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Overdraft Services

NAE Federal Credit Union checking accounts come with overdraft services.

  • Institutional credit union overdraft protection is used when a member overdraws their checking account and money from their primary share (S1) account is transferred to cover the item(s) trying to clear. This service is free of charge and is limited to (6) automatic transfers per month*. The $5 minimum balance requirement must remain in the share account at all times and will not transfer.
  • Member level credit union overdraft protection is also available. Members can select additional accounts to have funds transferred from (money market, club accounts, relative accounts, etc.) This service is free of charge and is limited to (6) automatic transfers per month*. The $5 minimum balance requirement must remain in the share account at all times and will not transfer.

Overdraft Privileges

After your Share Draft account has been in good standing for 180 days you automatically qualify for overdraft privilege where we may authorize and pay overdrafts (for a $30 fee) for share drafts or automatic bill payments. If you want overdraft privilege for ATM transactions and everyday debit card transactions you will have to authorize us to do so by opting in for that service.

The purpose of this service is to save you additional fees, charges and the embarrassment from merchants by paying share drafts, EFTs, Visa Debits and ATMs when you have insufficient funds in your account(s). The overdraft privilege is not a line of credit and the privilege may be withdrawn by NAEFCU at any time without notice. If you inadvertently overdraw your account, NAE will have the discretion to pay the overdraft, subject to the limit of your overdraft privilege and the amount of the overdraft fee. NAEFCU is not obligated to pay any item presented for payment if your account does not contain sufficient available funds. The fee is the same fee charged for items drawn against insufficient funds returned to you, the payee. Overdraft privilege will generally be limited to a maximum of $300-$500 overdraft (negative) balance including all fees and charges as part of this maximum amount.

*Regulation D: Transfers or withdrawals from savings accounts without a signature are limited to 6 per calendar month by the Federal Reserve Bank. These transactions include telephone transactions, overdraft transfers and voice response transfers. Any transfer or withdrawal in excess of 6 must be completed in a branch or at an ATM.

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