Checking Accounts that Work for You Every Day
Debit Cards
Use Natco’s VISA debit card to conveniently pay bills, make purchases anyplace that displays the VISA logo, and withdraw cash from affiliate ATMs, 24 hours a day. You also can keep track of your balance and transactions with automated debit card alerts.
Natco Card Manager App
You can use our Natco Card Manager app to set up personalized debit alerts for activity in your account and to notify us of planned travel so we can protect your card while you're away. Search for Natco Card Manager in the App Store or Google Play!
Fraud Protection
If you suspect fraud on your debit card, call (888) 918-7313. As a precaution, when suspicious activity is detected on your debit card, we may place a temporary hold on your card to prevent fraud. If your card becomes inactive, call (888) 918-7313 to verify the transactions and have your card reactivated. If your card is lost or stolen, please call (866) 639-9638. Watch this short video to learn how we help protect you by sending fraud alerts on suspicious transactions on your Natco debit and credit card transactions.
All Natco Checking Accounts Include...
- No monthly service fees
- No minimum balance requirements
- No charge for checks that clear
- Unlimited check writing
- No charge for deposits
- Free online banking with bill pay
- Free money orders
- Overdraft courtesy, protection and privilege available
- Optional identity theft protection
- NCUA insured
- Same-Day ACH Debits
Direct Deposit & Payroll Deduction
Sign up for direct deposit through your employer and have your paycheck sent to us automatically and deposited into your account! You can even split your deposit into your different accounts with us, including your loans. Direct deposit is free, secure, and convenient. You have assurance that your hard earned paycheck is in your account automatically!
Many of our Select Employee Groups (SEGs) offer payroll deduction when they don’t offer direct deposit. In this case, they send us a portion of your check each pay period. We can split that amount between your different accounts and loans with us. Check with your employer’s Human Resources Department to discuss what options are available to you either through direct deposit or payroll deduction.
- Avoid trips to the branch
- Quicker than hard copy checks
- Environmentally friendly
- Extremely convenient
- Easy to track
Overdraft Courtesy Pay, Protection & Privilege
There are times that something unexpected comes up. You may need extra money for unforeseen events such as sudden medical expenses or auto repairs. In situations like these, even if funds are not available in your checking account, the credit union may still authorize your transactions.
Overdraft Protection
We will first look to balances in your savings account and then any other sub account under your member number that you have requested. If funds can be transferred to fully cover the transaction, we will do so without a fee!
Overdraft Courtesy Pay
We realize there might also be times when the unexpected can cause you to temporarily overdraw your account. This is when overdraft courtesy pay can help. Checks and electronic payments may be covered and paid from your checking account by accessing funds through overdraft courtesy pay, up to an overdraft balance of $775.
There is a $25 fee incurred each time a transaction is covered by overdraft courtesy pay. We will always first look to see if items can be paid utilizing overdraft protection.
Overdraft Privilege
An overdraft can also occur when you use your debit card. With overdraft privilege, we may allow debit card authorizations to be approved even if there isn’t enough money in your account at the time of the purchase.
Members must opt-in to overdraft privilege to have everyday debit card transactions be covered by the overdraft options listed above.