Overdraft Protection
Protect your account from overdraft fees.
Overdraft Protection
Protect your account from overdraft fees.
Avoiding Overdraft Fees
As your financial partner for life, our goal is to educate you about products and services that will help you manage your account and reduce the potential for overdraft fees. Here are some easy steps you can take to reduce your chances of overdrawing your account.
Benefits of Overdraft Protection
Automatic Overdraw Transfers
Low Balance Alerts
Personal Financial Management Tools
Meeting With a Financial Services Officer
Line of Credit or Credit Card
Opt-Out of Overdraft (purchases are declined at point of sale)
Let’s Get Started With Overdraft Protection
Member Story
“I have been a member at First Commerce Credit Union since 1996. I must compliment your employee who went above and beyond the call of duty more so than any customer service representative I have ever experienced. She was very professional, friendly, and patient.”
Plan for Your Financial Future
First Commerce offers additional educational resources to help you manage your financial goals.
Take Charge of Your Finances
Power Checking
Power Checking is loaded with features including no Overdraft Fees, multiple levels of CoverMe Protection, Early Payday and more. Plus, it even pays interest on your account balance.
EvenUp Savings Account
Make saving money automatic! When you make a purchase with your FCCU debit card, we’ll round up the amount to the next whole dollar and transfer the difference automatically to your EvenUp Savings Account.
Six Pillars Financial Advisors
Schedule time with Six Pillars Financial Advisors, a subsidiary of First Commerce, for free comprehensive financial planning to help you pursue your financial goals.
Power Checking
Power Checking is loaded with features including no Overdraft Fees, multiple levels of CoverMe Protection, Early Payday and more. Plus, it even pays interest on your account balance.
EvenUp Savings Account
Make saving money automatic! When you make a purchase with your FCCU debit card, we’ll round up the amount to the next whole dollar and transfer the difference automatically to your EvenUp Savings Account.
Six Pillars Financial Advisors
Schedule time with Six Pillars Financial Advisors, a subsidiary of First Commerce, for free comprehensive financial planning to help you pursue your financial goals.
Your Financial Partner for Life
Established in 1940, First Commerce is a full-service, not-for-profit credit union with locations across North Florida and South Georgia. We are a member-owned cooperative and committed to the communities we serve. Our purpose is to empower people to enhance their financial well-being by helping them achieve their financial goals – whether it’s simplifying their day-to-day finances, buying their first car or home, or building a great retirement. When you bank with First Commerce, you get a truly personal experience backed by 80 years of financial expertise.
APR = Annual Percentage Rate; APY = Annual Percentage Yield
Six Pillars Financial Advisors products and services are not federally insured; are not obligations of or guaranteed by First Commerce Credit Union; involve investment risk; and may be offered by a dual employee who accepts deposits on behalf of First Commerce Credit Union and also sells non-deposit investment products on behalf of Six Pillars Financial Advisors.
