No charges for the normal clearing and handling of checks — EVER!
Free Monthly Service
Absolutely no balance requirements. It’s that simple!
(Savings account required for credit union membership)
Your Credit Union Power Checking Account has three types of overdraft protection (options cannot be combined to pay a single item):
- Automatic Transfers from Savings: Money is transferred in the amount overdrawn. (You must request this service.) There is a service fee for each item paid using this method.
- Cash Draw Line of Credit: Transfers from your Cash Draw Line of Credit are made to your Power Checking Account in increments of $50. You must apply for a Cash Draw Line of Credit with the Lending Services Department.
- Courtesy Pay: One of three options in our overdraft protection program—a “courtesy” to cover your insufficient funds checks, up to a limit of $750, for one low fee per covered overdraft transaction. Instead of returning a check to the merchant because of insufficient funds, the Credit Union may—at its discretion–pay your check, saving you additional charges from merchant collection companies and saving you the additional embarrassment an inadvertent overdraft can cause. It also helps protect your credit rating. For detailed information, click on the link above.
If you choose, you may opt out of Courtesy Pay by completing the Opt-Out Form. Click the link provided or you can get one from Member Services.
VISA Debit Card with Rewards
Link your ActorCash VISA Debit Card to an ActorCash Power Checking Account and earn one Rewards Point for every $2 spent. There is no cost for this program, and all members with an ActorCash VISA Debit Card are automatically enrolled in the Rewards program. Debit Card points are combined with points earned by using a Platinum VISA credit card and points never expire! Fill out the simple application for a VISA Debit Card today.
[Members with an ActorCash VISA Debit Card linked to a Savings Account are not eligible to earn Rewards Points.]
Automatic Loan Payments
By having loan payments automatically deducted from your Power Checking Account, your interest charge will be lowered by 0.25% from our basic rate (excluding Mortgages and Home Equity Loans).
eBranch Online / Check Deposit Online / TouchTone Teller
Use our eBranch Online banking system to keep track of and manage your Checking Account:
- view canceled checks
- verify deposits
- set up your own eAlerts to find out when checks or deposits have cleared
With ActorsFCU’s online deposit services, Smartphone Apps and Check Deposit Online, you can be your own teller and make deposits anywhere you can get online–at home, backstage, on the road get immediate availability of funds with eLimit and eZ Hold make a deposit any time of the day or night — 24/7 — 365 days of the year with . Log on to eBranch and enroll now!
Or, if you can’t get online, access your Power Checking Account with our ActorCash TouchTone Teller at 212.869.8926 (in the NYC area) or 800.2ACTORS (800.222.8677, outside NYC).
- Transfer between accounts
- Make a loan payment
- Review your account history
- Review your most recent cleared checks
Both options give you unlimited access 24/7!
In addition to our three types of overdraft protection, ActorsFCU offers a uniquely “Actors” way of applying the ever-necessary check hold. Our system automatically restricts availability (“applies the hold”) to the funds in the order you are least likely to need them:
- Holiday Club Account
- Regular Savings Account
- eMax$ Online
- Power Checking Account
The end result: You have the maximum availability of your funds possible.
If you’d like to avoid the hassle of holds and earn a higher dividend, open a CD and you’ll typically have access to the funds you need most.
Deposit from Anywhere!
Don’t forget: for remote deposits in addition to our Smartphone Apps and Check Deposit Online, we also offer:
CO-OP Network ATMS 30,000 across the U.S. and Canada—100% fee-free to our members—of which 9,000 are deposit-taking machines! And more than 260 of them are right in NYC’s five boroughs and owned by ActorsFCU.
PayNet Check Cashers Make deposits as early as 8:00 AM to as late as midnight at participating locations, including Saturdays and Sundays! (Many locations are open 24 hours.)
CU Shared Service Centers Make fee-free teller-assisted transactions, including deposits, withdrawals, and loan payments at more than 4,000 participating Credit Union Service Centers across the country (including NYC) just like you would at our own offices. Add to that 3,500 ATMS of the 5,500 machines in 7-Elevens nationwide that belong to the CU Service Center network, and you can make deposits as well as get cash at those machines—again, with no fees to pay!
Direct Deposit You can save time and energy by having your payroll checks, Social Security checks, and others, deposited directly into your Power Checking Account!
To Debit From or Credit To Your Accounts
To debit from or credit to your Checking Account, you will need the following to be debited or credited properly:
- Routing-and-Transit Number: 226077079 (see the example below)
- Full Checking Account Number (see below)