i know PedFed for a while. so applied for a regular saving account with PenFed. no fees during the membership application . got approval email in 24 hours. registered online account. the account has $0 of current balance. $-5.0 of available balance.
Questions: do i need to use this saving account for a few transactions before i apply for their auto loan a few months later? can i leave this account empty till when i am about to buy a car? thanks.