u/devus69

Just an FYI - NFCU reports your balance information and all ACH activity to Early Warning daily. They maintain a file on you with very detailed data. I happened to request mine out of curiosity and was stunned at the amount of information they had. My file was in excess of 40 pages and it appears they began reporting ~2021.

As a further aside, I was an active user of OOPS many years ago and every time I used OOPS, NFCU was reporting it as an overdraft activity. Just a heads up for those not aware.