* Balance transfer amounts are limited to the available funds of your approved credit limit amount. Transfers are considered cash advances, therefore, finance charges will begin to accrue immediately on the transaction date. Transferred amounts cannot be from another USEFCU Visa credit card or loan account. Please continue making payments on your other credit card account(s) until the balance transfer is confirmed on your other institution's account statement. Your authorized signature confirms your acknowledgment of the balance transfer fee of 3% that will be assessed to your account on balance transfers completed March 1, 2023 - December 29, 2023.