With overdraft facility, a person is able to complete ATM and debit card transactions, even ifthe account is short on money. It prevents transactions from getting declined and provide immediate financial support. A person is saved from penalties which are imposed owing to negative balance in the account.

Overdraft Protection gives coverage and financial support during emergencies or temporary economic distress. Overdraft protection allows an access to funds which can be used during sudden monetary exigency. 

Overdraft facility prevents your checks from getting bounced. It saves a person from paying bounced check fees and helps to maintain good credit report.

Greater Central Texas Federal Credit Union offers Overdraft Protection in two different ways; standard overdraft practices that come with your account and Overdraft Protection through a link to your savings account. The standard overdraft practices that come with your account: checks and other transactions made using checking account number and automatic bill payments. Under standard overdraft practices Greater Central Texas Federal Credit Union will charge a fee of up to $30 each time the credit union pays on your behalf. 

Greater Central Texas Federal Credit Union is a member-owned cooperative which has been helping people with their financial needs since 1957. Our member services include Direct deposit, Payroll deduction, Notary Service, MasterCard Cash Advance, On-line access, MasterCard Gift Cards, Wire Transfer, ACH Origination, Club Accounts, Credit Card, Bill Pay, ATM and automatic transfer services, etc. Our lending services include New and Pre-Owned Vehicle Loans, Pre-Approval on vehicle loans, Secured & Unsecured loans.  Greater Central Texas Federal Credit Union works within the area of Bell County, Texas, west of Interstate 35.

For further details, visit Greater Central Texas Federal Credit Union at 3305 E Elms Rd, Killeen, TX - 76542. You can also contact us by filling up the contact form available at our website. Call us: (254) 690 - 2274

Credit Unions are nonprofit financial co-operatives providing a comprehensive range of savings, lending & investment options. Owned and operated by the members, credit unions strive to offer higher interest on savings, lower loan rates, and various financial products & services to boost the community's economic well-being.

As a nonprofit & member-centric financial institution, the capital in the credit union is controlled & contributed by the member owners. Therefore, a credit union's earnings are shared among the members in the form of higher savings rates, low-cost loans, reduced fees, and more. Members' economic participation helps form a mechanism that facilitates the community's economic growth.

Credit unions provide various lending options at lower rates. Financial services like loans & credit limits assist members in fulfilling their respective financial obligations & needs like capital requirements, asset purchasing, home building, education, etc. The credit union helps to elevate the economic status of a family/individual by providing easy-to-access lending services, flexible terms and conditions, and a wide range of financial programs.

A savings account is a basic account type that allows a person to deposit funds with safety assurance. It is considered to be an essential part of financial management as it allows to save money without locking it away for longer period of time. Depositing money on a regular basis enables your money to grow over time keeping you prepared for recurring as well as sudden expenses. Credit unions offer higher interest rates on savings to help members achieve personal financial goals. 

Credit unions provide financial counseling led by local experts, allowing to make well informed decisions. They help to optimize member's income by educating members on financial skills including investing, borrowing, budgeting, personal finance, retirement planning, etc. Financial literacy allows individuals to utilize financial resources effectively, which eventually aids economic growth.

Credit union mainly focuses on developing policies and services that can stimulate financial sustainability. The credit union's foremost concern is to promote its member's economic growth by offering democratic control, community support, voluntary membership, and various other means.

Insured by the National Credit Union Share Insurance Fund (NCUSIF), Greater Central Texas Federal Credit Union, Killeen offers multifarious savings, investment & lending options. Visit Greater Central Texas Federal Credit Union (GCTFCU) at 3305 E Elms Rd, Killeen, TX 76542, United States. You can also contact GCTFCU by filling up the contact form available at www.gctfcu.net .