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An overdraft occurs when you don't have enough money in your checking account to cover a transaction. If you write a check, use your debit card or send a bill payment that would cause your account to go negative, the transaction may be declined (due to Non-Sufficient Funds) or you may overdraw your account into a negative balance.
To avoid this, we offer two overdraft protection options to cover you.
Overdraft Privilege is a discretionary service offered to members in good standing, which honors checking overdrafts up to $1,000*. Should you inadvertently overdraw your account, we have the discretion to cover your overdraft**. This could save you the embarrassment and inconvenience of a returned item, as well as the fees charged to you by merchants for the returned items. Overdraft Privilege applies to transactions by check, withdrawal at a teller window, ACH withdrawal or one-time debit card transactions (if you opt-in).
Please keep in mind, Overdraft Privilege is a courtesy, not a right. The Credit Union is not obligated to pay any item that would cause an account to overdraft.
To request more information, fill out the form below.
* - Indicates required field
*Fees may apply. Overdraft Privilege may be revoked at any time without notification. **Refer to Discretionary Overdraft Privilege Disclosure.