Official NFCU CLI Guide

[Anonymous]

Yea they actually denied the charge I had my rent set up to get taken out of the savings account. I have had my other bank plenty of times take a ACH like my water bill or electric bill out of a savings account and NF denied it and I occurred an NSF fee of 50.00 from my apartment building. I spoke to two service reps and one supervisor that said they won't compensate the fee because it was a fee given by the apartment complex not them but technically they caused it because they denied the ACH even though the money was there. I was thinking about sending a certified letter to corporate. Do you guys think it is worth it? I was so mad because NF has been good to me but that I couldn't believe they did cause I have never heard of a bank denying a ACH from your savings account.

[Anonymous]

read the account disclosures maybe. that's tell you. also, it's at the banks discretion to EVER allow funds to come out via ACH, wire or debit transaction.

[Anonymous]

We looked over the the terms and disclosures and it didn't say anything about not being able to do and ACH via savings. But lesson learned

[ciacbw]

Look up Regulation D it will shed light on this subject for you. I don't want too make you sleep with all of the details. I used to do compliance for my branch. You cannot do ach with your savings.

Fyi Reg E deals with debit/credit cards etc.

[Anonymous]

i put the wrong one ha. fat finger or forgetfulness. whichever idk ha

[Anonymous]

but i did ACH with mine... i had amex automatically deduct their payment out of it at the beginning.

[Anonymous]

Maybe it is only certain banks because I also have a Ally Savings account and I have done ACH with that as well

[ciacbw]

Maybe a money market? I dunno kind of weird. Hate those regs!! They were my nemesis.

[cem13]

I checked for my AR today and it is showing.  So I hit the luv button on my 2nd card and instant CLI $5k to $22K.  I asked for $25K and they instant countered at $22K.  My 1st card is also at $22K.

[gurusexy]

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@cem13 wrote:

I checked for my AR today and it is showing.  So I hit the luv button on my 2nd card and instant CLI $5k to $22K.  I asked for $25K and they instant countered at $22K.  My 1st card is also at $22K.

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Its about to POP OFF!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Woohooooooooooooooooooooo!!!

I am already at 24K on my one NFCU card. if I have the AR, should I ask for more or apply for new card>?????????????????????????????? Decisions, decisions, decisions....

Update: Just checked my equifax and I had AR on June 30th...