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Help and Support

Explore the answers to a few of the most frequently asked questions. If the answer to your question isn’t here, contact us—we’ll get your question answered so you can get back to what’s important.
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Most Frequently Asked Questions

They say there’s no such thing as an original problem—which means there’s probably an answer waiting for you.


All Posts > Checking

Checking
Courtesy Pay and Overdraft Protection are different layers of security to protect you from the merchant fees associated with returned checks.

When a check clears from your account without the funds to cover the entirety of the check, Overdraft Protection will cover you if certain criteria are met. You must have a secondary account (such as a savings account) with funds available for transfer. Kirtland FCU will automatically transfer the needed funds to cover the check, avoiding both merchant fees and Kirtland FCU’s NSF fees.

If you do not have a secondary account with funds available, you may still be covered by Courtesy Pay. Kirtland FCU will clear the check to the merchant, creating a negative balance in your account but avoiding merchant fees for a returned check. The charge for Courtesy Pay is a NSF fee of $30 per transaction. We will pay checks that are negative up to $500, including the assessed NSF fee. You then have 30 days to bring your account current.

Checking Mobile Banking Mobile Deposit
We review ALL deposited checks. If your check is rejected, review the check for the following:
  •    The payee isn't on the account you’re depositing to
  •     A missing or irregular payer signature
  •     Numeric and written amount variance
  •     A missing or irregular endorsement (must have “Mobile Deposit Only” written in the endorsement area), signature, or account number
  •     A stale date or missing date
  •     An illegible amount
If you discover any of these items, the check will need to be re-issued to you prior to deposit.

Checking Mobile Banking Mobile Deposit
Normal hold procedures apply to all checks submitted via Mobile Check Deposit; funds are not immediately available. Funds will become available according to the following schedule:
  • Weekdays: The cutoff for same-day availability is 3:00 p.m. MT and processing will begin at 3:30 p.m. MT. Funds are generally available after 4:30 p.m. MT.
  • Nights/Weekends: Deposits made after 3:00 p.m. MT, or on a weekend or holiday, will process the next business day. Funds will be available after 4:30 p.m. MT next business day after the deposit is made.
Large Checks: If your check is greater than $200, the first $200 will be processed normally (weekday/weekend processing schedules apply). The remaining amount will be processed two business days later, in accordance with the Federal Reserve Board Regulation CC.

Checking Mobile Banking Mobile Deposit
You can deposit the following endorsed checks from U.S. financial institutions:
  • Personal checks
  • Cashier/official checks
  • Teller checks
  • U.S. Treasury checks
The following check types cannot be deposited:
  • Foreign checks
  • Savings bonds
  • Checks made payable to a business
  • Third-party checks

Checking Mobile Banking Mobile Deposit
$5,000 per day and $10,000 per month (calculated on a rolling 30-day period).

These limits are cumulative, not transactional—making a single $5,000 deposit or 20 $250 deposits will result in the same amount applied toward your daily and monthly limit.

Stop Payment Checking
To stop an ACH payment, contact the debiting institution to request they stop it on their end. Kirtland FCU can also process stop payments on ACH—call us or come in to any  branch location to initiate this action.

1-800-880-5328  FIND A BRANCH
 

Stop Payment Checking
Log in to Online Banking, select the tab Additional Services, and then click Stop Payment. You may stop multiple checks in one transaction—just enter the check numbers and amounts.

1-800-880-5328  FIND A BRANCH
 

Checking
To reorder checks, log in to Online Banking, select the tab Additional Services  and then click Reorder Checks. Or give our member service representatives a call or come into any one of our four convenient Albuquerque locations. Note: If this is your first time ordering checks for a particular account, you’ll need to stop by a branch to place an order.

1-800-880-5328  FIND A BRANCH
 

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