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There are three types of overdraft protection, which may be combined:

1) Courtesy Pay is often granted to members with checking accounts in good standing after 60 days of activity. Courtesy Pay allows the checking account to be drawn negative up to a specific limit. A fee is assessed for each Courtesy Pay transaction.

2) Overdraft from the savings account is available when there are enough funds available to cover the transaction. These transfers out of the savings account, combined with transfers made using Online Banking or our Contact Center, may not exceed 6 occurrences per calendar month. A fee is assessed for each overdraft savings transfer.

3) Overdraft Line of Credit loans are available for qualified applicants. A specific limit will be set at the time of application. There is no fee assessed for overdraft line of credit usage, however, an interest rate is applied to the balance and monthly payments are required.