Help avoid declined transaction with an added layer of coverage.
Overdraft Privilege1 can be used alongside Overdraft Protection or an Overdraft Line of Credit for added support.
At the credit union’s discretion, transactions may be paid up to $500 beyond your available balance, including fees³. Items are processed instead of returned, and a $30 Non‑Sufficient Funds (NSF) fee applies per transaction². Without this service, declined items would still incur the same NSF fee — and you could also face additional merchant fees.
If you qualify, this service may cover:
Eligible members are automatically enrolled and may opt out at any time with a written request or within digital banking.
Stay covered when your checking account needs a little extra support.
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A loan attached to your checking account that can help cover expenses when your balance runs low.
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.
³ Fees Refer to the current Fee Schedule, which is subject to change without notice.