From everyday expenses to unexpected costs, our overdraft protection options can provide added flexibility when you need it. Click on the tabs below to explore the three options available to YOU.
Transfer from Shares
With member opt-in, funds can be automatically transferred from available funds in your share accounts to cover overdrafts. There is no limit on the number of transfers that can be made.
Cash Draw Line Of Credit
Our revolving Cash Draw Line of Credit provides a convenient way to cover overdrafts in $50 increments. Lines of credit must be applied for and are subject to underwriting and approval by Lending Services.
Credit limits ranging from $500 to $10,000 may be available. There are no transfer or service fees, and there is no cost to you if the line of credit remains unused.
Courtesy Pay
When an unexpected expense causes your account balance to fall short, Courtesy Pay may help prevent eligible Checking Account transactions from being declined. If you’re enrolled, the Credit Union may, at its discretion, cover the transaction up to $750, including applicable fees. A $30 fee is charged for each occurrence.
Courtesy Pay requires enrollment and is not automatically included with your account. Members can opt in when opening a Power Checking Account or, for existing members, by completing an Opt-In / Opt-Out Form.
If you decide Courtesy Pay is no longer right for you, you can opt out at any time by completing the Opt-In / Opt-Out Form or contacting Member Services.
To be eligible for Courtesy Pay:
- You must be 18 years old or older
- You must have an active account in good standing
- Courtesy Pay is available only for Checking Accounts
Courtesy Pay Disclaimer: The credit union’s Courtesy Pay plan is a discretionary non-contractual courtesy. It is not an obligation of the credit union and the credit union may refuse to provide the courtesy on any personal or business checking account at any time and from time to time. The accountholder does not have a contractual right to Courtesy Pay and courtesy payment is not guaranteed by the Courtesy Payment plan.
