Overdraft Options

Emergencies happen, we’ve got you covered

We currently offer multiple overdraft options on your checking account to protect you from insufficient funds. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in the following ways:

Overdraft Transfers

Based on your instructions, we can link a savings account, FCCU credit card or line of credit to your checking account to cover the transaction when funds are not available.1 As funds are needed in the checking account to cover transactions, we transfer the money between the accounts you have designated. There is a small fee for this service. Please see the fee schedule for current fee information.

Overdraft Privilege (ODP)

Overdraft Privilege is a program that is available to members after your checking account has been open for 60 days if qualifications are met. This allows FCCU to overdraw your checking account in order to pay transactions up to a predetermined limit. A fee is charged each time we pay an overdraft. See fee schedule for current fees. You have a maximum of 30 days to bring the account back into a positive balance status.

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

Special Features

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Convenient Protection

When the privilege is used, we pay the transactions, assess the fee and send you notice of what action we have taken. This is all based on the instructions you have provided on the opt-in notice. You are free to change the instructions at any time.

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Choose your way to pay

Based on your instructions, we can link a savings account, FCCU credit card or line of credit to your checking account for overdraft protection.

You May Be Interested In

Choose your way to pay:

Visa Rewards Credit Card

Set up to use for Overdraft Transfer.

Texans Checking

Up to $700 in Overdraft Privilege.

First Rewards Checking

Up to $500 in Overdraft Privilege.

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