Members are set up with this automatically.

Funds are automatically transferred from savings to checking to cover overdrafts. Per federal regulations, there is a limit of 6 withdrawals per month by phone, ACH automatic withdrawals and online transfers. 

A line of credit is attached to your checking account.

Funds will be transferred in $100 increments from the line of credit to your checking account should you overdraw. 

Apply in online banking, by phone or in person.

If your line has a balance, a minimum payment of 2% of the balance or $20.00, whichever is greater, will automatically be deducted from your checking account on the 20th of each month. You can also transfer online from checking or savings to your line of credit at any time. 

Apply

Overdraft Privilege Pay
for checks bill payments, checks, ACH

In the event you have neither a line of credit nor available savings, we will authorize and pay overdrafts at our discretion for checks and other transactions made using your checking account number, automatic bill payments, ACH transactions, and other electronic funds transfers. Privilege pay is automatic; you must opt out if you do not want it.

$30 charge per occurrence over $15

Maximum daily accumulated charges is $150

You must register for this service.

In the event you have neither a line of credit nor available savings, we will authorize and pay overdrafts at our discretion for debit card purchases and ATM transactions. You must complete an ATM/Debit form.

$30 charge per occurrence over $15

Maximum daily accumulated charges is $150

You'll receive written notification when Privilege Pay is used. You have 35 days to return your account to a positive balance.

Consent Form