Account Forms - Clark County Credit Union, Las Vegas, NV

Account Forms

 
ATM and Debit Withdrawal Limitations
  1. No more than five hundred dollars ($500.00) cash may be withdrawn from accepting ATM machines each day. We reserve the right to change this amount whenever we deem it appropriate or necessary. You may contact us to request an increase to this limit up to $1,000.00. Amounts that may be withdrawn at ATMs may vary from machine to machine.
  2. You may purchase up to twenty five hundred dollars ($2,500.00) of goods or services each day at point of sale merchants or terminals to be deducted from your checking account. Transactions are limited to twenty (20) per day, regardless of whether you have reached the $2,500.00 limit. Amount and transaction counts reset at 8:00 a.m. each day.
  3. If we allow you to use your account for more than your current checking account balance, you still agree to pay the full amount you owe us.
  4. When you have authorized a transaction for a purchase from a participating merchant and VISA has accepted it, an account hold in the amount of the transaction(s) will reduce your account limit eligibility until the transaction(s) clear your account.
  5. Please refer to Regulation D for further information.
eStatements - Enrollment Instructions

eStatements Offer Many Benefits!

When you enroll to get your statement electronically each month:

  • Faster delivery - eStatements are available to view online 3-4 days before mailed statements arrive (usually the first business day of the month).
  • More secure - No worries about theft of your information from the mailbox.
  • Access past statements anytime - Statements are archived so you can easily view and print past statements anytime with no fee. View statements as far back as 1997!
  • Saves paper and money - Less paper means fewer trees needed, and fewer expenses for your cooperative financial institution.

Plus, you can view your statement two different ways:

Dynamic: Easy on-screen view with links to cleared check images. Plus, you can print the detail for a single suffix under your account without printing the whole statement.

PDF: Typical printed statement view that allows you to print your statement anytime. Plus, you can save it directly to your computer for access without logging in to Home Banking.

How to Enroll for Free eStatements

  1. eStatements for new users are currently not available while our system is being upgraded.

NOTE to current users: If our monthly email to your email address on file is returned to us, we are required to return your account to paper statements. Please make sure to add estatement@ccculv.com to your safe senders list.

Re-Order Checks

Share Savings Transfer Limits - Federal Regulation D

 Effective October 1, 2009

Regulation D is a federal regulation that places certain limits on the number of transfers or withdrawals members can make from their savings accounts. It affects all Savings and More Money accounts. Regulation D allows for up to six (6) withdrawals, overdraft protection transfers, electronic funds transfers/automatic withdrawals (EFT/ACH), debit card transactions, home banking, telephone or facsimile transfers per month.

An unlimited number of withdrawals or transfers are permitted when:

  • Made in person at the credit union
  • Made by a mailed letter request
  • Made using an ATM
  • Made by the member to pay a loan the member has with the credit union
  • Made from a CCCU checking account

Please note: Federal Reserve Regulation D is a directive of the government, not of Clark County Credit Union.

Which transactions count towards the limit?

Type of TransactionDoes it count towards limit of 6? 

Overdraft transfer from Savings to cover Checking transaction (i.e. checks or debit card transactions) 

Yes - Limit 6 

Outgoing wire transfer requests not made in person

Yes - Limit 6

Electronic or paperless debits/withdrawals from savings from a third party
 (i.e. credit card, utilities, gym membership, etc.)

Yes - Limit 6

Transfer from Savings to Checking via Online Banking or CUE Phone 

Yes - Limit 6

Transfers from Savings to Checking with Phone Representative 

Yes - Limit 6

Transfer of funds with a teller at a branch 

No

Transfer of funds from Savings to make a loan payment 

No

ATM withdrawal or transfer 

No

 

Direct deposits into Savings Accounts 

No - Deposits or transfers to your savings account are unlimited.

 

Frequently Asked Questions

What if my account has reached its Regulation D limit?

Additional withdrawals or transfers can be made in person, by mail, or at an ATM and not impact your Regulation D limit. However, transaction requests that count towards the Regulation D limit that occur after the limit is reached, will not be allowed, may be returned as unpaid, and will incur an Excessive Transaction Fee.

If an account used for Overdraft Protection has reached its Regulation D limit, will overdraft requests be honored?

If the account used for overdrafts is a Savings or More Money account, the request will not be honored. In that case, the item will be returned as non-paid and an Excessive Transaction Fee will be incurred for each overdraft request.

If the account used for overdrafts is an Overdraft Line of Credit or Visa card, Regulation D does not apply and your overdraft requests will be honored. If you do not have an Overdraft Line of Credit or CCCU Visa card, contact us at (702) 228-2228, Option 3 to apply.

Why did I receive an Excessive Transaction Fee? I wrote the check last month.

Regulation D limitations do not refer to the date a check was written; limits are based on the date the check clears your account. If you wrote a check on April 30 but it clears May 3, it counts as a May transaction - not April.

If I have authorized a merchant to automatically withdraw payments from my Savings Account, do these count against my monthly limit?

Yes. These payments (also known as ACH or EFT transactions) are subject to Regulation D limitations. Any withdrawals attempted beyond your monthly limit will not be honored and you will incur an Excessive Transaction Fee for each attempt. To avoid this situation, consider contacting the merchant to have the automatic payment made from your checking account.

Tips to avoid Regulation D Limits:

  • Set up your pre-authorized payments or automatic withdrawals to be taken out of your checking account, which is not subject to Regulation D.
  • Set up your overdraft protection to access an Overdraft Line of Credit or CCCU Visa card instead of your Savings account.
  • Limit transfers from your savings by making planned transfers in larger amounts instead of several small transfers.
  • Use an ATM to transfer funds within your account.
  • Use CU@Home or CUE Phone to monitor your accounts frequently to plan your transfers and control the movement of your money.

Regulation D, also known as the Reserve Requirements of Depository Institutions, is a federal regulation that limits automated withdrawals from non-transactional accounts. It ensures that financial institutions maintain adequate reserves for the funds on deposit. For more information about this and other regulations, please visit the Federal Reserve web site.

For questions not addressed here regarding how your CCCU account is impacted by Regulation D, please contact us at (702) 228-2228, option 6.

Services and Fees 

Wiring Funds: Outgoing & Incoming

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