Sometimes an unexpected life event or an occasional mistake can leave you short of funds so when you write a check or use your debit card, the money isn’t available in your RCU checking account. With RCU’s Overdraft Pay Advantage (OPA) program, we have you covered if you accidentally overdraw your account.

We provide this service to help on occasions when:

  • You made an honest mistake balancing your account and now you’re short of funds.
  • A deposit you expected was delayed.
  • Unforeseen expenses drained your account balance.

Additional benefits OPA provides:

  • Prevents the embarrassment of a declined debit card transaction or a “bounced” check.
  • Allows you to avoid the additional expense of a merchant’s returned-item charge.
  • Gives you greater flexibility managing your money.
  • Added convenience.

You can change your options at anytime by logging into RCU online banking, click on the Member Services tab and then Overdraft Pay Advantage, or call our Member Service Center at 800-479-7928 or visit one of our Branches.

Your options are below:

 

OPA – All Services

OPA – Checks and Electronic (ACH)
Transactions Only

No OPA Coverage

How does it work?

Instead of a transaction being returned or being declined, RCU may pay the transaction on your behalf.

Instead of a transaction being returned or being declined, RCU may pay the transaction on your behalf.

Checks and Electronic (ACH) transactions will be returned unpaid.

Everyday debit card transactions will be declined at the point of sale or when you swipe and sign.

What does it cover?

  • Checks
  • Automatic recurring debit card payments
  • Electronic transactions (ACH)
  • Everyday debit card purchases
  • Checks
  • Automatic recurring debit card payments
  • Electronic transactions (ACH)
 

What does it cost?

You are only charged a fee if you use the service.

$23 per overdraft

After a transaction is paid by RCU, you’ll be asked to make a deposit to cover the negative balance in your account immediately.

You are only charged a fee if you use the service.

$23 per overdraft

After a transaction is paid by RCU, you’ll be asked to make a deposit to cover the negative balance in your account immediately.

$23 per overdraft

Are there any restrictions?

Transactions will be paid up to your OPA limit.

Everyday debit card transactions will be declined.

If a merchant fails to seek authorization for the full amount, the debit card transaction will be paid without a fee.

Other transactions will be paid up to your OPA limit.

Everyday debit card transactions will be declined.

If a merchant fails to seek authorization for the full amount, the debit card transaction will be paid without a fee.

How do I sign up?

Sign up here

Sign up here

Sign up here

  • As a courtesy to Members, RCU pays transactions up to a negative $5.00 balance with no fee.
  • No more than 6 overdraft fees ($138.00 total) may be charged per day.