Safe Deposit Box

Safe deposit boxes provide a safe place to store your home or office valuables and come in several 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:

Call 1(877) STANNES
Contact us to get the Overdraft Disclosure & Consent
Come into any one of our locations

WHAT TYPES OF TRANSACTIONS ARE COVERED UNDER EACH PLAN?

	
		Transactions Covered
		
				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 cards, 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!

  
    
1. Whether 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 O
verdraft Privilege limit.
2. Subject 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.
3. The 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.

  

Other Services