{"id":3603,"date":"2022-12-07T09:22:02","date_gmt":"2022-12-07T16:22:02","guid":{"rendered":"https:\/\/www.iccu.com\/?page_id=3603"},"modified":"2026-01-28T17:16:17","modified_gmt":"2026-01-29T00:16:17","slug":"overdraft-protection","status":"publish","type":"page","link":"https:\/\/www.iccu.com\/services\/overdraft-protection\/","title":{"rendered":"Overdraft Protection"},"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\">Get The Protection You Deserve<\/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\">What is an overdraft? An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. ICCU can cover your overdrafts in two different ways. We have standard overdraft protection that comes with your account. We also offer additional overdraft protection, such as a link to a savings account or line of credit, which may be less expensive than our standard overdraft protection.<\/p>\n\n\n\n<p class=\"has-lg-font-size\">You deserve the best, so we offer the best. Check out just a few benefits of overdraft protection:<\/p>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li><strong>Added Security<\/strong> \u2013 May provide funds when you need money or pay unexpected expenses<\/li>\n\n\n\n<li><strong>Offers Convenience<\/strong> \u2013 May provide uninterrupted coverage for debit card purchases when you<br>lack sufficient funds<\/li>\n\n\n\n<li><strong>Eliminates Embarrassment<\/strong> \u2013 Helps avoid the awkwardness of a merchant declining your<br>transaction<\/li>\n<\/ul>\n\n\n\n<p class=\"has-lg-font-size\">When opening a checking account with ICCU, you&#8217;ll be asked to choose your preferred overdraft options\u2014including whether you&#8217;d like ICCU to authorize and cover overdrafts on ATM and everyday debit card transactions. Enrolling in our overdraft program is free and fees only apply if you use the service.<\/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\/contact\/\">Contact Us<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\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\">Overdraft Protection Options*<\/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>Transaction Type<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Standard Overdraft Program<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Additional Overdraft Protection <\/strong><br>(If you opt-in)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Personal Checks<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ACH\/Electronic<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">ATM Transactions<\/td><td class=\"has-text-align-center\" data-align=\"center\">No<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Debit Card<\/td><td class=\"has-text-align-center\" data-align=\"center\">No<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/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\">*We encourage you to review the &#8220;Understanding and Avoiding Overdraft and Nonsufficient Funds (NSF) Fees&#8221; section (starting on pg. 3) and the &#8220;Fees and Charges Schedule&#8221; (pg. 15) in our <a href=\"\/file\/account-agreement.pdf\">Membership and Account Agreement<\/a> to learn more about our program.\u200b<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Get The Protection You Deserve What is an overdraft? An overdraft occurs when you do not have enough money in [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":4739,"parent":31,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"product-detail-page.php","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-3603","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>Overdraft Protection - 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\/services\/overdraft-protection\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Overdraft Protection\" \/>\n<meta property=\"og:description\" content=\"Get The Protection You Deserve What is an overdraft? 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