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Overdraft Protection

Oh no! Have you accidentally overdrawn your Credit Union checking account? Everybody makes mistakes occasionally but this kind is costly. Overdraft Protection helps you avoid the cost and embarrassment of a returned check.

Overdraft Protection Covers Overdrawn Items

With Overdraft Protection, the funds to cover your overdrawn item will automatically be deducted from your Share Savings account (but not from your original $25 Share value).

You Must Have Sufficient Funds in Your Share Savings

However, if you do not have available funds in your Share Savings account, the item will be returned. A $25 insufficient funds fee will be charged for each item being returned.

We Do What We Can To Help You Make that Payment

As your Credit Union, we know it's hard to stop by to make a deposit before that check or automatic transfer clears. That's why we go one step further to help you avoid any penalties.

We are willing to work with you if you can make a deposit as soon as you realize you are overdrawn. If you make a deposit large enough to cover the item after it has posted to your account but before we have totalled the day's returns, we will help you out by not returning the item as insufficient funds.

So, your check will clear and you can avoid that hassle. However, your account will still be charged the insufficient fee charge of $25.

Please make sure you keep track of all transactions so this doesn't happen to you.