OVERDRAFT PROTECTION...
IS A LINE OF CREDIT LOAN

As an extra level of security, if you have a share draft account with the Credit Union, why not apply for Overdraft Protection? It is free to sign up for and an added protection for your share drafts with no bounced check fees to worry about!

What It Does:
It is set up to protect your share draft (checking) account from any returned drafts due to insufficient funds.  By having Overdraft Protection, you would prevent yourself from the embarrassment of having a check returned.  You would also save a return check fee of $25.00 from the Credit Union, not to mention any fees from the institutions trying to clear the checks.

How It Works:
If funds are insufficient when a check tries to clear, overdraft will deposit funds into your account in increments of $100.00.  If you are using a debit card and your account is short funds, overdraft will deposit the amount needed to process the transaction.  You will be sent a notice each time your overdraft is activated.  The notice informs you of the amount deposited into your checking and also indicates which checks were covered by the balance and deposit.  Be sure to adjust your check register. And as long as your Overdraft Protection loan is current, you will be protected.

Why Overdraft?:
When you

• write a check,
• withdraw money from an ATM,
• use your debit card to make a purchase,
  or
• make an automatic bill payment or other electronic payment

for more than the amount in your checking account, you overdraw your account.  Save fees, embarrassment, and inconvenience.  Apply for overdraft and let it safeguard your Share Draft Account.

How To Repay Your Overdraft Protection:
Each month you have a balance, a payment notice will be sent to you.  The notice will indicate your minimum payment (10% of the loan balance or $25.00, whichever is greater) and the payment due date.  Overdraft payments are always due on the 15th of each month.

You can also repay the loan without waiting,  If you know you've used Overdraft or have received a notice, you can repay it immediately.  Payments before the due date are always welcome.  You can repay the loan by mailing a check, stopping into any branch office, via Virtual Branch Home Banking, or calling EZ Access.

Overdraft Protection is set up as a fixed-rate line of credit loan with limits from $500.00 to $2,500.00, and flexible repayment options, our Overdraft Protection loan is there for you when you need it!  You only pay for it if you use it!

Click here for our most current Overdraft Protection Loan rates
		Don't wait... Apply Online Today!

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