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Overdraft Privilege

Overdraft Privilege ... Because Life Happens!


  Unforeseen circumstances happen to all of us...and usually at just the wrong time! Your car breaks down and pay day is still a couple of days away. You make an honest mistake in your checkbook and it leaves you with a "little short" to cover all your outstanding checks.

This service may allow us to present an item presented for payment against your account even if it causes the account to become overdrawn. While it is not an invitation to overdraw your account, it is an added layer of safety should you accidentally write checks for more than you have in your account, or an inadvertent error causes the account to become overdrawn.

Funds for overdraft first will come from your overdraft protection, but if sufficient funds aren't available, we may elect to cover your overdrafts up to $500.00 including fees. Should an overdraft occur, your account will be charged $30.00 for handling each item paid by the discretionary Overdraft Privilege.

You must be a member in "good standing" and whose account has been open 60 days to qualify for this service.

There are many benefits to you with this service, including:

  • Saving you from the embarrassment of returned checks
  • Saving you from merchant returned check charges
  • Saving you collection agency fees and protecting your good credit rating

We require no application to add this safety measure to your account. 

Please contact the credit union if you have any more questions or would like to opt out of this service.