Prevent Declines

Payment Protection

Depending on how members use their checking account to pay, MY CREDIT UNION offers options to prevent a  low account balance from getting in the way! 

a spreadsheet full of financial information

Overdraft Protection - Set up your share savings account as a backup to your checking account. Ask us today to learn more about how to set up this option.

Premium Overdraft Protection - Available to checking account holders after their account has been open and remains in good standing after 90 days. No opt-in required.  Transaction types include:

  • Checks
  • ACH Transactions
  • Recurring Debit Card Payments
  • Automatic Bill Payments

Courtesy Pay - Opt-In Required, See PDF Application below.  Transaction types include: 

  • ATM transactions
  • Everyday Debit Card transactions

Why Utilize These Payment Protection Options?

- Avoid the embarrassment of a payment decline for insufficient funds

- Avoid getting hit by two fees (merchant and MY CREDIT UNION)