The year 2010 may be the year of forgiveness for State Employees' Credit Union members. The Raleigh, N.C.-based credit union has launched NSF Fee Free Days.

With the program, members can have the SECU $12 not sufficient funds fee waived on two separate days during the year. Regardless of the number of items marked as NSF on either of the two days, SECU will return the items to the payee but waive the SECU member's NSF fees.

The program is just one of several changes slated for this year, from unveiling a new controlled spending account designed to be used in conjunction with a debit card for members who would like to eliminate the possibilities of overdrafts entirely, to a program that offers 'Another Chance,' which will provide mobile alerts and an extra day for members to cover inadvertent overdrafts without fee, return or embarrassment.