Overdraft Line of Credit

Members with checking accounts are encouraged to apply for and take advantage of an Overdraft Line of Credit to avoid the inconvenience and expense of bounced checks and declined check card purchases. With an Overdraft Line of Credit, funds will automatically be deposited into your checking account to cover your purchase or cleared check in the event it becomes overdrawn. Best of all, there is no transaction fee for this convenient service.

*The Overdraft Line of Credit is a loan.  Advances are made in $100 increments.  A low payment of at least 3% of the total unpaid balance, or $30, whichever is greater, is due once a month.  For your convenience, payments are automatically transferred from your checking account.