Checking
Account FAQS

Primary and joint Power Protected Checking accountholder(s) can simply log in to online banking and select the benefits in the benefits box in the upper right corner.

On the mobile app, click on Checking Benefits from the menu icon to access your benefits.

If you don’t have an online banking account, go to ssfcu.org/login or download the Security Service mobile banking app in the App Store or Google Play store, and follow the steps to enroll.

No, members with multiple Power Protected Checking accounts only pay one monthly fee of $9.

Yes. Deposit accounts at Security Service are insured by the NCUA up to $250,000 per person and per ownership category.

No action is required to receive Member Overdraft Privilege; however, if you do not want Member Overdraft Privilege coverage, call the Member Contact Center at 1-800-527-7328 or visit a nearby branch to remove it from your account.

For consumer accounts, federal regulation requires that we obtain your prior authorization (‘opt-in’) for overdraft coverage of ATM and one-time/everyday debit card transactions. Your authorization for this coverage may be obtained at account opening, by contacting our automated overdraft line at 1-888-617-7328 or updating your coverage in online banking.

To change the overdraft coverage on ATM and one-time/everyday debit card transactions, you can contact our automated overdraft line at 1-888-617-7328 or follow the directions below:

• Log in to Security Service online banking
• Click on Accounts in the main menu, then select Overdraft Coverage, and click Overdraft Transaction Coverage.
• Click Edit on the appropriate account
• Make your selections and click Save

Note: Opting out of ATM and one-time/everyday debit card coverage will not prevent checks, ACH, or recurring debit card transactions from making the account negative when they exceed Available Balance. To opt out of all overdraft coverage, please contact the Member Contact Center at 1-800-527-7328 or visit your local branch.

Click here or more information about our Overdraft and Non-Sufficient Fund program.

Click here to view our Overdraft and Non-Sufficient Fund program disclosure.

No, overdraft coverage cannot be split. Overdraft coverage applies to the account, not to individual cards.

Click here or more information about our Overdraft and Non-Sufficient Fund program.

Click here to view our Overdraft and Non-Sufficient Fund program disclosure.

Our Power Checking account does not have a monthly fee if you select eStatements. Unlike our Power Protected Checking account, Power Checking does not earn interest.

If you are ordering checks for the first time, please call 1-800-229-0158 for assistance.

You can order checks online, by calling, or by logging in to your Harland Clark account.

You'll need the Security Service routing number (314088637) and your account number (located at the bottom of your check).

Online

1. Log in to Security Service online banking
2. Click on Support in the main menu
3. Click on Account Inquiries
4. Select Re-Order Checks
5. Select the account and click the Submit button
6. Make sure you have selected the correct account and click Continue to confirm
7. Follow the instructions to complete the process

Call

1. Call our Automated CallPlus at 1-800-527-7328

Harland Clarke

1. Log in to your Harland Clarke personal or business account

Note: The cost will vary depending on account type, quantity selected, and style of checks ordered. Your account will be debited the cost of your checks once the order has been placed.

You can sign up for eStatements online.

1. Log in to Security Service online banking
2. Click Accounts on the main menu, then select Statements on the left menu, and click Statement Preferences.
3. Update your email address, if necessary.
4. Select eStatements, agree to the Terms and Conditions, and click Save.

Yes. You can view images of checks for up to 60 days after they clear. To view checks:

1. Log in to Security Service online banking
2. Click on Accounts in the main menu
3. Select your checking account to view your transaction history
4. Click on the check number to view, print, or save an image

When an account is inactive for 12 months, the account is assessed a monthly $10 inactivity fee.

Accounts are considered inactive if there have been no monetary transactions initiated by the member for 12 consecutive months and the account balance is below $50.00.

Real-time Card Alerts are notifications to alert you of transactions as soon as they occur. You can receive email or push notifications when your card is used online, in-store, by telephone, at an ATM, or internationally.

To enroll in real-time card alerts:

• Log in to Security Service online banking or the Security Service mobile banking app.
• Select Accounts, Alerts, then choose your Debit or Credit Card.
• Use the form to select your alerts and click Save.

Overdraft (OD) fee is assessed when Security Service pays the item or transaction when your Available Balance is not sufficient to cover the transaction. A Non-Sufficient Fund (NSF) fee is assessed if Security Service returns the item or transaction.

Click here or more information about our Overdraft and Non-Sufficient Fund program.

Click here to view our Overdraft and Non-Sufficient Fund program disclosure.