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Overdraft Protection


No application is required for Overdraft Privilege; eligibility is at the sole discretion of the Credit Union and is based on your effective management of your checking account. Your Overdraft Privilege may be suspended or permanently removed based on the following criteria:

  • You do not bring your account to a positive balance within 32 days of becoming overdrawn.
  • You have an account that has been opened less than 35 days.
  • Your account type is not eligible.
  • You are more than 30 days past due on any Credit Union loan or delinquent on any other obligation to the Credit Union.
  • You are subject to any legal or administrative orders, levy, or are currently a party in a bankruptcy proceeding.
  • You have an outstanding balance on an Overdraft Repayment Plan.
  • Your account is being reviewed for fraudulent activity or transactions.
  • The primary account owner is less than 18 years old.
  • Your account is classified as inactive.
  • You have an unresolved prior loss with the Credit Union.
  • We do not have a valid address for you.
  • We believe you are not managing your account in a responsible manner which may harm you or us.
  • You currently have arranged a debt restructure or workout loan with the Credit Union.

Transactions Eligible for Overdraft Privilege Include – Checks, in-person withdrawals, ACH transactions, preauthorized automatic transfers, internet banking and telephone banking. Overdraft Privilege will not be available for ATM and everyday debit card transactions unless you authorize the Credit Union by completing an Extended Coverage Consent Form.

NOTE: If you have consented to Overdraft Privilege for ATM transactions, please verify your balance before initiating an ATM cash withdrawal. All overdrafts will be subject to our $28.00 overdraft fee for each withdrawal until the account returns to a positive balance.

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