Savings & Checking

Overdraft Protection

Print Page Content

Don't run the risk of embarrassing moments with payees. Protect yourself from accidental overdraft on your checking account.

Overdrafts occur when there are not enough funds in your checking account to cover a check, an ATM withdrawal, or a debit purchase.

Overdraft Line of Credit

When you open an EPFCU Checking Account, you can establish a Line of Credit to be used as overdraft protection on the account. We will issue a loan advance to cover the overdraft. If your line of credit has reached its limit, we will attempt a transfer from your savings and your account will be charged a $2 fee. You can also access your line for large or special purchases.
Get started today:

Overdraft Privilege

If your account is short when an item is presented for payment, we will first attempt to transfer from your savings to cover the item, not to exceed the six transfers per month limit under Regulation D.

When you opt in for our Overdraft Privilege service, we may pay your overdraft checks up to a predetermined amount, as well as overdrafts created from everyday ATM and debit card transactions. Your account will be assessed our standard $30 fee for handling of each item paid, however, you will avoid the embarrassment of being turned away at the cashier or incurring additional merchant fees for returned checks.

If you do not opt in for Overdraft Privilege, we will not honor the overdraft and your account will be charged a $35 per item NSF fee. Don't risk it. Sign up today.

Opt In for Overdraft Privilege via one of the following: