RALEIGH, N.C.-Giving back to members by helping them avoid NSF fees, State Employees' Credit Union instituted four new programs that have saved members more than $4.5 million.

The savings are through the first three quarters of 2010, and go hand-in-hand with SECU's no-cost Overdraft Protection Program, which is used by more than 80% of its 800,000-plus checking account holders.

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