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Overdraft Protection


Checking Accounts > Overdraft Protection

Overdrafts:  overdrafts occur when there are not enough funds in a checking account to cover a transaction or withdrawal but we pay it anyway.  Without Overdraft Protection, these items could be denied and/or returned.  A $30.00 NSF fee will be charged by the credit union and the merchant will also likely impose additional fees.

Account Management:  the best way to minimize exposure to overdrafts is to actively manage your checking account by

  • Maintaining a monthly budget.
  • Signing up for Online Banking to view balances and transactions.
  • Setting up email/text notifications.
  • Reconciling your checking account on a timely basis.

Overdraft Protection Plans:  AMOCO offers three overdraft protection plans: 

  • 1:  Standard Overdraft Protection:  your checking account can be linked to a saving account or line of credit loan. There is a $1.00 charge for these transfers to cover overdrafts and an applicable interest will be incurred on the outstanding balance on your line of credit loan. 
  • 2:  Courtesy Pay Protection (must meet credit union qualifications):  you authorize the credit union to overdraft your checking account to cover check and ACH transactions up to negative $500 at a cost of $30 for each overdraft.
  • 3:  Courtesy Pay Protection Plus (must have Courtesy Pay Protection):  you authorize the credit union to overdraft your checking account to cover your check and ACH transactions PLUS debit card and ATM transactions up to negative $500 at a cost of $30 for each overdraft.

 

 



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