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Important Information Regarding ATM & Debit Transactions

In the News: New Federal Overdraft Rules Regarding ATM Withdrawals and Debit Purchases.

A message from Riverfront Federal Credit Union

You may have noticed reports in the news recently regarding a change in Federal law governing electronic transactions in financial services. The rule change prohibits the charging of overdraft fees for one time ATM and debit card transactions that cause an account to overdraw, unless the account holder opts in to specifically allow their account to be overdrawn by ATM and debit card transactions.

This rule change will not impact Riverfront Federal Credit Union members.

Riverfront approves ATM and debit card transactions as long as equivalent funds are available in our member’s account. The overdraft limit we establish for qualified members under our Overdraft Privilege Program has never been used to authorize ATM withdrawals or debit purchases.

Of course, when considering approval of ATM and debit card transactions, we will take into account balances available in a member’s other savings or credit line accounts at RFCU. We call this Overdraft Protection. While many other financial institutions charge a fee for this service, Overdraft Protection is a free member benefit here at Riverfront.

We believe that the design of our Overdraft Privilege and Overdraft Protection Programs enhance the value proposition that we offer to our members in the form of convenient, affordable financial service, which enables us to “Grow Stronger Together.”


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