Overdraft Protection Services

Overdraft Protection

Overdraft protection for your checking account is available through automatic transfers from your Regular Share/Savings account in the off chance you forgot to transfer money to your checking account.

Overdraft Protection Loan

In addition, you may elect to have funds transferred into your checking account from your Overdraft Line of Credit (subject to loan approval).

Overdraft Privilege (ODP)

Overdraft Privilege or ODP is an elective feature offered by the Credit Union to its members.  Each member must apply for ODP and be approved (It is up to management based on past account history if you are approved or not.)  This feature allows you to overdraw your account for transactions such as ACHs clearing, share drafts (checks), and debit card purchases, for a fee.

These available options could save you the worry or embarrassment of having checks or ACHs returned on your account and potentially paying fees for the returned transaction at the original business or financial institutio