Overdraft Protection Options

Savings Account Overdraft 

This overdraft option allows the Credit Union to automatically debit your Savings Account to cover your Checking Account should you become overdrawn.

Good to Know:

      • Fee: $2.00 per item 
      • Funds must be available in Savings Account to cover the items 
      • To update your overdraft protection, please visit a branch to update account paperwork 

 

Privilege Pay Overdraft 

Privilege Pay is an overdraft service we offer to qualified members. This does not cover overdrafts for VISA debit card transactions UNLESS you tell us you want overdraft coverage for these transactions (opt-in).

Good to Know:

      • Fee: $26.00 per item
      • Privilege Pay Overdraft is not a line of credit, and the full balance must be paid back within 30 days
      • To update your overdraft protection, please visit a branch to update account paperwork 
 

Line of Credit Overdraft 

This overdraft protection option allows the Credit Union to automatically debit your line of credit loan to cover your Checking Account should you become overdrawn.

Good to Know:

      • The line of credit is a loan so you will pay interest on the amount you borrow
      • Must qualify and apply for the line of credit as you would any other loan
      • To update overdraft protection, please visit a branch to update account paperwork 
 

VISA Debit Card Overdraft 

You can elect to “Opt-In” for Privilege Pay Overdraft on your VISA Debit Card transactions. This service is offered to qualified members. 

Good to Know:

      • Fee: $26.00 per item 
      • This service is offered to qualified members
      • Privilege Pay Overdraft is not a line of credit, and the full balance must be paid back within 30 days
      • To update your overdraft protection, please visit a branch to update account paperwork 
 
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