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Overdraft Protection

When Overdrafts Happen, Make Sure You're Covered

Mistakes happen. Once in a while there are not enough funds in your checking account to cover all the transactions. But no worries, we have your back. AFFCU’s overdraft protection options will help you to handle these situations and avoid the inconvenience and frustration of late fees and returned check fees.

Overdraft Line-of-Credit

Overdraft Transfer

Courtesy Pay (MAC)

Overdraft Protection Options

Our standard overdraft practices include authorization of payment for checks, bill payments and other transactions made using your checking account number. At your request, we will also extend overdraft protections to your ATM and debit card transactions.

The following overdraft protection options are available. Choose to protect yourself with just one or a combination of all three.

Overdraft Line-of-Credit

Uses an open line-of-credit to cover your overdraft costs

  • Can be tied to your checking account for overdraft protection
  • No fees per overdraft beyond interest accrued on Line-of-Credit balances

Overdraft Transfer

Connects to your savings or money market accounts

  • Money automatically transfers should you not have the funds available in your checking account
  • Saves expense of returned check or late fees from third parties

Courtesy Pay (MAC)

Covers inadvertent overdrafts on your checking account by paying transactions such as checks and debit card purchases up to your courtesy pay overdraft limit.

  • Each overdraft up to the limit incurs a fee
  • Saves expense of returned check or late fees from third parties
  • Overdrawing your account beyond the limit may cause you to incur additional fees.


Contact us to learn more or add overdraft protection to your account

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(410) 584-7474