Overdraft Coverage

Mistakes happen. But you can be protected from denied transactions, embarrassment or worse with overdraft protection services from America’s Christian Credit Union.

Linked Account

• Link a savings account to your checking account
• Overdraft items are automatically transferred from savings
• $7.50 daily fee when an automatic transfer is made from a linked savings

Overdraft Line of Credit

• Pre-approved line of credit to cover overdrafts
• No setup or maintenance fees
• Interest only accrues when overdraft occurs
• Limit from $500–$30,000 based on approved credit
• $7.50 daily fee when an automatic transfer is made from an overdraft line of credit

Overdraft Privilege/Overdraft Privilege PLUS

• We may pay overdrafts on your behalf when all other overdraft methods have been exhausted.
• Automatically covered Overdraft Privilege transactions:
  • Written checks
  • Automatic bill payments/ACH transactions
• Transactions not covered unless you request they be covered:
  • ATM transactions
  • One-time debit card transactions
  • You must opt-in by filling out this form to receive Overdraft Privilege PLUS protection on these types of transactions
• $32.50 fee each time we pay an overdraft, up to a maximum of 10 fees per day