Checking Account Questions & Answers

Q.

What happens to my checking account?

A.

If you hold an Alameda Checking account, it will automatically become a Provident Simply Free Checking account. This account remains free of monthly fees. A $4 fee will be applied to all overdrafts.

Q.

Will I get new checks?

A.

Yes. If you have a checking account at Alameda, you will receive a complimentary box of new Provident Specialty Blue checks and instructions before October 1st, 2013. On October 1st, 2013 it is very important that you immediately discontinue using your old checks and begin using your new Provident checks to avoid disruption in your banking services. Alameda checks received after December 1st, 2013 may not be paid.

Q.

Do I receive a new debit card?

A.

Yes. If you have a Visa® debit card with Alameda Credit Union, you will receive a new Provident Visa debit card before October 1st, 2013. On October 1st, 2013 you should start using your new debit card and discontinue using your Alameda debit card, as it will no longer work on September 30th, 2013. Be sure to provide your new debit card number to anyone who directly debits your account (e.g. fitness memberships, internet service providers) prior to October 1st, 2013. When you receive your new debit card be sure to follow the instructions to select your new PIN.

Q.

If I have debit transactions pending on my old Alameda Credit Union Visa debit card account, will they post to my new Provident checking account?

A.

Yes. Any pending transactions that occurred using your Alameda Visa debit or credit card will post to your new Provident accounts. To view your Provident accounts and transactions please enroll in our online banking system.

Q.

Does Provident offer overdraft protection for my checking account?

A.

Yes, Provident does offer overdraft protection for your checking account, and the overdraft selections that you currently have set up at Alameda will carry over to Provident during the conversion process.

Q.

Does Provident offer a Courtesy Pay service for checking accounts?

A.

Yes. Provident's Courtesy Pay program allows members to access their Courtesy Pay service if they perform certain transactions but do not have enough funds in their checking account to cover the transaction. For each transaction that triggers the use of Courtesy Pay, the member is charged a $23 fee. We do not employ any daily transaction caps and we allow members to access the Courtesy Pay program as often as they need, up to their account type limit.

The following transactions are automatically covered by our Courtesy Pay service:

  • Written Checks
  • Pre-authorized electronic debits
  • Pre-authorized Debit Card transactions

In order for Courtesy Pay to cover the following transactions members must expressly opt-in. We do not automatically enroll members to have Courtesy Pay cover these transactions and they are given written or electronic confirmation of their enrollment.

  • One-Time Debit Card transactions
  • ATM Withdrawals

To enroll in Courtesy Pay to have one-time debit and ATM withdrawal transactions covered by our Courtesy Pay service please enroll in our online banking system on or after October 1, 2013 and click on the Courtesy Pay link in the left side navigation bar.

 

(800) 632-4600

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321171731

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