An overdraft occurs when the balance of your checking account is negative, resulting from writing a check or checks for an amount totaling more than the balance on deposit. 

When this occurs your checks are returned non-sufficient funds (NSF) and you are assessed an NSF fee.  To view our Schedule of Fees and Charges, click on our Forms & Disclosures page.

To avoid this fee, you can get overdraft protection from LA Financial Credit Union and Havasu Community Credit Union.  Automatic overdraft protection from savings is available for all Checking Accounts with a signed written request sent to your branch.

An Overdraft Line of Credit Loan (LOC) is available on approved credit.


With overdraft protection, when an overdraft occurs, funds are automatically transferred to cover the negative balance. Choose from Line of Credit or Savings. 

To sign up for overdraft protection contact us today.