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Overdraft Protection

Payment Order of Items

Items presented may not be processed in the same order as they were received and that order may affect the total fees assessed to your account. Generally, ATM/Debit transactions are processed at the time of purchase unless the CU is temporarily offline or the merchant has not settled the batch on which the transaction has occurred. Checks presented to HCCU for payment during business hours are processed as they are received. All other check items are processed in the order received by the Federal Reserve. Items submitted electronically, such as ACH items, preauthorized automatic transfers, telephone-initiated transfers and any other electronic transfers are processed as received.

NOTE: Please be aware that holds placed on your account for pending electronic transactions, such as hotel or rental car deposits, reduce your available balance and may cause your account to become overdrawn.

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