While we always try our best to keep tabs on our checking account balance, sometimes we make an error and need overdraft protection. SECU offers two overdraft options:

Share to Share Draft Transfer

We will automatically transfer the funds needed from your savings to clear an item coming through your checking. There is no fee for this service for the first 6 transfers during a calendar month. If you exceed 6 automatic transfers during a calendar month, you will be assessed a $1.00 fee per transfer.

Courtesy Pay

This service will allow your checking account balance to go below zero, up to $400.00.* You must bring your account to a positive balance within 30 days or you will lose this option. There is a $25.00 fee for each item that causes your balance to become negative, so there are no fees unless you use it. Its a great cushion for emergencies.

We can set up your account to have either or both of these overdraft options and you may also change your coverage at any time.

*Does NOT apply to ATM/Debit Card transactions.