Overdrafts can happen to the best of us.That’s why at LA Financial Credit Union, we provide Overdraft Privilege—to cover those “little mistakes,” whether you pay by check or VISA® Debit Card.

You must first request Overdraft Privilege in order to receive this service on ATM or everyday VISA® Debit Card transactions.

There is no charge to set up or maintain this protection. In fact, if you OPT IN for Overdraft Privilege, we will allow transactions up to negative $10 before an overdraft fee is charged. In either event, your payment will be honored and you will avoid a fee or penalty from the merchant as well. But you must first OPT IN for this service.


If you do not OPT IN, your Debit Card will be denied if you do not have enough money for the transaction. Overdraft Privilege  means your Debit Card will be approved, even if you don’t have the funds in your account, allowing you to be negative up to $600.

You have the right to change your mind at a later time. To change you selection, visit your local branch or call us for the appropriate form.
If you have any questions, please contact a representative at 800.894.1200.