Hoosier Hills Credit Union Has You Covered
Overdraft Protection allows you to pull funds from accounts of your choosing to cover your Checking Account in case of an overdraft. There is no transfer fee for most accounts. Overdraft Protection linked through Money Market accounts and lines of credit are subject to existing fees and interest.1
Overdraft Privilege Standard Coverage is an optional service which allows you to overdraw your account for a $33 per transaction fee for all transactions, with the exception of ATM and debit card transactions, after funds from linked accounts are exhausted.
Overdraft Privilege Extended Coverage carries all of the same coverage as Overdraft Privilege Standard Coverage, but also covers everyday ATM and debit card transactions. This allows you to complete transactions that might otherwise be denied for lack of funds for a $33 per transaction fee.
- Overdraft Protection and Overdraft Privilege may help you avoid costly returned check fees
- There is no fee for Overdraft Privilege unless you use it
- The type of coverage is up to you!
Opt in to Overdraft Coverage
The choice is yours! Click to complete and electronically submit the form to opt in!Opt In
1Lines of Credit and Money Market Accounts linked to Overdraft Protection are subject to their regular fees and interest.
Accounts will be charged the standard Overdraft fee of $33.00 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $33.00 for items returned. If your account balance remains overdrawn for longer than 30 days, the account will be charged an additional fee of $33.00. An overdrawn balance must be repaid within 32 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of 24 hours, if you default on any loan or other obligation to Hoosier Hills Credit Union or if your account is subject to any legal or administrative order or levy.