Checking

Your flexible, day-to-day money management solution.

Free Checking

Filled with perks and totally free.

  • No monthly fees
  • No minimum balance
  • Free direct deposit
  • Free online banking
  • Free online bill pay
  • Free e-Statements
  • Free ATM/Visa® Debit Card*
  • Added debit card protection with Verified by Visa
  • Unlimited check writing
  • Access to surcharge-free ATMs
  • Nationwide account access through Shared Branching

Additional Details

  • $50 required to open
  • Dividends earned daily (with a minimum balance of $2,500) and posted monthly
  • Statements are mailed monthly
  • Savings account with minimum $5 deposit is required before a checking account can be opened
  • To change your PIN number for your debit card over the phone, please call 1-800-992-3808

Take control of your cash and full advantage of all the Sabine benefits with this fee-free checking account.

Deposit Account Rates (Rate Table)
 ProductRate
Checking0.05% APY (With minimum balance of $2,500)

Overdraft Coverage Options

Accidents happen. If you overdraw, you have options to help avoid additional inconveniences.

Fees associated with overdraft coverage.
ServiceCost
ServiceOverdraft Protection link to one or more deposit accounts you have at Sabine FCU1Cost$3 fee per transfer
ServiceLine of Credit1,2CostSubject to interest
ServiceOverdraft Privilege Standard or Extended CoverageCost$30 Paid NSF Fee per item presented*

1 Call us at (409) 988-1300, email us at sabine@sabinefcu.org, or come by one of our full-service branches to sign up or apply for these service(s).

2 Subject to credit approval.

* Per item presented means each time an item is presented, including representment.

Overdraft Protection applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or line of credit you may have at Sabine FCU for a fee or finance charge. Please note that lines of credit are subject to credit approval.

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee to pay a transaction. Even if you have Overdraft Protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted. Please review What Else You Should Know for other important information.

Overdraft Transactions Covered

Chart of coverage for types of overdrafts and whether they are covered by standard or extended overdraft coverage.
Transactions Covered with Overdraft PrivilegeStandard Coverage*Extended Coverage**
Transactions Covered with Overdraft PrivilegeChecksStandard Coverage*YesExtended Coverage**Yes
Transactions Covered with Overdraft PrivilegeACH – Automatic DebitsStandard Coverage*YesExtended Coverage**Yes
Transactions Covered with Overdraft PrivilegeRecurring Debit Card TransactionsStandard Coverage*YesExtended Coverage**Yes
Transactions Covered with Overdraft PrivilegeOnline Bill Pay ItemsStandard Coverage*YesExtended Coverage**Yes
Transactions Covered with Overdraft PrivilegeTeller Window TransactionsStandard Coverage*YesExtended Coverage**Yes
Transactions Covered with Overdraft PrivilegeATM TransactionsStandard Coverage*NoExtended Coverage**Yes
Transactions Covered with Overdraft PrivilegeEveryday Debit Card TransactionsStandard Coverage*NoExtended Coverage**Yes

*No action is required.

**Your consent is required. If you choose Extended Coverage on your account, ATM transactions and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Overdraft Privilege Extended Coverage, it is not necessary to request it again.

You can discontinue Overdraft Privilege in its entirety by contacting us at (409) 988-1300 or sending us an email at sabine@sabinefcu.org. If you are receiving this communication via letter, please provide us with a valid email address to receive future communications via email rather than by postal service.

If you have any questions about Overdraft Protection or Overdraft Privilege, please call us at (409) 988-1300 or visit a branch.

If you would like to select Extended Coverage for future transactions:

