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Avoid Fees

Avoid Overdraft Fees

  • Immediately subtract any cash withdraws, checks, debit card or other electronic deduction from your balance.
  • Set up automatic overdraft protection from another of your deposit accounts.
  • Regularly balance your checking account.
  • Use Online banking & Mobile Banking, balance alerts, and Telephone Banking to monitor your account activity.
  • Remember, holds placed by merchants may exceed the debit card purchase amount until processed
  • Build an emergency fund.

Avoid ATM Surcharge Fees

  • Use your CrossRoads Credit Union Debit Card at any CrossRoads Credit Union ATM or at surcharge-free Alliance One ATMs nationwide.
  • Consider requesting cash back when you make a debit card purchase to avoid both the surcharge and $1 CrossRoads activity fee when using an ATM when you travel. However, some merchants might charge a fee for receiving cash back.

Avoid Late Fees

  • Make loan payments through direct deposit payroll allocation or automatic transfer, or use our portal pay online when paying with an account from another financial institution.
  • Use CrossRoads online banking & Mobile Banking to transfer payments at any time.
  • Make payments in person by the due date. If you are having difficulties, contact your loan officer immediately.
  • If you mail in your payment, allow ample time for payments to reach us.

Avoid Bad Address, Dormant and Inactive Account Fees

  • To avoid a monthly bad address fee, keep your address updated with CrossRoads Credit Union. Make sure to keep your phone number current as well.
  • If the Primary Account owner is 18 or older, the account is subject to a monthly Dormant Account Fee when the account remains inactive for 12 months or more. To avoid this fee, simply use your account and make deposits or withdrawals.
  • To avoid a monthly inactive bill pay fee, simply use your bill pay account to pay a bill every month to maintain an active account.