{"id":535,"date":"2018-01-12T10:46:48","date_gmt":"2018-01-12T15:46:48","guid":{"rendered":"https:\/\/www.natcocu.org.php7-29.phx1-1.websitetestlink.com\/?page_id=535"},"modified":"2025-03-31T16:36:06","modified_gmt":"2025-03-31T20:36:06","slug":"overdraft-courtesy-pay-protection-privilege","status":"publish","type":"page","link":"https:\/\/www.natcocu.org\/overdraft-courtesy-pay-protection-privilege\/","title":{"rendered":"Overdraft Courtesy Pay, Protection &#038; Privilege"},"content":{"rendered":"<div id='av_section_1'  class='avia-section av-6ztzz-76214829b54356fd26ba37ab8283d5b5 main_color avia-section-default avia-no-border-styling  avia-builder-el-0  avia-builder-el-no-sibling  avia-bg-style-scroll container_wrap sidebar_right'  ><div class='container av-section-cont-open' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-small alpha units'><div class='post-entry post-entry-type-page post-entry-535'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1o7tb3-da7ccdc3f9ad478057ec6d38eca88bd1\">\n.flex_column.av-1o7tb3-da7ccdc3f9ad478057ec6d38eca88bd1{\nborder-radius:0px 0px 0px 0px;\npadding:0px 75px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-1o7tb3-da7ccdc3f9ad478057ec6d38eca88bd1 av_three_fourth  avia-builder-el-1  el_before_av_one_fourth  avia-builder-el-first  first flex_column_div  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9tuu7-52254d748698280fb7d5b9ebcc6de905\">\n#top .av-special-heading.av-9tuu7-52254d748698280fb7d5b9ebcc6de905{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-9tuu7-52254d748698280fb7d5b9ebcc6de905 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-9tuu7-52254d748698280fb7d5b9ebcc6de905 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-9tuu7-52254d748698280fb7d5b9ebcc6de905 av-special-heading-h1 blockquote modern-quote  avia-builder-el-2  el_before_av_textblock  avia-builder-el-first '><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Overdraft Courtesy Pay, Protection <span class='special_amp'>&amp;<\/span> Privilege<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-1cycuv-99a9e884dd11eb914c2ec3e392d12f8c '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>There are times that something unexpected comes up. You may need extra money for unforeseen events such as sudden medical expenses or auto repairs. In situations like these, even if funds are not available in your checking account, the credit union may still authorize your transactions.<\/p>\n<h3>Overdraft Protection<\/h3>\n<p>We will first look to balances in your savings account and then any other sub account under your member number that you have requested. If funds can be transferred to fully cover the transaction, we will do so without a fee!<\/p>\n<h3>Overdraft Courtesy Pay<\/h3>\n<p>We realize there might also be times when the unexpected can cause you to temporarily overdraw your account. This is when overdraft courtesy pay can help. Checks and electronic payments may be covered and paid from your checking account by accessing funds through overdraft courtesy pay, up to an overdraft balance of $775.<\/p>\n<p>There is a $25 fee incurred each time a transaction is covered by overdraft courtesy pay. We will always first look to see if items can be paid utilizing overdraft protection. View the printable brochure for more details and the full overdraft courtesy pay policy.<\/p>\n<h3>Overdraft Privilege<\/h3>\n<p>An overdraft can also occur when you use your debit card. With overdraft privilege, we may allow debit card authorizations to be approved even if there isn&#8217;t enough money in your account at the time of the purchase.<\/p>\n<p>Members must opt-in to overdraft privilege to have everyday debit card transactions be covered by the overdraft options listed above.<\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1a8n3z-7596d9cff0b880a0d98fa9299a3df5fd\">\n#top .hr.hr-invisible.av-1a8n3z-7596d9cff0b880a0d98fa9299a3df5fd{\nheight:25px;\n}\n<\/style>\n<div  class='hr av-1a8n3z-7596d9cff0b880a0d98fa9299a3df5fd hr-invisible  avia-builder-el-4  el_after_av_textblock  el_before_av_button '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<div  class='avia-button-wrap av-11lemv-0a31166b464b8c70d021ed8c89a89d62-wrap avia-button-left  avia-builder-el-5  el_after_av_hr  avia-builder-el-last '><a href='\/wp-content\/uploads\/2018\/08\/Overdraft-Courtesy-Pay.pdf'  class='avia-button av-11lemv-0a31166b464b8c70d021ed8c89a89d62 av-link-btn avia-icon_select-no avia-size-medium avia-position-left avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"Download Brochure\"><span class='avia_iconbox_title' >Download Brochure<\/span><\/a><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-wrh27-e1eb972a0c6d3e6b1a959f2acc7711f4\">\n.flex_column.av-wrh27-e1eb972a0c6d3e6b1a959f2acc7711f4{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-wrh27-e1eb972a0c6d3e6b1a959f2acc7711f4 av_one_fourth  avia-builder-el-6  el_after_av_three_fourth  el_before_av_hr  sticky flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-t69tr-e2b1eafea4d2335c81f8441f11f6e03a\">\n.avia-image-container.av-t69tr-e2b1eafea4d2335c81f8441f11f6e03a img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-t69tr-e2b1eafea4d2335c81f8441f11f6e03a .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-t69tr-e2b1eafea4d2335c81f8441f11f6e03a av-styling- av-img-linked avia-align-center  avia-builder-el-7  el_before_av_hr  avia-builder-el-first '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><a href=\"https:\/\/www.natcocu.org\/contact-us-now\/\" class='avia_image '  aria-label='Overdraftx'><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-1196 avia-img-lazy-loading-not-1196 avia_image ' src=\"https:\/\/www.natcocu.org\/wp-content\/uploads\/2018\/02\/Overdraftx-300x300.png\" alt='' title='Overdraftx'  height=\"300\" width=\"300\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.natcocu.org\/wp-content\/uploads\/2018\/02\/Overdraftx-300x300.png 300w, https:\/\/www.natcocu.org\/wp-content\/uploads\/2018\/02\/Overdraftx-80x80.png 80w, https:\/\/www.natcocu.org\/wp-content\/uploads\/2018\/02\/Overdraftx-36x36.png 36w, https:\/\/www.natcocu.org\/wp-content\/uploads\/2018\/02\/Overdraftx-180x180.png 180w, https:\/\/www.natcocu.org\/wp-content\/uploads\/2018\/02\/Overdraftx-705x705.png 705w, https:\/\/www.natcocu.org\/wp-content\/uploads\/2018\/02\/Overdraftx-120x120.png 120w, https:\/\/www.natcocu.org\/wp-content\/uploads\/2018\/02\/Overdraftx-450x450.png 450w, https:\/\/www.natcocu.org\/wp-content\/uploads\/2018\/02\/Overdraftx.png 720w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-khikf-322dcbc3355081f1e4be378e3b66c1bc\">\n#top 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