Withdrawals
We may refuse withdrawal request if any identification
that we or the law require have not been presented to
us. Although non-cash deposits earn dividends from the
date first credited to your account the time when they
may be withdrawn is governed by the credit union’s
funds availability policy.
Check holds
The maximum hold on checks is 15 days except when
used to open an account. You will be told at that time
if the hold will be longer and why. There is currently
no limit on the number of transactions a member can
make. By opening and maintaining an account with the
credit union, you have agreed to the Bylaws of the credit
union. To open an account, you must deposit at least
$10 and pay the $15 membership fee, a total of $25.
Checking Accounts
Checking account holders must keep a security deposit
of $100 in their account at all times. It will not be
used to cover any checks written. If fees reduce this
amount, it must be replaced. A member who bounces four
checks will have their checking account closed.
ATM Cards
Members may use their ATM card to withdraw all funds
available in their accounts unless the ATM has a limit
on the amount that it dispense. Members can withdraw
for free from Bethex FCU ATMS. For all other withdrawals,
the credit union charges $1.25, which is added to the
surcharge charged by the non-Bethex ATM. There is a
$1.75 charge for a balance inquiry at a non-Bethex ATM.
Robot Teller
Call your branch to set your Robot Teller PIN number.
Call 718-299-9100 x 8 to check your balance, make transfer
and loan payment. This service is free and available
24 hours a day, 7 days a week.
Non-Members: Because our
credit union has low-income designation from the National
Credit Union Administration, it may accept deposits
from banks, foundations, companies, well-wishers, but
these may not use our services. Both member and non-member
accounts in this credit union are federally insured
by the National Credit Union Share Insurance Fund. (NCUA
is an agency of the federal government.)
WHAT FEES MIGHT BE CHARGED?
Bethex FCU is a financial cooperative. Cooperatives
are not for profit. This means that any fee that we
charge pays for the services that you use. In many cases,
if the credit union did not charge a fee, it could not
offer the service. Any extra money made from fees will
be returned to you in dividends or increased services.
WILL I BE NOTIFIED OF CHANGES?
Notices will be posted in the credit union and on
this web-site, www.bethexfcu.coop, 30 days before any
changes go into effect. Any changes in dividend rate
will appear on your statement as well as in our newsletter.
Please read your Newsletter and statements
for updates.
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