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Overdraft Protection & Overdraft Privilege

Life happens and we understand that unexpected overdrafts occur from time to time, our overdraft program can help you when this happens.

An overdraft occurs when you make a purchase or ATM transaction but don't have enough money in your checking account (or other designated account) to pay for it. For a fee, we will cover you when you become overdrawn.

Overdraft Protection

Overdraft Protection is your first defense if your checking account becomes overdrawn. With this service, funds are transferred from another linked account of yours (i.e. savings, other checking, or Money Market) to cover overdrafts. When a transaction takes your checking account negative, a transfer is automatically made from the linked account(s) to bring the balance positive.

Overdraft Transfers incur a $5 fee per transfer.

Overdraft Privilege

Overdraft Privilege is a discretionary service allowing TFCU to authorize and pay items when you do not have enough money in your checking or linked account(s) to cover the transaction.

Overdraft Privilege may provide coverage for checks and ACH transactions (i.e. automatic bill payments) and recurring debit card payments. There is a $25 fee per item paid, with this service.

Overdraft Privilege Extended Coverage

The extended coverage is offered in addition to Overdraft Privilege and requires that you opt-in to this service. Extended Coverage extends your standard overdraft privilege to include ATM and everyday debit card transactions. There is a $25 fee per item paid with this service.

If you would like to opt-in to Overdraft Privilege Extended Coverage please click here to complete the form.

Understanding Overdraft Privilege Limits

New checking accounts will receive a $100 Introductory Overdraft Privilege limit at account opening that will be increased to $500 after 30 days open and in good standing.

Overdraft Privilege is a discretionary service and may be suspended if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within 32 days for a minimum of one business day. You must bring your account balance positive for at least one business day to have the Overdraft Privilege limit reinstated.

Other information regarding Overdraft Privilege and Protection

If you have any questions about Overdraft Protection or Overdraft Privilege, please call us at (308) 234-9311 or visit a branch. You can discontinue the Overdraft Privilege in its entirety by contacting us or sending us an email at memberservice@triusfcu.com.

What You Need To Know About Overdrafts and Overdraft Fees

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