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Overdraft Options

A little extra protection when life happens

Overdraft Protection

Avoid the stress of overdrafts with a simple backup solution.

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Overdraft Line of Credit

Keep your payments on track, backed by a line of credit.

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Overdraft Privilege

Help avoid declined transaction with an added layer of coverage.

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Debit Card Advantage

Use your debit card even when funds are low.

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Confused woman looking at a receipt.

A little extra protection when life happens

We’ve all been there — a purchase goes through, and later you realize your checking account balance wasn’t quite what you expected. It can be surprising, stressful, and inconvenient.

At Credit Union of Denver, we offer several overdraft options designed to help protect you from the unexpected and give you more confidence when managing your money.

You choose the coverage that fits your needs — and we’ll help you understand how each option works.

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Under Overdraft Privilege we may pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • ACH transactions and Automatic Bill Payments (not those initiated through C·U·D’s Bill Pay service)
  • Reoccurring debit card transactions

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to by Opting-In to our Debit Card Advantage Program:

  • ATM transactions
  • Everyday debit card transactions

Under Overdraft Privilege:

  • No fee will be charged for transactions of $5 or less
  • We will charge you a $303 fee each time we pay an overdraft
  • There is no limit on the total fees we can charge you for overdrawing your account

3 Refer to the current fee schedule – subject to change without prior notice.

If you also want us to authorize and pay overdrafts when you use your debit card for ATM and everyday debit card transactions, you must Opt-In to our Debit Card Advantage Program.

Under Debit Card Advantage:

  • If the amount of the overdraft is $5 or less, there will not be a fee assessed
  • We will charge you a $303 fee each time we pay an overdraft (if the amount of the overdraft is more than $5)
  • There is no limit on the total number of fees we can charge for overdrawing your account

3 Refer to the current fee schedule – subject to change without prior notice.

Disclosures

¹ Eligibility Requirements
To qualify for Overdraft Privilege and Debit Card Advantage:

The primary member must be at least 18 years old

The checking account must be open for at least 90 days

The account must be in good standing with no loans more than 15 days past due

The member must not have caused a loss to the Credit Union

Business, Estate, Living Trust, and Representative Payee accounts do not qualify. These services do not apply to teller transactions or transactions initiated through C·U·D Bill Pay Services. Authorization and payment of transactions are at the Credit Union’s discretion, and services may be revoked at any time.

² Transaction Processing & Fees
Transactions are paid in the order received by the Credit Union, not when they occurred. This may result in multiple NSF fees in one day. There is no fee for transactions of $5 or less. Negative balances must be brought positive within 30 days.

³ Fees
Refer to the current Fee Schedule, which is subject to change without notice.

4 APR = Annual Percentage Rate
Overdraft Line of Credit is subject to credit approval. If approved, you’ll pay interest only on the amount you use—making it a cost‑effective option for short‑term coverage.