What can I do if I am frequently experiencing overdrafts on my accounts?

If you are seeking information or assistance in creating a budget or would like financial counseling, you are eligible for these services free of charge through our partners at BALANCE Financial Fitness. Simply visit BALANCE at www.balancepro.net, call 1 (888) 456-2227, or contact RCU for a referral.

You may also consider applying for an Overdraft Line of Credit. An Overdraft Line of Credit is an loan you may access when you do not have sufficient funds in your checking account. If you have an Overdraft Line of Credit and you are in a situation in which you do not have sufficient available funds in your checking account to pay a transaction, additional funds will automatically be advanced in $100 increments to your checking account from the line of credit up to the established credit limit. Because this is a loan, daily interest is charged on the outstanding balance. If there is no balance, no interest or fees are assessed.  Click on Lines of Credit for more information or to apply online.