What Else You Should Know

  • A link to another account or line of credit may be less expensive than an overdraft. A single larger overdraft will result in one fee, instead of multiple smaller overdrafts. Use our mobile, internet, and TellerLine services to track your balance. For financial education resources, please visit www.sabinefcu.org/resources/.
  • The $30 Paid NSF Fee that is charged if you overdraw your account is the same fee that is charged if an item is returned as unpaid. If multiple items overdraw your account on the same day, each item will be assessed an appropriate Paid NSF Fee or an NSF Fee of $30. All fees and charges will be included as part of the Overdraft Privilege limit amount. Your account may become overdrawn more than the Overdraft Privilege limit amount because of a fee.
  • Recipients of federal or state benefits payments who do not wish us to deduct the amount overdrawn and the Paid NSF Fee from funds that you deposit or that are deposited into your account may call us at (409) 988-1300 to discontinue Overdraft Privilege.
  • Overdraft Privilege is not a line of credit; it is a discretionary overdraft service that can be withdrawn at any time without prior notice.
  • Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all overdraft and fee amounts, as described in the Membership and Account Agreement. The total (negative) balance, including all fees and charges, is due and payable upon demand.
  • If an item is returned because the Available Balance (as defined below) in your account is not sufficient to cover the item and the item is presented for payment again, Sabine FCU (“We”) will charge an NSF Fee each time it returns the item because it exceeds the Available Balance in your account. Because we may charge an NSF Fee each time an item is presented, we may charge you more than one fee for any given item as a result of a returned item and representment of the item. When we charge an NSF Fee, the charge reduces the Available Balance in your account and may put your account into (or further into) overdraft. If, on representment of the item, the Available Balance in your account is sufficient to cover the item we may pay the item, and, if payment causes an overdraft, charge a Paid NSF Fee.
  • There is no limit on the total Paid NSF Fees per day we will charge.
  • Our general policy is to post items throughout the day and to post ACH credits before debits. ATM, ACH and debit card transactions, and paper checks are posted in the order in which the items are received; however, because of the many ways we allow you to access your account, the posting order of individual items may differ from these general policies. Holds on funds (described herein) and the order in which transactions are posted may impact the total amount of Paid NSF Fees or NSF Fees assessed.
  • We may be obligated to pay some debit card transactions that are not authorized through the payment system but which we are required to pay due to the payment system rules, and as a result you may incur fees if such transactions overdraw your account. However, we will not authorize debit card or ATM transactions unless your account’s Available Balance (including Overdraft Coverage Options) is sufficient to cover the transactions and any fee(s).
  • Giving us your consent to pay everyday debit card and ATM overdrafts on your consumer account (Extended Coverage) may result in you incurring Paid NSF Fees for transactions that we would otherwise be required to pay without assessing a Paid NSF Fee. However, this would allow us to authorize transactions up to the amount of your Overdraft Privilege limit. If you consent to Extended Coverage on your consumer account, it will remain on your account until it is otherwise withdrawn.

UNDERSTANDING YOUR AVAILABLE BALANCE:

  • Your account has two kinds of balances: Current Balance and Available Balance.
  • We authorize and pay transactions using the Available Balance.
  • Your Current Balance reflects the full amount of all deposits to your account as well as payment transactions that have been posted to your account. It does not reflect checks you have written and are still outstanding or transactions that have been authorized but are still pending.
  • Your Available Balance is the amount available to you to use for purchases, withdrawals, or to cover transactions. The Available Balance is your Current Balance, less any holds due to pending debit card transactions and holds on deposited funds.
  • The balance used for authorizing checks, ACH items, and recurring debit card transactions is your Available Balance plus the amount of the Overdraft Privilege limit and any available Overdraft Protection.
  • The balance used for authorizing ATM and everyday debit card transactions on accounts with Standard Coverage is your Available Balance plus any available Overdraft Protection but does NOT include the Overdraft Privilege limit.
  • The balance used for authorizing ATM and everyday debit card transactions on accounts with Extended Coverage is your Available Balance plus any available Overdraft Protection and includes the Overdraft Privilege limit.
  • Because your Available Balance reflects pending transactions and debit holds, your balance may appear to cover a transaction but later upon settlement it may not be sufficient to cover such transaction. In such cases, the transaction may further overdraw your account and be subject to additional overdraft fees. You should assume that any item which would overdraw your account based on your Available Balance may create an overdraft. Note that we may place a hold on deposited funds in accordance with our Membership and Account Agreement, which will reduce the amount in your Available Balance.
  • Please be aware that the Overdraft Privilege amount is not included in your Available Balance provided through online banking, mobile banking, TellerLine, or Sabine FCU’s ATMs.
  • We will place a hold on your account for any authorized debit card transaction until the transaction settles (usually within two business days) or as permitted by payment system rules. In some cases, the hold may exceed the amount of the transaction. When the hold ends, the funds will be added to the Available Balance in your account. If your account is overdrawn after the held funds are added to the Available Balance and the transaction is posted to the Available Balance, a Paid NSF Fee may be assessed.
  • Except as described herein, we will not pay items if the Available Balance in your account (including the Overdraft Privilege limit, if applicable) is not sufficient to cover the item(s) and the amount of any fee(s).

UNDERSTANDING OVERDRAFT PRIVILEGE LIMITS:

  • New checking accounts will receive a $100 Introductory Overdraft Privilege limit at account opening that will be increased to $500 after 30 days in good standing and may be increased up to $700 after the checking account has been opened a minimum of one year.
  • Overdraft Privilege may be reduced or suspended if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, if you fail to maintain at least the minimum par value of shares, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within 32 days for a minimum of one business day. You must bring your account balance positive for at least one business day to have the full Overdraft Privilege limit reinstated.

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