The types of transactions that can be paid through Overdraft Pay Advantage depend on your level of enrollment:

  • All Services: Checks, electronic (ACH) and recurring debit card transactions, and everyday debit card transactions.
  • Checks and Electronic Transactions Only: Checks, electronic (ACH) and recurring debit card transactions.
  • No OPA Coverage: You will only have transactions paid up to –$5.00 on your account.

Overdraft Pay Advantage can be used to pay your checks, automatic bill payments (such as Automatic Clearing House or recurring debit card transactions), and your everyday debit card transactions. When the service is used, a non-sufficient fund fee is charged (up to the maximum 4 charges per day). After a transaction is paid, you’ll be asked to make a deposit to cover the negative balance in your account immediately, and no later than within 20 days. If your account is not in good standing or you have not made regular deposits into your account, we may not be able to extend Overdraft Pay Advantage services to pay your transaction.

Redwood Credit Union (RCU) offers Members valuable products and services with no or low fees. For select products and services, some fees are assessed as a cost recovery. See our Cost Recovery Schedules for Personal Accounts and Business Accounts for details.