Overdraft Protection helps protect you against high fees and the embarrassment associated with “bounced checks” or having your purchases declined. Overdraft protection allows you to avoid the expense of a Non-Sufficient Funds (NSF) fee if there is an overdraft of your checking account.
Benefits of Overdraft Protection
- Automatic transfer of funds when Checking Account funds are depleted
- Helps avoid a $30 NSF fee
- $5 advance fee* per overdraft
- Two options of Overdraft Protection available
How to Enroll
Simply stop in any of our branches or call a Member Service Representative at 800-491-4309.
Overdraft Protection Options
| Share Account Overdraft | Amount |
|---|---|
| Advance Fee | $5* per overdraft |
| Transfer Increments | $50 |
| Line of Credit Overdraft** | Amount |
|---|---|
| Advance Fee | $5* per overdraft |
| Transfer Increments | $100 |
| APR | 13.00% |
| Monthly Payment | 10% of the balance or $25 minimum |
*$5 Advance Fee can be avoided by manually transferring funds via Online Banking.
**Must apply with a loan officer for Line of Credit Overdraft Protection.
