Additional Services

At West Virginia Federal Credit Union, we focus on convenience, value, and service for our members. We offer options to simplify your life, not just your banking. These are just a few of the added convenience services we provide.

Overdraft Protection / Courtesy Pay

Avoid the stress, embarrassment and unnecessary fees for returned checks! Never worry about overdrawing your Checking Account again. Overdraft protection provides the automatic coverage you need in the event you accidentally write a check and don't have the funds to cover it. Stop by one of our locations and sign up! Two forms of Overdraft Protection are available:

Overdraft Protection from Shares

Overdraft Protection covers purchases and prevents returned checks and declined items if you don't have funds in the account.  Overdraft Protection links your WVFCU checking to your savings account.  It will automatically transfer funds in $100 increments from your Share (savings) account to your Checking account in the event you accidentally overdraw on your account. 

  • Funds are transferred to cover the amount of the overdraft.

  • A fee will be assessed for each transfer. (See Fee Schedule)

  • Regulations limit the number of transfers in a statement cycle.

Courtesy Pay

West Virginia Federal Credit Union offers an overdraft privilege program that gives members an added level of protection against unanticipated cash flow, emergencies, and account reconciliation errors. This useful service can help prevent the inconvenience and potential embarrassment of declined transactions or returns.

  • Must be a member for 60 days.

  • Share drafts and ACH debits will be permitted to overdraw their personal share draft account up to a limit of $500, including any fees associated with the program.

  • A fee will be assessed each time an overdraft is paid. (See fee schedule)

  • All overdrafts must be brought current within 30 days

  • Returns occur when you do not have enough money in your account to cover a transaction, and the Credit Union returns it.

  • Overdrafts are paid at the credit union's discretion.  We do not guarantee we will always authorize and pay any type of transaction.

After August 15, 2010, Regulation E regarding the Electronic Fund Transfer Act prohibits the credit union from overdrawing your account and charging a Courtesy Pay fee for ATM transactions or one-time debit card transactions, unless you request to "Opt-In" to this service. If you choose not to Opt In, your transactions using an ATM or a one-time debit card purchase will be declined when you have insufficient funds on deposit to cover the item. This will help avoid fees.  Please note that recurring debit card purchases, such as monthly membership fees that routinely draft your account using your debit card number, check, or Bill Pay, are excluded from this provision of Regulation E.  You have the option to opt in or out at any time.  (See our frequently asked questions regarding Reg. E)

Cross-Account Transfers

Take advantage of the convenience of Cross-Account Transfer Authorization. If you have multiple accounts with different member numbers, we have an option available to allow authorization transfers from one member number to a different member number. Transfer can be completed both on our Personal Account Teller (PAT) and eBranch Online Banking.

Stop in at your nearest branch location to sign up.

Safe Deposit Box

Safeguard Your Treasures

Manage your valuables and important documents with the security of a safe deposit box. They are safe, secure, and provide convenient access to those items you absolutely can't be without.

Maintain your peace of mind for an affordable price. We have safe deposit boxes available in various sizes. If you are interested in protecting your valuables, stop by one of our locations today for more information. There's no better deal when it comes to safeguarding your personal treasures than a safe deposit box from West Virginia Federal Credit Union.

Protect your important documents like birth certificates, your marriage license, etc., and avoid them being destroyed or misplaced.

  • Must be a member to qualify for the box

  • Boxes are available in sizes 3X5, 3X10, 5X5, 5X10 & 10X10 (Depending on location & availability)

  • Annual fee due on September 30th of each year. (direct debit)

  • Fees apply to Lost Key and/or drill box services

Stop by one of our convenient locations to find out more information.

Surcharge-Free ATMs

Redesigned with a more modern look and improved functionality.

Alliance One ATM Locator is a group of financial institutions that have joined together to provide their members/customers with access to a nationwide network of surcharge-free ATMs. Click on the link below and search for a surcharge-free ATM.

The Alliance One link is located on our website for easy navigation to the nearest ATM in the network. To avoid costly foreign ATM service fees, just look for the blue and white Alliance One logo on ATM's around town or across the USA. You can also search for participating Alliance One ATM's anytime by visiting www.allianceone.coop. 

Save time - and money! Automatically transfer funds from your Checking or Savings Account to make your West Virginia Federal Credit Union payment each month, and you may receive a discount on the loan rate. (See Preferred Relationship Program for details)

Combined Statements

This complimentary service combines all of your West Virginia Federal Credit Union deposit accounts into one, easy-to-read statement. See all of your deposit and loan activity for the month, which makes managing your finances easier.

Night Depository

Make deposits any time of the day or night with our convenient night depository at any of our locations.

Official Checks

For those times when a personal check will not suffice, this payment option is available. (Fees apply, see Fee Schedule for details)

Wire Transfers

We can help you to wire to or receive funds from anywhere within the country and around the world. Wired funds are fast and secure. (Fees apply, see Fee Schedule for details)

Direct Deposit

Want instant access to your paycheck, Social Security, or other recurring payments? With Direct Deposit, you can avoid situations such as losing your paycheck, excessive visits to the credit union, and bouncing personal checks, because your money is securely deposited into your account electronically. This method is safe, convenient, reliable, quick, and it gives you immediate access to your money.

Need further information? Stop by one of our convenient locations to find out how we can help you.