Futurity College Checking/Savings
Savings, checking, and loans for young adult members!
What are the differences between a FREE checking account and the Futurity checking account?
Futurity Checking is automatically linked to your savings account (also known as an Overdraft Transfer) as a first line of defense if you overdraw your account. We’ll waive the fee on the first two overdrafts per month – which would normally be $3 each.
Why? If you have money in your Savings Account, it helps you avoid using Courtesy Pay which costs more to use ($15).
Futurity Checking has a lower limit ($200) on Courtesy Pay to keep you for going too far in debt when you mess up or are short on cash.
Why? Getting your account in the negative can be hard to catch up on. We want to give you a tool to use to get financially savvy, not put you into debt!
Futurity Checking has lower fees for Non-Sufficient Funds and Courtesy Pay. We also waive five foreign ATM transactions per month.
I want my money back for the fees I paid to use an out of CO-OP network ATM, how do I get it? Remember, you get up to five foreign ATM reimbursements per month. There are four ways to take advantage of this perk using your ATM receipts:
- Mail your ATM receipts to us: Attn: Futurity Team, 6611 Chicago Road, Warren, MI 48092.
- Call us at (586) 276-3000 and tell the Call Center Representative you would like an ATM fee reversed in your Futurity account.
- Bring your receipt to an Extra Credit Union location.
*For security purposes when emailing Extra Credit Union please DO NOT include your full account number in your email. We just need your last name and first initial and the last four digits of your account number.
I overdrafted my account, I know you forgive up to four per year, how do I get the fee reversed?
We’ll forgive you for up to four Courtesy Pay charges per year (one per semester). There are two ways to get these fees reversed on your account:
- Call (586) 276-3000. Tell the Call Center Representative you would like a Courtesy Pay fee reversed.
- Visit an Extra Credit Union branch location.
I read that Futurity gets me access to credit accounts, what are they and how do I get them?
We want to get you everything you need as a young adult. Many times, whether you are in school or starting your first job, you may need to borrow money for expenses or large purchases. As a Futurity account holder, we want you to have access to credit–but not too much (that can get you into trouble fast).
In order to receive credit accounts you must apply and qualify. Depending on your income this may require you to have a co-signer to be approved for credit.
flexLINE of Credit — This is like “extra cash” linked to your checking account. If you do not have enough to cover your expenses, you can still use your debit card or write a check and the credit union pays for it. By using this, you will now owe the credit union the money back. It is like a short-term loan. The limit on this account to start is $200.00.
MasterCard — You’ll get tons of offers for Credit Cards now that you are in college or new to the workforce. As a Futurity account holder, we recommend applying for a credit card with the credit union. We have your future in mind, so we offer you a low limit (to prevent you from getting too far into debt) and a reasonable interest rate which makes it easier to pay us back! We can offer you a credit with a limit as low as $200 so you can get familiar with using and paying down a credit card balance-without getting too far in the red!
I was enrolled in eStatements when I opened my account, how do those work again?
You will receive an email notification that you have a statement available in eBanking. After which, you must log into eBanking to retrieve it.
I want to use the mobile services on my account, how do I get to them again?
Download the Extra Credit Union App for FREE in the iTunes Store or Google Play to take care of your banking on-the-go for popular mobile devices including: iPad, iPod, iPhone and Android Phones. *Must be enrolled in eBanking.
For Text Banking go to ExtraCreditUnion.org and log in to eBanking. From there, you will be prompted to click the Services tab to enroll and set your preferences.
Have additional questions? A Extra Credit Union representative is here to help:
Call: (586) 276-3000
Visit: An Extra Credit Union branch
Click here for a Futurity FAQ handout.