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Overdraft programs

Options for peace of mind

We understand that life gets busy. If in between juggling work appointments and day care pickups you find yourself inadvertently overdrawing your checking account or if you worry about not having enough money in your account for an unexpected expense, we’ve got you covered with convenient options for overdraft coverage. 

Peace of mind

Peace of mind

Find comfort knowing your
transaction could be covered.

Overdraft Privilege

Overdraft Privilege

Available as secondary coverage if other overdraft sources are exhausted.
Avoid Late or Returned Fees

Avoid Late or Returned Fees

With overdraft options, bill payments could
be covered to help avoid late fees.

Consider the following four options to have more control of your life’s unexpected expenses:

Automatic Savings Transfers

 

Link your checking and savings accounts so if your checking account gets overdrawn, we’ll automatically move money from your savings account to cover it. 

This service includes: an automatic transfer from your designated savings account to your checking account in any sum necessary to cover overdrafts up to the available balance in the savings account. All transfers to the checking account will be in increments of $100 up to the available balance in the savings account. All transfers shall be under the same member number.

Line of Credit

 

Apply for a line of credit1 to ensure you always have the money available to spend when you need it. If you overdraw your checking account, money will advance from your approved line of credit.
 

Apply Now

 

1Overdraft lines of credit are subject to credit approval.
2See Line of Credit terms for minimum withdrawal and available balance requirements.

Overdraft Privilege
 

Overdraft Privilege2 allows you to overdraw your account up to the disclosed limit for a fee on checks, bill pay items and recurring debits.

  • A $30 fee will be assessed for each overdraft

  • Total overdrafts cannot exceed your disclosed amount, including fees

  • Does not require credit approval

Even if you have overdraft coverage, such as a transfer from another account, Overdraft Privilege is still available as secondary coverage if the other overdraft sources are exhausted.
 

**This privilege does not apply to minor accounts, trust accounts, special accounts and HSAs.

2Overdraft payment by the credit union is a discretionary courtesy and not a right of the member or an obligation of the credit union. This privilege for consumer share draft accounts will be limited to a maximum amount of $1000 overdraft (negative) balance. Transaction types that are eligible for Overdraft Privilege include, and are limited to: ACH transactions, debit card transactions, drafts and On-Us checks at the teller counter. For one-time debit card transactions, you must have previously opted-in for Overdraft Privilege or the transaction will be declined. You must bring your account balance positive within every 30-day period for a minimum period of 24 hours. The credit union, at its discretion, can cancel this protection and cease paying overdrafts at any time without prior notice of reason or cause.

Extended Coverage

 

With Extended Coverage, this service is available to cover overdrafts caused by ATM and one-time debit card transactions in addition to check, bill pay items and recurring debits.


How to Give Consent for Extended Coverage

 

Use the options below if you’re interested in extending your Overdraft Privilege coverage to include ATM and one-time debit card transactions:


**This privilege does not apply to minor accounts, trust accounts, special accounts and HSAs

Non-Sufficient Funds Fees:


Effective February 1, 2021

  • ATM/check card overdrawn fee3

    $30 per card transaction that is paid when there are insufficient funds in the account.

  • Returned ACH fee3

    $30 per ACH transaction.

  • Returned check deposit fee

    $15 per deposited check.

  • Returned check draft fee3

    $30 per returned check.


3 An Overdraft Courtesy fee (sometimes referred to as an Overdraft fee or ODP fee) of $30 may be imposed if TruStone chooses to pay overdrafts created by checks, in person withdrawals, ATM withdrawals or other electronic means, as applicable.