Overdraft Protection
YOU CAN OPT-IN OR OPT-OUT OF OVERDRAFT SERVICES AT ANYTIME.
By default, your checking account includes Courtesy Pay coverage for checks, ACH transactions, and bill payments. This means that if your account balance isn’t enough to cover one of these transactions and your account meets the eligibility requirements, we will pay it for you—up to a limit of $500.
If you would like a different overdraft option, or, if you'd like additional courtesy pay coverage, you can opt in to one of the following options:
If your checking account balance isn’t enough to cover a transaction, we can automatically transfer funds from your savings account to cover the difference.
- Available for all checking accounts
- A $5 transfer fee applies per transaction
- Can be set up by calling us or stopping by a branch
This is a great option if you want a simple, automatic safety net without relying on credit.
Link your NSFCU credit card to your checking account for fee-free overdraft protection. If your balance falls short, we’ll advance the necessary funds from your credit card to cover the transaction.
- No transfer fees
- Can be set up by calling us or stopping by a branch
- Don’t have an NSFCU credit card? Apply online today.
This option ensures your purchases go through without unexpected fees.
To cover everyday debit card purchases and ATM withdrawals, you must opt in to this additional coverage.
- A per-item fee applies when Courtesy Pay is used (see fee table below).
- Payments are not guaranteed—we pay overdrafts at our discretion based on eligibility requirements.
If we do not authorize and pay an overdraft, the transaction will be declined.
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Courtesy Pay Fees
We use a tiered-based fee structure for Courtesy Pay, meaning the fee amount is determined by the dollar amount of the of the overdraft.
|
Overdraft Amount |
Fee |
|
$5.01 - $10.00 |
$5.00 |
|
$10.01 - $15.00 |
$10.00 |
|
$15.01 - $20.00 |
$15.00 |
|
$20.01 - $25.00 |
$20.00 |
|
Over $25.00 |
$25.00 |
FAQs
Not every account qualifies for Courtesy Pay. You may not be eligible if:
- You are under 18 years old
- You have a loan that is more than 30 days past due
- You have a savings account with a negative balance for more than 30 days
- Your account is a business account (Courtesy Pay is only available for personal checking accounts)
- Your membership is less than 31 days old
- Your checking account is less than 31 days old
If you have questions about your eligibility or need help with your account, contact us—we’re happy to help!
Link your NSFCU credit card to your checking account for fee-free overdraft protection. If your balance falls short, we’ll advance the necessary funds from your credit card to cover the transaction.
- No transfer fees
- Can be set up by calling us or stopping by a branch
- Don’t have an NSFCU credit card? Apply online today.
This option ensures your purchases go through without unexpected fees.
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Ways to Avoid Overdrafts
Set Up Account Alerts
Enable balance and transaction alerts in Online Banking or the Mobile App to get real-time updates when your balance is low.
Track Your Spending
Regularly review your transactions to ensure you have enough funds for upcoming payments. Our mobile app makes it easy to check your balance on the go.
Consider Direct Deposit
Having your paycheck or recurring income deposited directly into your checking account can help ensure your balance stays positive.
Create a Budget
Creating a budget can help you manage your money more effectively and avoid overspending. For help creating a budget visit our partner Green Path.
You've Got Options
Ways to Cover Overdrafts
Transfer from Your Savings
($5 per transfer)
Link your checking account to your savings account, and we’ll automatically transfer funds to cover an overdraft.
Link to a Credit Card
(free)
Connect your checking account to your NSFCU credit card, and we’ll cover any overdrafts at no cost to you.
Courtesy Pay
(varies)
With Courtesy Pay, we may cover your overdraft (up to $500), helping you avoid declined transactions.
Have You Heard About our Fee Holiday?
We know that unexpected expenses can happen, and sometimes you just need a little breathing room. That’s why we offer a Fee Holiday Program, giving you the opportunity to have 3 Courtesy Pay or NSF fees refunded every calendar year.
If you’ve been charged an overdraft fee and could use some relief, reach out to us to see if you qualify for a Fee Holiday. It’s just one more way we’re here to help you stay on track financially.
Call us or stop by a branch to learn more!
Need to Set Up Overdraft Protection?