Overdraft Protection

Unforeseen circumstances or miscalculating your account balance can cause you to overdraw your share draft account, but don't worry, we've got you covered.

For members that enroll in our Courtesy Pay overdraft service, we'll pay items on your behalf, up to $500.00 (including applicable fees). Courtesy Pay can cover checks, ACH items, debit card transactions, and bill pay transactions. It keeps you from facing additional charges from the merchant, not to mention the embarrassment of a declined transaction. Certain terms and restrictions apply.

Members may also enroll in standard overdraft protection, which links your share draft account to either a savings or credit card account. There is a small fee if a transfer from your savings or credit card account occurs due to insufficient funds in your share draft account.

No matter which option you choose, you don’t pay any fee unless the service is utilized.