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CHECKING ACCOUNTS

Share Draft Accounts(Checking) & Debit Cards

1st NRV FCU Share Draft Checking Accounts and Debit Cards.

We provide the accessibilty & flexibility that consumers want and need!


 

 

 Have 24/7 access to your accounts through our provided ATM Service (use our ATM locator to find other surcharge free ATMs in the area other than our on-site ATM). You also have the ability to write personal checks from your account, use your debit card for purchases online and in the store ($1500.00 limit per day), or withdraw cash from the ATM ($500.00 limit per day). So come on down and open your LIFETIME FREE 1st NRV FCU checking account today!

 

  • No minimum balance requirement for checking accounts at First NRV FCU
  • No monthly fees, check clearing charges*, or teller transaction fees
  • Unlimited surcharge-free ATM transaction at any First NRV ATM or any other ATM covered under the CU24 network (use our ATM locator on the main page of our website to find these other ATMs)
  • With any non-First NRV ATM or non–CU24 ATM we charge $1 for each transaction (Balance inquiries are $0.50 per account inquiry)
  • Overdraft Protection is available to all our members
  • eStatements are now available (Call us at the Radford Office to switch over to eDocuments today!)
  • Funds Availability Policy applies
  • Average Daily Balance of $100.00 required for check cashing with no fee (see our current schedule of fees for the applicable fee amount).

 

 

Notice: First NRV FCU will not contact you to notify you of a potential and/or pending overdraft.

                   Checks will be available for purchase. Anyone 65+ years of age can get checks for free.

                   *If a check or ACH were to come through for payment and the funds are not available, there will be a $40 insufficient funds fee applied to the account. No exceptions.

 

 


 

 

Debit Cards

You can now sign up to receive a Debit card with your checking account!

 

  • The first one is free. If it is lost or broken there is a $10 replacement fee for each card you have replaced. This is a recurring fee, so if you break or lose two different cards, a $10 fee will be applied to your accounts for each separate card. The fee will only be waived if a fraudulent charge tries to come across your personal debit card.

 

  • After October 1, 2017, there will be a $10.00 fee for any PIN Reissue (In other words, remember your PIN numbers or else a fee will be applied to your accounts for changing your PIN!)

 

 

Debit/ATM Card Daily Limits

 

  • There is a $500.00 withdrawal limit at the ATM every 24 hours.

 

  • There is a $1,500.00 point of sale daily transaction limit for every 24 hours.

 

  • We can raise these limits per your request, but you must call us at 540-639-0885 in order to do so.



 

 

 


 

Overdraft Protection Option

Overdraft Protection




 

 
  • Don't have enough money in your checking account to cover that last transaction you made with your debit card? No worries, First NRV has you covered with our Overdraft Protection Service!

 

  • This can only be done 6 times within one month, and afterwards, a $20.00 Regulation D fee will be applied to your accounts for every transfer made afterwards. This is a Federal Regulation that we are legally obliged to uphold. No exceptions will be made.

 

  1. This fee is regulated federally by the NCUA & the Federal Reserve. We did not create this fee, but we are required to administer it. Just keep track of how many transfers you have made within a month, and you will easily and consistently avoid this fee! A HELPFUL TIP:  Take advantage of our online account access through this website to keep better track of the transfers that you have made each month! This will help you dodge the Reg D fee! Just remember, no more than 6 transfers from your savings to your other accounts within one month, or else a $20.00 fee will be applied to your account. NO EXCEPTIONS WILL BE MADE.

 

 

 


 




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