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Overdraft Protection- Privilege Pay

The Overdraft Privileged Pay Program is now available to our members! Members who qualify must opt-in for this service. This service would protect members from having checks, ACH and ATM/Debit card* transactions returned. Our current NSF fee is $25 and may be found on our current rate and fee schedule**. This service option would avoid the humiliating experience of having a check returned or a debit card purchase being declined as well as the fees the merchant charges for returned items. Our current NSF fee of $25 , as well as the amount of the overdraft item would be deducted from your Overdraft Privilege limit of no more than $500.00***. The overdrawn amount must be paid back as soon as possible and no later than 30 days.

Items are cleared through your account in the order they are received. Any authorizations or returns will be made by using your accounts available balance. The available balance includes any outstanding debits, ACH items, check holds or any other obligations against the money in your account.

Please be aware that this service would not establish an obligation for the Iron Mountain Kingsford Community Federal Credit Union to pay all overdrafts on your checking account. Payments of overdrafts would continue to be at the discretion of the credit union.

Want more information on Privilege Pay? Please stop in or call your credit union today!

**Rate and Fee Schedule
*If you choose to have your ATM/Debit card transaction(s) covered by this program, a separate opt-in form must be signed. ***Limit $300-$500 is based on eligibility


  • Mar 9, 2020, 11:38 AM
    Thank you to Angela Adam at the IMKCFCU for her efficient, awesome service!  In the last two days, we bought a truck and sold our car and the total time it took us at the credit union for both transactions was about 15 minutes.  She goes above and beyond her duties and is so great at what she does.  Thank you, Angela and IMKCFCU, for making banking easy and convenient!  -Tara Povich
    Tara Povich
  • Mar 12, 2019, 09:36 AM

    I have been doing business with the IMKCFCU my entire life and Jessica has had an account for around 20 years. We have always received excellent service whether it be for a loan, a money transfer, or just cashing a paycheck. The entire staff is great! Last year, we started a nonprofit youth mentoring program called HardCore Scripture Outdoors. We teach kids how to hunt, fish, and trap.  We also teach them about conservation and help them become productive members of society.  We had lots of questions about setting up a nonprofit account, so we set up a meeting with Robin Strauss and she was incredible. She walked us through the process start to finish, answered all of our questions, and gave us the information we needed to get started.  We know with sponsorships and donations for the community, the children we serve will be better for our efforts.  Thank you, IMKCFCU!  Keep up the good work!

    Joseph and Jessica Bottesi
  • Jun 18, 2018, 10:38 AM
    "Vehicles today are very expensive, whether new or used. Used vehicles seem to really be holding their values. As such, we needed to finance a 2008 truck.
    After calling around to other financial institutions, no one would extend a loan to us based solely on the age of the vehicle. We wanted you to know what an important role you play in the lives of IMKCFCU members. Not only do you offer wonderful interest rates, but you are filling a gap that others don't offer. 
    Thank you for providing such wonderful services to its members."
    Christopher & Amy Lewis
  • May 9, 2017, 11:30 AM
    I love my CU…we’ve both been members forever. I have been my whole life. I always feel at home when I come in and everyone is so very helpful to me all the time.
    Sally Maloney and Allison Maloney