Overdraft Privilege

Avoid overdrawing your account

Avoid the embarrassment of a bounced check or insufficient funds. If you make an honest mistake balancing your account, have unplanned expenses or run short on cash between paydays, let Overdraft Privilege help you out.

Protect your account today!

Login to Online Banking and complete the Overdraft Enrollment form found under the Account Tools menu.  This will reduce the chance for declined transactions and the potential for multiple merchant fees.

Should an overdraft ever occur, ODP will allow you to complete your transaction. Apple, at its sole discretion, will pay the item(s) up to the authorized Overdraft Privilege limit and charge the account the Credit Union’s standard Non-Sufficient Funds (NSF)/ODP fee of $29 for each item that overdraws the account.

Fee applies to overdrafts created by check, in-person withdrawal, or other electronic means. Checking account can’t remain negative for more than 30 days or Checking account balance must be made positive every 30 days.

We will not pay an overdraft under the following circumstances: 

  • Your account is not in good standing 
  • ATM and point-of-sale transactions if you did not opt-in to their payment and fee.

Overdraft Privilege Opt Out Request

Overdraft Privilege Disclosure

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