Create An Overdraft Protection Plan

We all make mistakes. An overdraft protection plan can provide you with peace of mind knowing your transactions will be covered. Our overdraft protection services can help you avoid costly overdraft fees when you do not have sufficient funds in your checking account for a check, electronic debit, ATM, or debit card transaction.

We offer two types of protection options:

• Courtesy Pay
• Overdraft Protection Accounts

Courtesy Pay

With Courtesy Pay, we can cover your paper checks, bill payments, pre-authorized electronic transactions (ACH), and recurring debit card transactions, even if there are not enough available funds in your qualified checking account. Additionally, ATM and one-time/everyday debit card transactions may be covered if you opt-in and allow us to pay these transactions on your behalf when you do not have sufficient available funds in your checking account. You may opt-in online, call (800) 334-8788, or visit any branch location to complete the opt-in form.

There is no fee to have Courtesy Pay protection and there is no cost associated with signing up. You will be charged $27 each time we pay an overdraft on your behalf, taking your account negative.¹

Learn more about Courtesy Pay.

Overdraft Protection Accounts

We offer several different types of Overdraft Protection Accounts: Share Savings, Money Market, and Line of Credit.

Link your checking account to any of our Overdraft Protection Accounts to automatically transfer funds and avoid overdraft fees. Enroll in Overdraft Protection by calling (800) 334-8788, or by bringing this printer-friendly form to any of our credit union branches. It only takes a moment and will remain in effect until you inform us otherwise.

Linking your accounts is free, although there is a $4 fee charged to your savings, money market account or line of credit for each overdraft transfer.

See a complete list of fees and charges.

Additional Account Management Resources:

Overdrafts can happen to the best of us. That’s why we provide ways to help you keep a watchful eye on your finances. Below are a number of services we provide to help you reduce your chances of inadvertently overdrawing on your checking account and incurring unexpected overdraft fees.

Balance Alerts

Stay informed with free, timely account alerts sent directly to your email or mobile device.*

• Balance alerts are free with your Digital Banking access
• You choose the amount and we will send you a message that your account balance is getting low
• Be notified of check clearings, paycheck deposits, and other account activity with transaction alerts
• You are in control–add new alerts, turn off existing alerts, or change your contact preferences at any time
• Sign in to Digital Banking to enroll or change your alerts

Online Account Transfer¹

Easily move funds from one account to another using your Digital Banking account. Access your accounts 24/7 from any web browser or via the mobile app.

• Digital Banking is free 
• Make immediate fund transfers between your accounts

We are here to help you successfully manage your money. Start taking advantage of these easy-to-use tools today and say goodbye to overdraft fees. If you have any questions about the services listed above, call us at (800) 334-8788, or visit your nearest branch.

Important information including legal disclosures. See the complete list of fees and charges.

*Standard text and/or internet charges may apply depending on your carrier and service plan.

Terms & Conditions

¹Federal Regulation D limits the number of transfers from savings and money market accounts to 6 per month. A $10 fee is charged for each transaction over the regulatory limit.

Please see our Personal Account Agreement & Disclosure for important overdraft information. Our Courtesy Pay coverage is not a loan. All fees and overdraft (negative balance) are due upon transaction notification.

Payment of an inadvertent overdraft is not guaranteed and is paid at the credit union's sole discretion. Courtesy Pay is not a loan, and all fees and the overdraft amount (negative balance) are due and must be repaid to us promptly, not to exceed 30 days from the first day your account becomes overdrawn. Lower limits may be granted at the discretion of the credit union. Courtesy Pay of an inadvertent overdraft is not guaranteed and is paid at the credit union's sole discretion.

There is a 5 per day limit on the number of times we will charge this fee.

Good standing means that you and any of your joint owners:

• Pay your negative balances timely (within 10 days)
• Make your loan payments on time
• Have not caused a loss to the credit union
• Do not repeatedly overdraw your account