Overdraft Protection

An Added Layer of Protection for Peace of Mind

An overdraft occurs when you do not have enough money in your Personal Checking Account to cover a transaction, but MY CREDIT UNION pays it anyways!

Learn about the different options we have to help give our members peace of mind when it comes to working with a tight budget.

a spreadsheet full of financial information

Draw Account

A Draw Account can be a great option to cover an overdraft from your Personal Checking Account. Your Regular Share or Money Market Account is linked directly to your Personal Checking Account acting as a safety net!

Let technology do the work. If you are going to overdraw, any funds available in the linked Draw Account will automatically be transferred to your Personal Checking Account.

Want more details? Stop into one of our branches today or contact us to learn more about this option!

Person tapping a credit card on a payment terminal

Courtesy Pay

Courtesy Pay is a service which conveniently covers your Personal Checking Account from an overdraft caused by an unplanned ATM withdrawal or an everyday debit card transaction. We have all experienced an unexpected expense or a budget miscalculation. Life happens!

Courtesy Pay helps avoid the embarrassment of your payment declining due to insufficient funds. If you have questions feel free to give us a call or stop into one of the branches!

Requirements:

  • Must be 18 years or older
  • Opt-In Signature Required
  • Available to Personal Checking Account holders in good standing after 90 days
  • See current Service Fee Schedule for applicable fees.
Hand inserting a debit card into an ATM machine