Everyone makes mistakes, like forgetting how much you have in your account and writing a draft for too much money.  Our Overdraft Privilege will help you avoid returned check charges.

After you have been a member for 180 days and your Share Draft account has been in good standing for at least 90 days, you automatically qualify for Overdraft Privileges.   If you do write a draft for more than what is in your account we will automatically advance you the money to clear the draft to a limit of $300 or $500 [if you have direct deposit].  There is a fee of $30 each time you use this service which is less than the fees you would incur if your check bounced.

You may opt out of this service by notifying us.