{"id":18510,"date":"2022-12-07T09:22:02","date_gmt":"2022-12-07T16:22:02","guid":{"rendered":"https:\/\/www.iccu.com\/services\/proteccion-contra-descubiertos\/"},"modified":"2025-03-24T12:37:51","modified_gmt":"2025-03-24T18:37:51","slug":"overdraft-protection","status":"publish","type":"page","link":"https:\/\/www.iccu.com\/es\/services\/overdraft-protection\/","title":{"rendered":"Protecci\u00f3n contra descubiertos"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-green-color has-text-color\" id=\"h-get-the-protection-you-deserve\">Consigue la protecci\u00f3n que mereces<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">\u00bfQu\u00e9 es un sobregiro? Se produce un sobregiro cuando no tienes suficiente dinero en tu cuenta para cubrir una operaci\u00f3n, pero la pagamos de todos modos. ICCU puede cubrir tus sobregiros de dos formas distintas. Tenemos la protecci\u00f3n est\u00e1ndar contra sobregiros que viene con tu cuenta. Tambi\u00e9n ofrecemos protecci\u00f3n adicional contra sobregiros, como una vinculaci\u00f3n a una cuenta de ahorros o a una l\u00ednea de cr\u00e9dito, que puede ser menos costosa que nuestra protecci\u00f3n est\u00e1ndar contra sobregiros.    <\/p>\n\n\n\n<p class=\"has-lg-font-size\">Te mereces lo mejor, por eso te ofrecemos lo mejor. Echa un vistazo a algunas de las ventajas de la protecci\u00f3n contra sobregiros:<\/p>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li><strong>Seguridad a\u00f1adida<\/strong> &#8211; Puede proporcionarte fondos cuando necesites dinero o pagar gastos inesperados<\/li>\n\n\n\n<li><strong>Ofrece comodidad<\/strong> &#8211; Puede proporcionar cobertura ininterrumpida para las compras con tarjeta de d\u00e9bito cuando<br\/>carezcas de fondos suficientes.<\/li>\n\n\n\n<li><strong>Elimina la verg\u00fcenza<\/strong> &#8211; Ayuda a evitar la incomodidad de que un comerciante rechace tu transacci\u00f3n<br\/><\/li>\n<\/ul>\n\n\n\n<p class=\"has-lg-font-size\">Optar por la protecci\u00f3n contra sobregiros es gratuito. Cuando abras tu cuenta de cheques en ICCU, se te preguntar\u00e1 si quieres que ICCU autorice y pague los sobregiros de tus transacciones en cajeros autom\u00e1ticos y con tarjetas de d\u00e9bito de uso diario. <\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.iccu.com\/es\/contact\/\">Contacta con nosotros<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-black-color has-text-color\" id=\"h-overdraft-protection-options\">Opciones de protecci\u00f3n contra sobregiros<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Tipo de transacci\u00f3n<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Programa est\u00e1ndar de descubierto<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Protecci\u00f3n adicional contra sobregiros <\/strong><br\/>(Si optas por ella)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Cheques personales<\/td><td class=\"has-text-align-center\" data-align=\"center\">S\u00ed<\/td><td class=\"has-text-align-center\" data-align=\"center\">S\u00ed<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ACH\/Electr\u00f3nico<\/td><td class=\"has-text-align-center\" data-align=\"center\">S\u00ed<\/td><td class=\"has-text-align-center\" data-align=\"center\">S\u00ed<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Transacciones en cajeros autom\u00e1ticos<\/td><td class=\"has-text-align-center\" data-align=\"center\">No<\/td><td class=\"has-text-align-center\" data-align=\"center\">S\u00ed<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">PIN de la tarjeta de d\u00e9bito<\/td><td class=\"has-text-align-center\" data-align=\"center\">No<\/td><td class=\"has-text-align-center\" data-align=\"center\">S\u00ed<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Pin de la tarjeta de d\u00e9bito<\/td><td class=\"has-text-align-center\" data-align=\"center\">No<\/td><td class=\"has-text-align-center\" data-align=\"center\">S\u00ed<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-xs-font-size\">Para ver las comisiones por sobregiro y el plazo en el que debes reembolsar cualquier sobregiro, consulta el <a href=\"https:\/\/www.iccu.com\/file\/account-agreement.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Contrato de Cuenta<\/a>.<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Consigue la protecci\u00f3n que mereces \u00bfQu\u00e9 es un sobregiro? Se produce un sobregiro cuando no tienes suficiente dinero en tu [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":17107,"parent":18454,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"product-detail-page.php","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-18510","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.8 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Protecci\u00f3n contra descubiertos - ICCU<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.iccu.com\/es\/services\/overdraft-protection\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Protecci\u00f3n contra descubiertos\" \/>\n<meta property=\"og:description\" content=\"Consigue la protecci\u00f3n que mereces \u00bfQu\u00e9 es un sobregiro? 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