Overdraft Questions

You can opt in to overdraft protection by filling out Overdraft Opt-In Document and returning it to the credit union. 

Please see our Rate & Fee Schedule for a complete list of current fees. 

If you opt out of overdraft services, here's what to expect:

• Everyday debit card and ATM transactions will be declined if you don’t have enough money in your account at the time of the purchase.

• You won’t be charged an overdraft fee for those declined transactions.

• Checks, ACH payments, or automatic bill pay may still be returned unpaid, and you could be charged a returned item fee (unless you have overdraft protection from another linked account).

• Overdraft Protection: Links your checking account to another account (like savings or a line of credit) to cover shortfalls. It helps you avoid fees by pulling from your own funds.

• Courtesy Pay: We may cover your transaction even if you don’t have enough money — this is more of a safety net, and a fee may apply.

• Set up Account Alerts for low balances

• Use Online or Mobile Banking to check balances regularly

• Link your Savings Account for automatic overdraft protection

• Consider opting out of Courtesy Pay for debit card purchases if you’d rather a transaction be declined than incur a fee.

Yes — federal regulations require you to opt in before we can authorize and pay overdrafts for everyday debit card transactions. You can opt in or out at any time.

Yes! Use the mobile app to check your real-time balance, or set up text or push alerts for low funds. This gives you a chance to transfer funds or adjust spending before a fee kicks in.