Overdraft Protection

Unforeseen circumstances happen to us all and usually at just the wrong time!  Your car breaks down on Wednesday and you don't get paid until Friday. You make an honest mistake in your checkbook and it leaves you a "little short" to cover all your outstanding checks.  Members Exchange Credit Union has an overdraft protection plan to fit your needs........Overdraft Protection using Members Exchange Credit Union Savings Account or Line of Credit.

Overdraft Protection using a Members Exchange Credit Union Savings or Line of Credit
If you have ever overdrawn your checking account, you've experienced the embarrassment, inconvenience and expense of bounced checks. You can protect yourself and your credit record by establishing Overdraft Protection on your checking account.

     • You can designate a Savings or a Line of Credit. Then, if you overdraw your checking account, the overdrawn amount will be transferred from the designated account.
     • Record keeping is easy because you receive a notice whenever overdraft protection has been activated.
     • Overdraft Protection applies to checks, ATM and Check Card Transactions, and automatic payments.  Does not apply to online banking transactions, Bill Pay or audio response payment/transactions.