We prefer any address changes for your membership to be on a post office change of address form. However, we will accept this information by regular mail, by fax, or deposit in
our night drop box. But it must be signed and dated.
Since Change is Eternal
Please keep us current with the best way to contact you at short notice. The pace of our environment and the changes in technology continue to increase our need to contact you about concerns we might have about your accounts.
Long term members – Again, don’t forget to review the accuracy of the beneficiaries on your membership and on any IRA accounts you may have with us.
Overdraft Transfer Protection is a service that adds a layer of protection to your personal account. Overdrafts will automatically be covered by funds available in associated accounts, as allowed by Regulation D. We can automatically transfer funds from your primary savings account cover insufficient fund checks, ATM withdrawals, electronic funds transfers, debit card transactions or other payment/withdrawal requests for you. This service does have a fee (see Fee Schedule).
When an overdraft occurs and the number of transfers as allowed by Regulation D has been exceeded, a hold will be placed on the compensating amount and the overdraft may be paid.
Courtesy Pay is a discretionary overdraft service from WCFCU.
No one is perfect, especially when it comes to your finances. A simple mistake in your checkbook can make all the difference in whether or not your checks clear from your account. West Coast Federal Credit Union understands this and wants to help.
Courtesy Pay is a service that adds a layer of protection to your personal account. We may cover insufficient fund checks, ATM withdrawals, electronic funds transfers, debit card transactions or other payment/withdrawal requests for you. Several factors can influence how far your account is to be overdrawn and fees will apply (see Fee Schedule).Using your debit card to pay for purchases will place a hold in your checking account for the amount authorized for purchases. This hold normally remains in effect until the merchant processes the transaction.
If you have $100 in your checking account and make a purchase with your debit card for $50 a hold will be placed on $50 of the funds in your account. If you then, try to make an ATM withdrawal or a purchase for $60 the transaction will be denied. To avoid your transactions being decline you can OPT-IN to West Coast FCU’s Courtesy Pay Program and your debit card and ATM transactions that exceed your available balance may continue to be approved up to $500 ($100 on new accounts).
With Courtesy Pay you have up to 30 days to bring your account to a positive balance. If you still have a negative balance at that time, our Courtesy Pay will be suspended until the account is returned to good standing, regardless if you have reached the $500.00 limit or not. If your account balance is negative for 30 days, you could lose checking privileges.
Please, always manage your finances responsibly, and know that if you need it, your credit union is there and Courtesy Pay may help. If you have further questions, please visit our office or call us at 727-462-7046.
West Coast Federal Credit Union offers more ways to manage your money and that includes wire transfers. You can send money to, or receive money from, anywhere in the world.
RECEIVING a wire transfer
WCFCU Members can receive wire transfers to their own account for $10.00 per wire transfer. The following information must be provided:
Corporate One Federal Credit Union
Routing # 263189069
With Further Credit to:
West Coast Federal Credit Union, 300 Jeffords Street, Clearwater, Florida 33756
Routing # 263177783
With Final Credit to:
WCFCU Member’s name and account number
SENDING a wire transfer
WCFCU Members can send wire transfers anywhere in the world for:
See Fee Schedule
To send a wire transfer, provide WCFCU with the following information:
The full name and account number of the beneficiary
The required bank information of the beneficiary
A U.S. correspondent bank name, address and routing number for all international wires
If you have any other questions about sending or receiving a wire transfer through WCFCU, please call 727-462-7046.
- Audio System
- Debit Cards
- Cashiers Checks
- Money Orders
- Travelers Checks
- Gift Checks/Gift Cards
- U.S. Savings Bonds
- Credit Life Insurance
- Credit Disability Insurance
- GAP Insurance
- Payroll Deduction
- Net Pay Deposit
- Free Notary Service
- Savings Accounts
- Free Checking Accounts
- Holiday Club Accounts
- Vacation Club Accounts
- Share Certificates
- Individual Retirement Accounts (IRAs)
- Savings and CD Secured Loans
- Unsecured Loans
- New and Used Auto Loans
- Classic/Luxury Vehicle Loans
- New & Used Motorcycle Loans
- Boat Loans
- Home Equity Loans
- Savings and CD Secured VISA Credit Cards
- VISA Credit Cards