Life happens and sometimes you find yourself short the funds in your account to cover outstanding items. Overdraft Privilege may cover your insufficient items on qualified checking accounts up to $500 for a fee per covered item. It saves you the cost of additional merchant return fees and the embarrassment of having an NSF. Accounts then must be brought up to a positive balance within thirty (30) days to continue this service.
To authorize the Credit Union to pay overdrafts on ATM and debit card transactions, a separate form must be completed. For other transactions, this service is automatically activated within 30-60 days of opening your qualified checking account. You may elect to opt-out out of this service.
CCATCU reserves the right to suspend ODP service to those who are delinquent on any obligation with the Credit Union or for those that have a negative balance. Other restrictions may apply.ATM/Debit Card Authorization Opt-Out