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Overdraft Protection

F&A is pleased to provide our members with protection against the occasional overdraft. Our Overdraft Protection services are available for the payment of checks (drafts), preauthorized payments under our Bill Payment Service, and ACH drafts and debits. ATM transactions and one-time debit card transactions are not included.

F&A offers three overdraft options:

  1. Overdraft Transfer Service1
    Transferring available funds from another F&A deposit account to cover the overdraft amount
  2. Using your F&A Visa® Credit Card2
    Transferring available funds from your F&A Visa® Credit Card account to cover the overdraft amount
  3. Courtesy Pay: 
    Your overdraft may be paid by the Credit Union. The amount must be re-paid and a Courtesy Pay Fee will be assessed. For fee information, please see our Schedule of Fees and Charges. There are restrictions and eligibility criteria for Courtesy Pay, which is largely based on the responsible management of an F&A checking account. For information, please see our Deposit Account Agreement And Truth-in-Savings Disclosure.

In our processes, we use something referred to as The Available Balance method. For details about this as well as how we sequence checks presented for payment, and how we handle authorization holds, please see our Deposit Account Agreement And Truth-in-Savings Disclosure.

Overdraft Protection can be a great help and offer peace-of-mind. For more information about F&A Overdraft Protection services, please see our Deposit Account Agreement And Truth-in-Savings Disclosure

To set it up your accounts with overdraft protection, please call 800-222-1226.

And to apply for a low rate F&A Visa Credit Card, go to Online Banking, click All Services and select Loan Application and Status.

1Federal regulations limit these overdraft transfers to six a month. F&A does not charge a fee for this transaction.

2This option is considered a cash advance and interest will accrue immediately.

 

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