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Checking: A new federal banking regulation requires credit unions to do away with checking account coverage unless members inform their credit union, in writing, that they want it. "Opt In" - Important Information on Keeping Your Current Checking Account Coverage Click here for the form to agree to keep your Current Checking Account coverage.Why Opt-In? What other options do I have? Please contact us if you would like more information on additional choices you can make to protect your debit card purchases through your CPCU checking account. How do I Opt-In? What is Opt In and Member Privilege?: Federal lawmakers created new rules for overdraft protection programs that went into effect July 1, 2010. As a result you must "opt in" or agree in writing to continue the coverage you may have had with us for our overdraft protection program: Member Privilege. CPCU's Member Privilege covers everyday debit card transactions and ATM withdrawals and fees are incurred with each overdraft. Please note that this federal regulation only applies to everyday debit card transactions and ATM withdrawals. The new federal regulation does NOT apply to Member Privilege coverage of written checks and recurring debit transactions such as health club memberships, utility bills, etc. Priority PayDay Checking - only at Carolina Postal Credit Union How would you like payday to come early? If you are a United States Postal Service Employee and have your paycheck Direct Deposited to your CPCU checking account then you get paid BEFORE Postal Payday on Fridays! We know that Friday can be your busiest and most stressful day at the Postal Service and in order to assist our USPS members with handling their busy lives, CPCU now offers Priority Payday Checking! Already a member? Then just call, and our staff can assist you with opening your checking account quickly. Not yet a member? Come by any branch office to open your share account ($25.00) and then your Priority Payday Checking Account (Direct Deposit required to receive this benefit). You may also go to our Online Applications page and join through the mail. Some restrictions may apply. Currently only available to active USPS employees. Your CPCU Checking Account
Need Check Copies? New Format as of 2/4/08: If you need a copy of a check that cleared BEFORE February 4th, 2008, you will need to contact an Account Manager at 1.800.865.0445. Due to Check 21 Federal regulations, check copies will no longer be available online in a "gray-scale" but pure black & white copies. Due to the format changes for the new black & white copies, older versions of cleared checks will need to be ordered through us.
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