Checking

Checking Account

Account features include:

  • No-fee credit union ATMS at six convenient locations

  • Mastercard® Debit Card

  • Pre-authorized automatic drafts (no charge)

  • Overdraft protection with savings or a pre-approved line of credit

  • Direct deposit

  • Wire transfer of funds to an outside account

  • Stop payment

Mastercard® Debit Cards

Our Mastercard® Debit Card combines the economy of a checking account with the convenience and versatility of a credit card. Your card works at millions of locations that accept Mastercard® Debit Cards. Your Mastercard® Debit Card draws money from your Share Draft Checking Account, so no interest charges apply (ATM charges may apply).

The Mastercard® Debit Card is available with our Share Draft Checking Accounts.

Protect your card directly from your phone using SecurLOCK Equip.

Please contact us if you have any other questions about the Mastercard® Debit Card or to report your card lost or stolen.

Overdraft Protection

Kerr County Federal Credit Union understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.

Overdraft Coverage Options

The choice is yours. Consider these ways to cover overdrafts:

Overdraft Fees
Service Cost
Overdraft Protection Link to another Deposit Account you have at Kerr County FCU1 No fee per transfer
Overdraft Protection Line of Credit1,2 Subject to fees + interest; subject to credit approval
Member Privilege Standard or Extended $30.00 Overdraft Fee per item presented*
1Call us at (830) 896-6800, email us at info@kerrcountyfcu.com, or come by a branch to sign up or apply for these services; 2Subject to credit approval.

*Per item presented means each time an item is presented, including representment.

Overdraft Protection

Applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account, or line of credit you may have at Kerr County Federal Credit Union for a fee or finance charge. Please note that overdraft lines of credit are subject to credit approval. Call us at (830) 896-6800, email us at info@kerrcountyfcu.com, or come by a branch to sign up or apply for these services.

Member Privilege

Allows you to overdraw your account up to the disclosed limit for a fee to pay a transaction. Even if you have Overdraft Protection, Member Privilege is still available as secondary coverage if the other protection source is exhausted.

Transaction Coverage
Transactions Covered with Member Privilege Standard Coverage (No action required) Extended Coverage (Your consent required on consumer accounts)*
Checks X X
ACH – Automatic Debits X X
Recurring Debit Card Transactions X X
Online Bill Pay Items X X
Teller Window Transactions X X
ATM Transactions X*
Everyday Debit Card Transactions X*

If you would like to select Extended Coverage for future transactions:

*If you choose Extended Coverage on your consumer account, ATM transactions and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Member Privilege Extended Coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage.

You can discontinue Member Privilege in its entirety by contacting us at (830) 896-6800 or sending us an e-mail at info@kerrcountyfcu.com.