Overdraft Privilege (ODP) is a service that is automatically provided to all Classic and Advantage checking accounts in good standing after 60 days of account opening (members have the right to opt-out). With overdraft privilege your check, ATM withdrawal, debit card purchase or other electronic debit item may be covered by the credit union up to the $500 limit. You will be charged the standard NSF fee of $30.00 per item. You will receive notification when an overdraft occurs on your account and you will be expected to deposit adequate funds to bring your account to a positive balance within 30 days. If you do not your overdraft privilege will be revoked and efforts will be taken to collect this negative balance.

Protect your checking account from costly Non-Sufficient Funds (NSF) fees with an Overdraft Protection Loan. We’ll cover your overdraft with an advance from a special line of credit, so your checks clear as they normally would.

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