Automatic Overdraft Transfers
Set up your checking account to automatically transfer money from your primary share account, overdraft protection line of credit, or another one of your accounts when there aren’t sufficient funds in your checking account to cover checks you’ve written or automatic deductions you’ve set up. It’s incredibly convenient when you need it.
Courtesy Pay Protection
Mistakes are inevitable, returned checks or payments are not. With Highmark’s Courtesy Pay, you may avoid the embarrassment of a declined debit card, or the hassle of returned checks or automatic payments, in addition to the merchant fees that follow. If you never use it, there is no charge for the peace of mind Courtesy Pay provides. But if you find you need it, Highmark will make sure your check/payment is paid, (up to $500 in most cases), with only the Courtesy Pay fee applied.
Some eligibility restrictions apply. Accounts with Courtesy Pay will be charged the standard overdraft fee of $30 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid. A negative balance must be repaid within 30 days to be in good standing. Highmark Federal Credit Union may choose to not pay items under the Courtesy Pay program if the account is not maintained in good standing, or if the account is not brought into a positive balance within a thirty day period for a minimum of 24 hours, or if there is a default on any loan or other obligation to Highmark Federal Credit Union, or if the account is subject to any legal or administrative order or levy.
Absolutely Free Checking
Are you tired of paying for fees on banking services that you use everyday?
Come on over to Highmark Federal Credit - they offer absolutely free checking with no monthly service charges, no minimum balance, and unlimited check writing. In addition to this, Highmark has always provided FREE debit card use, FREE Bill-pay, and e-statements.
Stop in, visit with any of our friendly member service staff, sign up for your free services, and start enjoying a “better world” for yourself today!
Check out all the benefits of Highmark’s FREE checking:
- Free Online Banking- It’sMe247
- Free 24/7 Phone Banking – CU*TALK
- Free E-Statements
- No Monthly Service Fees
- No Minimum Balance Requirements
- No Check Writing Limits
It may only seem like "pocket change", but over time it can add up to big savings.
Automatically add your "pocket change" to your Highmark share savings account every time you make a debit card purchase, PLUS earn interest on your savings when your balance is $100 or more.
It's simple: We round up every debit card purchase to the next whole dollar and transfer the difference to your savings account. Now you're saving AND earning interest, too!
How It Works:
When you enroll in the FREE Round-It-Up program, the amount of any purchase or payment made with your Highmark debit card is rounded up to the next whole dollar, and the difference is transferred into your savings account.
At the end of each business day, we round up the amount of each purchase and transfer that amount from your checking account to your Highmark savings account. Round-It-Up amounts for purchases are always made on the same day the transaction is posted to your checking account.*
Track Your Savings
It's easy to keep track of your savings. Just round up the transaction amount in your checkbook each time you make a debit card purchase. Your monthly bank statement will contain an itemized list of transactions, plus provide a record of the Round Up savings transfers and the new balance of your Savings Account.
Get Started Today!
- Open or have an existing Highmark checking account with a debit card.
- Enroll Now!
Highmark Federal Credit Union reserves the right to cancel the Round-It-Up program at any time. Cancellation of the program does not affect the balance of savings deposits prior to cancellation date.
*If on a business day you do not have sufficient available funds in your checking account, or if any transaction has overdrawn your checking account, we do not round up purchases posted on that business day and we cancel the transfer for that day. If your Highmark Debit Card purchase is subsequently cancelled or reversed, the corresponding Round-It-Up Savings round up transfer remains in the savings account.