Overdraft Protection

Overdraft protection is a discretionary service. Overdraft protection allows us to authorize payment for the following types of transactions regardless of whether your share or deposit account has sufficient funds:

  • Share drafts/checks and other transactions made using your checking account
  • Automatic bill payments
  • ACH transactions

For ATM and one-time debit card transactions, you must affirmatively consent to such coverage. Without your consent, the Credit Union may not authorize and pay an ATM or one-time debit card transaction and charge an overdraft fee. Services and fees for these transactions are shown in the document the Credit Union uses to capture your affirmative consent and in the Schedule of Fees and Charges.

Printable Overdraft Protection Form     Courtesy Pay Disclosure  


Overdraft Protection Opt-in Form

To initiate the set-up of your overdraft protection, please complete and submit this form. A My Community representative will reach out to you to complete the process. You will be contacted as soon as possible within normal business hours.