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Overdraft Protection Plans

We understand oversights happen, that’s why we offer Overdraft Protection. This service gives you the flexibility you need to manage your money with peace of mind when you face an emergency or unexpected expenses. Think of it as your very own safety bubble.

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Funds Availability

Account Management

Stay Up-To-Date On Your Balances.

The best way to minimize exposure to overdrafts is to actively manage your checking account by: 

  • Maintaining a monthly budget
  • Register for Online Banking to view balances and transactions
  • Set-up Account Alerts
  • Reconcile your checking account on a timely basis.
Buy Or Sell With Confidence

Standard Overdraft Protection

Protect Your Checking Account.

Your checking account can be linked to a savings account or a signature line of credit. The credit union will charge a fee of $1.00 per transfer if funds are available to cover an overdraft. Applicable interest will be incurred when standard Overdraft Protection is used from a Line of Credit loan.

Money with a protection lock

Courtesy Pay

Your Own Little Safety Bubble.

This service allows the credit union to overdraft your checking account to cover checks and ACH transactions when all other funding sources are exhausted. The credit union will charge a fee of $30.00 for each overdraft and may pay your item(s) up to $530.00 (including fees), which will save you additional fees charged by merchants for returned checks or ACH transactions.

Standard Practices for Courtesy Pay:

  • You will only pay a fee if and when you use the service.
  • The Courtesy Pay fee will be waived if the amount of overdraft leaves your account balance negative $10.00 or less.
  • The credit union will charge a fee of $30.00 each time we pay an overdraft.
  • There is no limit of fees per day we will charge.
  • The Courtesy Pay limit is $530.00 (including fees).
Protect Investments

Courtesy Pay Plus

Protect Your Debit Card.

This protection plan requires your authorization. This service will add an additional layer of coverage to Courtesy Pay, by allowing the credit union to overdraft your checking account to cover debit card and ATM transactions when all other funding sources are exhausted. The credit union will charge a fee of $30.00 for each overdraft and may pay/authorize your item(s), debit card and ATM transactions up to $530.00 (including fees). To opt in visit a branch location near you or call us at 800.231.6053.

Standard Practices for Courtesy Pay Plus:

  • You will only pay a fee if and when you use the service.
  • The Courtesy Pay fee will be waived if the amount of overdraft leaves your account balance negative $10.00 or less.
  • The credit union will charge a fee of $30.00 each time we pay an overdraft.
  • There is no limit of fees per day we will charge.
  • The Courtesy Pay limit is $530.00 (including fees).

The credit union pays overdrafts at its sole discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined and you will be charged a $30.00 NSF fee. The credit union may revoke your Courtesy Pay/Courtesy Pay Plus privileges at any time.

External Link Disclosure

By accessing this link, you will be leaving AMOCO FCU's website and entering a website hosted by another party.

Although AMOCO has approved this as a reliable partner site, please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the credit union's website. The other party is solely responsible for the content of its website.

We encourage you to read and evaluate the privacy and security policies on the site you are entering, which may be different than those of the credit union.

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