Overdraft Protection

We offer overdraft options to protect your everyday spending.

We’ve got your back for those unexpected times when you don’t have enough funds in your checking account to pay for expenses.  Whether it’s a bill, a recurring expense, or an everyday purchase with your debit card, we have several options to help you out.

Automatic Savings Transfer

Link to your Credit Union savings account(s) to help cover items you’re paying from your checking account. If you don’t have enough money on deposit in checking, we’ll transfer funds from your selected savings accounts in increments of $100.00. You will pay $5.00 per posting.

  • For more information call us at 800-533-0035 or stop by a branch.

Bounce Protection

This comes standard with most of our checking accounts, and provides overdraft coverage for bills and other payments made by Automated Clearing House (ACH) and checks.   If you don’t have enough money in checking to cover a bill or check that has been presented for payment, Bounce Protection can cover those items – up to a total of $500.00.  All you’ll pay is a simple $25.00 fee per item covered.  Just remember to bring your account positive within 30 days. See below for additional program details.¹

Overdraft not your speed? 

  • You can ask for Bounce Protection to be removed from your accounts by calling us at 800-533-0035.

  • Or stop by a branch

Bounce Protection Plus

You can opt-in to our Bounce Protection Plus program, which extends overdraft coverage for consumer debit card transactions from your checking account. If you’re buying gas or groceries and don’t have enough money in checking, Bounce Protection Plus can cover those everyday transactions for you – up to a total of $500.00.  You’ll pay as little as 1 cent for each debit card transaction covered when you meet certain same day requirements before 8:00 p.m. CST, otherwise a $25.00 fee for each debit card transaction covered will apply. Just remember to bring your account positive within 30 days. See below for additional program details. ¹

Overdraft Loan

When you apply and are approved for an overdraft loan, you can have access to up to $2,000 to cover checking account transactions.² Since you only pay interest if the loan is used, you can save money on overdraft fees.

  • You can call us at 800-533-0035 to discuss your options.
  • Or Chat Now
  • Or stop by a branch

Automatic Savings Transfer

Link to your Credit Union savings account(s) to help cover items you’re paying from your checking account. If you don’t have enough money on deposit in checking, we’ll transfer funds from your selected savings accounts in increments of $100.00. You will pay $5.00 per posting.

  • For more information call us at 800-533-0035 or stop by a branch.

Bounce Protection

This comes standard with most of our checking accounts, and provides overdraft coverage for bills and other payments made by Automated Clearing House (ACH) and checks.   If you don’t have enough money in checking to cover a bill or check that has been presented for payment, Bounce Protection can cover those items – up to a total of $500.00.  All you’ll pay is a simple $25.00 fee per item covered.  Just remember to bring your account positive within 30 days. See below for additional program details.¹

Overdraft not your speed? 

  • You can ask for Bounce Protection to be removed from your accounts by calling us at 800-533-0035.

  • Or stop by a branch

Bounce Protection Plus

You can opt-in to our Bounce Protection Plus program, which extends overdraft coverage for consumer debit card transactions from your checking account. If you’re buying gas or groceries and don’t have enough money in checking, Bounce Protection Plus can cover those everyday transactions for you – up to a total of $500.00.  You’ll pay as little as 1 cent for each debit card transaction covered when you meet certain same day requirements before 8:00 p.m. CST, otherwise a $25.00 fee for each debit card transaction covered will apply. Just remember to bring your account positive within 30 days. See below for additional program details. ¹

Overdraft Loan

When you apply and are approved for an overdraft loan, you can have access to up to $2,000 to cover checking account transactions.² Since you only pay interest if the loan is used, you can save money on overdraft fees.

  • You can call us at 800-533-0035 to discuss your options.
  • Or Chat Now
  • Or stop by a branch

"I feel like they are truly there for me, and treat me like a person, not a number – as clichéd as that sounds."

Debi, member since 1981

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¹ Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdraft(s) on accounts opened for fewer than 90 days, if your account is not in good standing; which includes, but is not limited to, any negative balance or past-due loans of more than 30 days, if you are not making regular deposits, or if you have too many overdrafts. If we do not authorize and pay an overdraft, your transaction will be returned. Once an overdraft has occurred, you are obligated to bring your account to a positive balance within 30 days. Bounce Protection, Bounce Protection Plus and Overdraft Loan options are not available on Ascend checking accounts. See our Fee Schedule for more information.

² Loans are subject to credit approval and Credit Union lending guidelines. Member must be in good standing. See our Rate Schedule for more information.