Overdraft Privilege (Courtesy Pay) permits you to overdraw your checking account up to $500 (including fees). You will be assessed a $35 fee per item that clears your account.
Should you inadvertently overdraw your account, we have the discretion to cover your overdrafts up to $500.00 after first subtracting the amount of the overdraft fee(s). When your items are paid, this service will help save you the embarrassment and inconvenience of a returned item as well as the fee normally charged to you by merchants for items returned to them.
The Discretionary Overdraft Privilege is available for checks and ACH/EFT transactions. You can get access to the funds on your debit card by Opting In. for form. Just sign and return Opt-In Notice Form to Credit Union.