Courtesy Pay

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An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdraft by offering the following:
•We have standard overdraft practices that come with your account, such as a link to your savings account, which will transfer money if it is available to cover items from your share draft (checking) account.
Starting May 2014 we do not authorize and pay overdrafts for the following types of transactions unless you have chosen to use our Courtesy Pay privileges.
•ATM/Debit transactions from your share draft (checking) account
•Checks and other transactions made using your share draft (checking) account number
•Automatic bill payments
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

Courtesy Pay FAQ        Courtesy Pay Opt-In Form 

Wiring Instructions

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To have funds wired from another financial institution to SEG Federal Credit Union you must use these exact instructions

Kansas Corporate Credit Union Routing # 301180111

Beneficiary FI: SEG Federal Credit Union Routing # 292977653

Final Credit to: Account Name at SEG FCU and your account #

ATM Locations

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We have 6 ATM machines located in the Billings/Laurel area.  There is a $1.50 ATM fee at the credit union when using these ATM fees, but you will not be charged a surcharge.

Products & Services

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At SEG Federal Credit Union our goal is to be your primary financial institution. We offer many products and services to make your life easier, without hurting your pocketbook.

We are committed to bringing you the highest quality products and services. Whether you stop in the credit union, call us on the phone, or use our web site, you will always receive friendly, superior service. You are not just a number at SEG Federal Credit Union, you are part of our Credit Union family.

icon shopping

Here is a list of products and services we offer our members:

  • Base Share Savings
  • Auxiliary Share Savings
  • Share Certificates
  • Christmas Club Account
  • Share Draft (Checking)
  • Direct Deposit
  • Wires / Transfers
  • Individual Retirement Accounts
  • Consumer Loans
  • Mortgage Loans
  • Home Equity Line of Credit
  • Courtesy Pay
  • Notary Service
  • Automatic Loan Payments
  • Visa Giftcards
  • Mobile Banking App
  • Remote Deposit
  • ACH (bill paying)
  • Payroll Deduction
  • Credit Disability Insurance
  • Credit Life Insurance
  • Buzzy Beaver Youth Club
  • Premier Checking
  • Student Checking
  • Online Check Ordering
  • U.S. Savings Bonds (redeem)
  • Internet Teller (online access to your account)
  • Mechanical Breakdown Protection
  • GAP Protection
  • Second Mortgages
  • ACH Origination
  • Prepaid Debit and Travel Cards
  • Alternate Savings

Special Clubs

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Buzzy Beaver Club

To be eligible to join the Buzzy Beaver Club you must be between the ages of 0 and 11. This is a very special club for our young savers. Once you have opened your savings account, you are a member of the Buzzy Beaver Club. By being a Buzzy Beaver member, you will receive birthday cards, newsletters, contest entries, and special drawings for prizes throughout the year. Check out our Buzzy Beaver corner where you can enjoy puzzles, activity books, and coloring books. All club members names are proudly displayed on the Buzzy Beaver bulletin board. At times we have special gifts for Buzzy Beaver members when you come into the credit union. We know how important children are, and we go the extra mile to show you. icon piggy bank

Teen Club

To be eligible for the Teen Club you must be between the ages of 12 and 19. You will receive quarterly newsletters, free checking, and your first box of checks are free. Whether you are interested in an ATM / Debit card, auto loan, or saving for a bike, whatever your needs are, SEG FCU is the place for you. For being a Teen Club member you will be eligible for drawings for cool prizes and giveaways. icon wallet

Senior Citizen Club

To be part of our Senior Citizen Club you must be at least 60 years of age. Our Senior Citizen Club offers you free checking, free checks. You will not be charged any minimum balance fees for your account, and no hidden fees. You will also earn dividends on your checking account. Plus, you will receive all of the other benefits of being a credit union member. icon checks

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