with payroll deduction or an automatic transfer from your checking account.
   
• Use Online Banking or QuikLine Phone Banking to transfer loan and credit card payments anytime.
   
• Set up recurring payments through Online Banking.
   
• If you use the mail, always allow ample time for payments to reach us by the due date on your loan or credit card statement. Be sure to mail payments to the correct addresses.
   

Avoid inactivity fees

• Maintain a total share balance of at least $100 or keep your accounts active.

Avoid other fees

• Sign up for a Relationship Package based on your combined balances to get more free services and other benefits.
   

Please contact us if you have questions or we can help you in any way.