The 7-Question Member Self-Test

1. Do you use debit cards frequently to make purchases because it’s convenient and / or you often do not have enough cash or other forms of payment with you?

2. Do you often use your debit card when you don’t have access to cash and are away from a Freedom Credit Union branch?

3. Do often run close to a zero balance in your checking account by the time you make a new deposit?

4. Are you often not quite sure of your account balance before making a purchase or cash withdrawal?

5. If you need to use your debit card for an emergency or unexpected purchase, would it be important that your transaction be approved regardless of your account balance?

6. Though you do not PLAN to take your account to a negative balance, can you think of situations where it would be worth paying a fee for the convenience of completing a transaction that did take you negative?

7. If you accidentally tried to make a purchase for more than you had left in your account, would you rather pay a fee to avoid the embarrassment of being declined?