Overdraft Privilege

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