Navy CLOC checks

[EAJuggalo]

Wife did a stupid thing today and I want to see if this is going to cost us a lot of money to fix.  She needed to write a large check to her parents, she ended up writing two checks, one to her mother and one to her father.  Since she lost her checkbook at some point she grabbed what she thought was another from the safe.  Turns out she grabbed the one Navy sent us to use with our CLOC.  Any one know what's going to happen when those get cashed?  Both checks are more than our CLOC, but there is plenty of money in the account the CLOC is attached to.

Thank you.

[gingerflower]

@EAJuggalo 

In my experience being a member with Nfcu 10 yes the main thing you have Sufficient funds in your checking account even if you wrote a check more then your CLOC limit your personal checking will cover the two checks your wife wrote to her parents.  

[EAJuggalo]

The wife called Navy, they told her they would not honor the checks with the CLOC identifier on them if the check was for more than what was available in the CLOC.  They did not charge us to stop payment on those two checks and we managed to get the one check that had already been deposited back from the bank and replace it with a standard check.  Will have to wait a week to make sure everything checks out to be sure.

[Citylights18]

I had an overdraw with Coinbase go  into my NFCU CLOC. Prior to it happening I was able to move 50,000 per day from NFCU to Coinbase but afterwards they restricted that amount to 3,000. Its a pain in the next when something like this happens but it invariably does.

[gingerflower]

@EAJuggalo 

Sorry to hear the situation and hope everything works out for you and the wife.

[brk1971]

Interesting story - are all CLOC checks processed differently? How does the swift system know?

Mine have exactly the same routing / checking at the bottom, same ABA (of course), etc...  CLOC is printed on them, but I always assumed (in the post check21 world) that they were just checks on the main account. 

I know if I overdraw the main checking account it will automatically pull from the CLOC without penalty, but never realized that directly accessing the CLOC would be a function (and don't know why that would have any use for someone)...

[EAJuggalo]

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@brk1971 wrote:

Interesting story - are all CLOC checks processed differently? How does the swift system know?

Mine have exactly the same routing / checking at the bottom, same ABA (of course), etc...  CLOC is printed on them, but I always assumed (in the post check21 world) that they were just checks on the main account. 

I know if I overdraw the main checking account it will automatically pull from the CLOC without penalty, but never realized that directly accessing the CLOC would be a function (and don't know why that would have any use for someone)...

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There is a different account code on it.  I've only ever seen this on checks direct from Navy, on the standard checking account it has 001 on the bottom after the account and routing numbers,  The CLOC checks say 009