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Overdraft Pay Advantage options

OPA Options Comparison

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

No coverage.

What does it cost?

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

$19 per presentment.

Items may be presented more than once by the originating company/merchant.

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.

$19 per presentment.

Items may be presented more than once by the originating company/merchant.

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

$9 non-sufficient funds (NSF) fee per presentment.

Items may be presented more than once by the originating company/merchant.

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 and recurring automatic 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?

Please log in to RCU online and click the Member Services tab and Overdraft Pay Advantage.

Please log in to RCU online and click the Member Services tab and Overdraft Pay Advantage.

Please log in to RCU online and click the Member Services tab and Overdraft Pay Advantage.
  • As a courtesy to Members, RCU pays transactions up to a minimum negative balance of $5 with no fee.
  • No more than 4 Overdraft Pay Advantage fees ($76.00 total) may be charged per day.