HALLCO Community Credit Union

Loans and Services available to Residents of Hall, White, Dawson, and Lumpkin Counties





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MEMBERSHIP
BENEFITS

Why Join A Credit Union?

Gainesville Branch
2601 Limestone Parkway
Gainesville, GA 30501
770-534-4255

Oakwood Branch
3560 McEver Road, Suite A
Gainesville, GA 30504
770-531-5559

Cleveland Branch
379 E. Kytle Street
Cleveland, GA 30528
706-219-4384

1-800-849-4255

Hours of Operation
Mon - Thur 8:00 - 5:00
Friday 8:00 - 6:00
Closed Saturday and Sunday

Loans Savings Services
 

Overdraft Opt-In Form

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if HALLCO Community Credit Union pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee of up to $32 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account.

What if I want HALLCO Community Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, complete and submit the form below and a member service representative will contact you shortly.

What are we trying to say?


I wantHALLCO Community Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions. I understand that I have an ongoing right to revoke my consent at any time. How to Opt-Out: Please call HALLCO Community Credit Union at 1-800-849-4255 or 770-534-4255 or stop by one of our branches to revoke your authorization at any time.
 
Date: Name:
Account No.: Email:
Home Phone:
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