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It happens to the best of us! You forget that an automatic payment is scheduled to hit your account – then boom - your balance goes below $0. Yikes.
No worries! As an added service, Nymeo members have access to DoubleCheck, which gives you control of what happens when your balance hits zero. Avoid late fees and protect your financial reputation.
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Review items that have insufficient funds, explore payment options, and make decisions on what gets paid and how it gets paid.
You will be able to review items and payment selections you made of previous purchases.
Determine how you want to pay for your transactions so your payment doesn't bounce.
In order to avoid overdraft fees, you must bring the available balance in your account to at least $0 before the DoubleCheck “Time to Act” timeframe indicated expires. If you make a deposit, the time it takes for your deposit to be reflected in your available balance and for those funds to become available to you will vary based on the deposit type and time. Depending on your deposit type or your deposit time, your deposit may not be available before your DoubleCheck “Time to Act” timeframe expires, therefore you may incur overdraft fees. When you choose to return an item that has been presented to Nymeo Federal Credit Union for payment, we will return the item to the payee’s financial institution for insufficient funds, and the payee will not receive payment from Nymeo Federal Credit Union. You may still have an obligation to pay the payee for goods, services, or other products. Nymeo Federal Credit Union is not responsible for satisfying any obligations between you and the payee or any other party with respect to an item you decide to return. Before choosing to return an item, you should consider rules the payee may have or actions the payee may take on late/returned payments. Overdrawing an account, maintaining a negative available balance for any period of time, and returning transactions as unpaid may have other consequences, including account closure or negative impacts to your ability to obtain financial services including loans, deposit accounts, and other services at Nymeo Federal Credit Union and other financial institutions. Nymeo Federal Credit Union will honor decisions to pay items at our discretion and does not guarantee that all items will be paid. Mobile Banking and DoubleCheck alerts are free to customers. However, third-party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Certain other restrictions apply.
*When using Double Check, a $20 service charge applies and an additional 2.5% credit card transaction fee if you use a credit card.
