USECU Logo

Home Banking
Member Number:

Password:


Forgotten Password
First Time Login

NCUA & Equal Housing


4 Overdraft Protection Options

Bouncing a check can be a costly mistake. Your financial institution charges you a NSF (non-sufficient funds) fee when you overdraw your account. Plus, the company to whom you wrote the check will often charge you a return item fee. Just one bounced check could cost you over $50 in fees – not to mention the embarrassment it can cause!

USECU offers four economical options to protect you from overdrawing your account.

Bullet Use your savings account to cover overdrafts.
When your checking balance is short, USECU will automatically transfer money from the USECU savings account you select to cover the difference. USECU will transfer the exact amount needed to cover your item and charge a minimal transfer fee. Ask a friendly Member Services Representative how to enroll.

Bullet Apply for an Overdraft Line of Credit as overdraft protection. 
When your checking balance is short, we’ll advance the necessary funds from your ODLOC to cover your transactions, up to your credit limit. There is no fee for this service.

Bullet Flex-Line of Credit
Flex-Line of Credit can also be used as a form of overdraft protection, It's always there when you need it. Click here for more information. When your checking balance is short, we’ll advance the necessary funds from your Flex Line of Credit to cover your transactions, up to your credit limit. There is no fee for this service.

Bullet Member Privilege®
Member privilege® is an opt in overdraft provided by USECU. We are not obligated to pay any item presented for payment if your account does not contain sufficient funds; however, as long as your account is active and in “good standing,” we may approve your overdraft items up to your available Member Privilege limit as a non-contractual courtesy. The fee per transaction is equivalent to an NSF fee; however, the item is paid, eliminating merchant return item fees.

Overdrafts are costly, embarrassing and can damage your credit. Avoiding them is simple, sign up for one or all of USECU’s overdraft protection options today.