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What You Need To Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdraft practices that come with your account.
2. We also offer overdraft protection plans, such as a link to a savings account or line-of-credit loan, which may be less expensive than our standard overdraft practices. To learn more, visit our website home page at hcffcu.org and click on the Accounts tab, under Checking, click on Overdraft and Courtesy Pay Options.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

1. Share drafts/checks, and other transactions made using your checking account number
2. ACH transactions
3. Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

1. ATM transactions
2. One-time, everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if HCFFCU pays my overdraft?

Under our standard overdraft practices:

1. We will charge you a NSF fee each time we pay an overdraft.
2. There is a daily maximum of five (5) overdraft fees that applies to each product with paid overdrafts.

For our current fees, please visit our website.

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