ATM/Debit Card Overdrafts
And Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. This service saves you the embarrassment and inconvenience of a returned item, a returned item fee, as well as a fee normally merchants
may charge you for items returned to them.

Our standard overdraft practice is outlined below. Click here for a printable copy.  We offer an overdraft protection plan that is linked to your savings account. To learn more about this plan, please contact the credit union.

1) We automatically authorize and pay overdrafts for the following types of transactions:
. Checks and other transactions made using your checking account number
. Automatic bill payments

2) After August 15,2010, we will not authorize and pay overdrafts for the following types
of transactions unless you authorize us to:
. ATM transactions
. Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

3) Below are the overdraft fees when the credit union pays for your overdraft:
. We will charge you a fee of up to $25.00 each time we pay an overdraft.
. There is no limit on the total fees we can charge you for overdrawing your account.

Click here to print this document.  Fill out and return the bottom portion to the credit union.  If you have any questions, please contact us.