Consideraciones especiales sobre el precio del servicio
Miembros consumidores: Visite adviacu.org/aplus para obtener información sobre cómo puede ganar hasta $10 Advantage Bucks al mes para compensar cargos por servicios seleccionados. Los miembros menores de 25 años y mayores de 60 años, así como los titulares de cuentas con el tipo "Representante del Beneficiario", califican automáticamente para recibir estados de cuenta impresos y giros postales gratuitos.
Miembros comerciales: Si la relación comercial es por un monto agregado de $50,000 o más, califica para un descuento del 100% en la tarifa de mantenimiento con intereses, un descuento del 50% en los cargos por transacción y resúmenes impresos gratuitos; si la relación comercial es Sweep, califica para un descuento del 100% en la tarifa de mantenimiento con intereses, un descuento del 100% en los cargos por transacción, transferencias de sobregiro gratuitas y resúmenes impresos gratuitos.
- The ATM operator may charge you a fee for each ATM transaction. The ATM operator may treat each balance inquiry and withdrawal as a separate ATM transaction even if they are conducted during the same ATM session. This means you may be charged multiple fees for multiple transactions during the same ATM session. For example, if you use a non-Advia CU ATM to obtain your balance you may be charged a fee and you may be charged a separate fee if you conduct a withdrawal transaction from the ATM during the same session.
- Courtesy Pay Coverage on Overdraft. Your account has two kinds of balances: the actual balance and the available balance. We use the available balance to determine whether a transaction will overdraw your account, be returned or declined, and for determining when an overdraft (Courtesy Pay) or NSF (Returned Item) fee will be imposed. Your actual balance reflects transactions that have posted to your account but not transactions that have been authorized and are pending (including debit card transactions). Your available balance represents your actual balance minus any holds on your account, such as debit card transactions that have been authorized but are pending final settlement or holds for checks you have deposited. You are responsible for ensuring your available balance is sufficient to cover all of your transactions. You can review your actual and available balances when you review your account online, at an ATM, by phone, by mobile application, or at a branch. For additional information on your available balance, please review the Courtesy Pay Overdraft Protection and Your Account program description and contact us if you have any questions.
- Returned Item (Debit, Draft/Check, Electronic Fund Transfer, External Transfers, including transfers from member-owned accounts at other financial institutions to their Advia account). We use your available balance to determine whether an item will be paid or returned. We will charge you a Returned Item fee each time an item is presented for payment even if the same item is presented for payment multiple times. We do not control when (and how often) an item is presented to us for payment. You may be charged multiple Returned Item fees for one item (for example, one check or one ACH debit) if that item is presented and returned more than once. All service charges subject to change. NSF – Non Sufficient Funds; ATM – Automatic Teller Machine; ACH – Automated Clearing House.