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Overdraft Protection

HCCU Overdraft Protection

Transfer from another account - If you have other accounts with us, you can authorize us to transfer the funds needed to cover your overdraft. There is a $5 transfer fee.

Line of Credit – A line of credit is available to cover overdrafts. This service requires you to complete an application and approval is based on your credit worthiness. Contact Helena Community Credit Union for applicable terms and conditions.

Overdraft Privilege - Overdraft Privilege is a service we add to your checking account to cover inadvertent overdrafts, subject to the eligibility criteria as explained below. With Overdraft Privilege we will generally pay your overdraft items up to $700.00, however, whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. You will be charged our normal overdraft or return item fee currently up to $28.00 for each item that is presented. When more than one overdraft item is presented and paid, multiple overdraft fees may be charged. Both the amount of the overdraft items and all applicable fees, including but not limited to the overdraft fees, are included in this limit. All deposits to overdrawn accounts are applied to the negative balance.

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