No one ever wants to fall short

And you won't when you get financial backup from one of our overdraft protection services. If you happen to overdraw your UCU checking account, your payment will be made by one of these services. You save inconvenience, embarrassment and hassle, not to mention the added expense of non-sufficient funds charges. And if you want a safety net for your debit card purchases, you can get that, too.

Various ways to protect your account


  • Savings to Checking Automatic Overdraft Transfer* uses available funds from your savings account to cover the overdraft (a transfer fee is assessed)
  • Overdraft Privilege1 can pay your checks and ACH items if you don’t have enough money in your account. It helps you avoid additional bounced-check or late payment fees on returned checks or drafts. This discretionary service will be added to your checking account if it qualifies.


  • Optional ATM and Everyday Debit Transaction Coverage helps you avoid the embarrassment of debit card denials at the cash register or ATM. Get added coverage on your account for ATM and everyday debit purchases to ensure your transactions are accepted. (This service is not automatically included on your account. You must complete a sign-up request to add this feature.)

Do you need one backup plan? Two? You can choose multiple options for overdraft protection. Visit us or contact us to sign up.

Member Testimonial

"Great and a very easy experience getting a loan!"

- Barbara M.