It is easy to repay
Product "Automatic overdraft"
Repayment of the credit, payment of interest and renewal of the credit limit occurs automatically with any receipt of funds on the account (wages, other payments, transfer of funds or replenishment of the account).
You can replenish the account:
In Internet-banking FUIB Online
At ATMs of FUIB with cash-in function
At the departments of FUIB
Remittance from the card to the card on the website of FUIB
ATMs of FUIB transferring from card to card
The files for downloading
An overdraft — a form of a short-term bank loan. The bank allows the client to be in «minus» and borrow money in excess of the amount that is on the card. The amount taken over the limit is the amount of overdraft.
An overdraft has no special purpose, but there is a limit which can not be spent more than that. You can use this function several times during the month. The overdraft is included as an additional service in salary debit and deposit cards. The credit limit is determined according to the amount of salary received on the card, or the amount of the deposit.
How to order
Bank FUIB offers to order an overdraft «Vilni groshi». You can connect it to a salary or a deposit card (for «Pributkoviy» and «Spokіyniy» tarrifs;).
To order the service, you can go to a bank branch. You need to bring the passport of a citizen of Ukraine and certificate of an identification number assignment.
To holders of salary cards the bank issues an overdraft in the amount of 45% of the wage, but no more than 8 thousand UAH. For clients of the bank with the «Spokiyniy» and «Pributkoviy» diposits, the amount of an overdraft is 80% of the deposit amount.
Advantages of the «Vilni groshi» service in FUIB
Overdraft is useful to those who have unforeseen expenses before the salary. If the cost of a service or product exceeds your limit on the card, use additional funds to pay for it. The loan is repaid automatically upon receipt of funds on the card. You do not pay interest to the bank — it is necessary to return only the actual amount of the overdraft.
Advantages of the «Vilni groshi» service for the salary cards:
To connect the overdraft function to the deposit card, you do not need to break the contract. The bank issues a loan in the amount of 80% of the deposit. The maximum period for which funds are issued, — 365 days. If your deposit agreement terminates earlier, then you need to repay the loan one day before that date.
An overdraft is available for every deposit you have in FUIB.
How to pay off
The loan debt automatically disappears when the money are credited on the card. You can replenish your card in the following ways: