Other services

Safe Deposit Box

Safe deposit boxes provide a safe place to store your home or office valuables and come in a number of sizes to meet your requirements, available for rent in most of our branches.

Wire Services

Use our wire transfer service for your incoming and outgoing transfer of funds. If you are planning to make a major purchase with wired funds from your St. Anne’s Credit Union account, please speak to a representative. All transfers in excess of $10,000 must be set up in person, in advance.

OVERDRAFT PROTECTION¹

To help you manage your account balances and avoid account overages, you can link accounts so funds are transferred automatically. Speak with a representative to find the solution that’s right for you.

SWEEPS²

This service links your checking account to your statement savings account to automatically “sweep” or transfer money from your savings to cover transactions presented for payment against your checking account that would otherwise have resulted in an overdrawn balance.

OVERDRAFT LINE OF CREDIT

This loan automatically advances money up to your available credit line, working seamlessly with your current St. Anne’s checking account.

OVERDRAFT PRIVILEGE³

Experience automatic convenience and peace of mind—because Overdraft Privilege automatically protects your eligible checking account products accessed by paper check or electronic means (such as bill pay). Overdraft Privilege covers check or ACH transactions that otherwise would be returned for insufficient or unavailable funds – and also saves you the inconvenience of any bounced checks and fees charged by merchants for checks returned to them. The best part is – you don’t even need to sign up, it’s available already to all members on all eligible account types!

OVERDRAFT PRIVILEGE PLUS²

Overdraft Privilege Plus offers all of the same benefits of our standard Overdraft Privilege program – PLUS coverage of ATM transactions and one-time debit card transactions from your checking account. You must opt-in for Overdraft Privilege Plus.

If you would like St. Anne’s to have the discretion to authorize and pay your Debit and ATM purchases, you can:

WHAT TYPES OF TRANSACTIONS ARE COVERED UNDER EACH PLAN?

Item	Overdraft Privilege (Standard)	Overdraft Privilege Plus
Checks	Yes	Yes
ACH – Automatic Debits	Yes	Yes
Recurring Debit Card Transactions	Yes	Yes
Online Bill Pay Items	Yes	Yes
Teller Line/Drive-up	Yes	Yes
Online, Mobile & Telephone Transfers	No	No
ATM Withdrawals	No	Yes
Debit Card Transactions	No	Yes

WHAT YOU NEED TO KNOW ABOUT OVERDRAFT PROTECTION PLANS:

Should you overdraw your account, apply money back to your account as soon as possible. Remember to apply enough money back into your account to cover the overdraft and any fees.
Even if you have one of these plans, there is no guarantee that St. Anne’s will cover your checks, ATM withdrawals, debit card, and other electronic transactions that overdraw your account.
This service is not available to all account types – please speak with a St. Anne’s representative about the choices and services that are right for you!

¹Whether or not your overdraft(s) will be paid is discretionary, and we reserve the right not to pay your overdraft(s) if your account does not meet the Credit Union’s criteria for the service as outlined in St. Anne’s Truth in Savings Disclosure. When the Credit Union pays an overdraft, you agree to bring the account to a positive balance within 35 days. Accounts with a sustained negative balance may be subject to closure and reported to consumer reporting agencies. Fees apply; see current St. Anne’s Fee Schedule. Fees charged for covering an overdraft, as well as the amount of the overdraft item(s) will be subtracted from your available Overdraft Privilege limit.
²Subject to eligibility requirements. Fees may apply. To opt-out call 1-877-STANNES or visit any one of our branches. Keep in mind when you opt-out your insufficient funds items will be returned to the payee and/or declined at the point of purchase unless you have Overdraft Privilege and Overdraft Privilege Plus available to cover the item(s). You will be charged the standard fee for all returned items. Although standard Overdraft Privilege is automatic once you meet the criteria stated in St. Anne’s Truth In Savings Disclosure, you must opt-in to Overdraft Privilege Plus. See St. Anne’s representative in branch for Truth in Savings Disclosure.
³The Overdraft Privilege program does not cover overdrafts caused by ATM and debit card transactions. Available to members who meet the criteria stated in St. Anne’s Credit Union’s Truth In Savings Disclosure. See St. Anne’s Credit Union representative in branch for Truth in Savings Disclosure.