Overdraft Options Comparison
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Overdraft Account Transfer |
Overdraft Line of Credit |
Standard Overdraft Pay Advantage (OPA)1
with everyday debit transactions |
Standard OPA1 Coverage |
Not Enrolled |
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Available funds from your RCU savings and/or money market account will be automatically transferred to your checking account in the amount needed to cover the transaction. RCU does not charge a fee for this service.
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Available funds from your overdraft line of credit will be advanced in the amount needed to your checking account to cover the transaction.
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Instead of a transaction being returned or declined, RCU may pay the transaction on your behalf.
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Instead of checks, electronic (ACH), and automatic recurring debit card transactions being returned unpaid or declined, RCU may pay those transactions on your behalf.
Everyday debit card transactions will be declined at the point of sale.
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Checks and electronic (ACH) transactions will be returned unpaid.
Automatic recurring debit card payments will be declined.
Everyday debit card transactions will be declined at the point of sale.
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- Checks
- Automatic recurring debit card payments
- Electronic transfers (ACH)
- Everyday debit card purchases
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- Checks
- Automatic recurring debit card payments
- Electronic transfers (ACH)
- Everyday debit card purchases
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- Checks
- Automatic recurring debit card payments
- Electronic transfers (ACH)
- Everyday debit card purchases
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- Checks
- Automatic recurring debit card payments
- Electronic transfers (ACH)
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N/A
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Free.
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Daily interest is charged on the outstanding balance. (If there is no balance, no interest or fees are charged.)
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You are only charged a fee if you use the service.
$14 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.
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You are only charged a fee if you use the service.
$14 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.
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$7 non-sufficient funds (NSF) fee per presentment.
Items may be presented more than once by the originating company/merchant.
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If your designated savings/money market account does not have available funds, the transfer cannot be processed to cover your overdraft.
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If your line of credit does not have at available funds, or if your loan payment is late, the transfer cannot be processed to cover your overdraft.
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Transactions will be paid up to your OPA limit.
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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.
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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.
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Please log in to your account to sign up. Learn how to sign up for Overdraft Account Transfer.
You may also call us at 1 (800) 479-7928 or visit your local branch.
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Apply for a line of credit
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Please log in to digital banking and click the Member Services tab and Overdraft Pay Advantage.
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Please log in to digital banking and click the Member Services tab and Overdraft Pay Advantage.
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Please log in to digital banking and click the Member Services tab and Overdraft Pay Advantage.
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1 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 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.