Checking with peace of mind

Overdraft Protection

Oversights happen from time to time, but when they involve your Checking account, it’s nice to know there is a safety net available to help. NEFCU offers a variety of options to cover checks, ACH withdrawals and debit card purchases in the event you have insufficient funds in your Checking account.

Courtesy Pay

With Courtesy Pay, eligible members can benefit from an added layer of protection in the event there are insufficient funds to cover checks and ACH withdrawals. NEFCU may pay these items, including any applicable fees, at our discretion, up to a maximum of $500. If you want to extend this option to protect purchases made with your Debit Card, you will need to “opt in” for this service.

Courtesy Pay will only be used after all other sources of overdraft are exhausted. If you have a Savings account Overdraft or SafetyLine of Credit linked to your Checking, funds will be drawn from those accounts first, before activating the Courtesy Pay option.

In the event of an overdraft, we ask that you make a deposit immediately to bring your account to a positive balance. Should you overdraw your account for any reason, a fee will be incurred. To learn more, contact us.

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