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Overdraft Protection

Set up your account, your way: With Overdraft Protection options.

Overdraft Transfer Plan

When you set up Overdraft Transfer Plan, CEFCU will automatically transfer money into your Business Checking account (if funds are available) to cover overdrafts.

Overdraft Transfers can be made from your:

  • Business Savings account ($50 increments)
  • Business Insured Money Market Account (IMMA; $200 increments)
  • CEFCU Business Credit Mastercard® ($100 increments)
  • Business Line of Credit* ($200 increments)

We'll make the transfer and you won't pay a fee! It's a win-win.

Set Up Overdraft Transfer

Overdraft Protection**

Every CEFCU Business IMMA and Business Checking account is automatically enrolled in Overdraft Protection.

With this protection, CEFCU can choose (at our discretion) to pay overdrafts from checks, electronic transfers, and similar transactions. This can save you money on merchant overdraft fees. There is a $30 fee for each item CEFCU pays for you with this service. If you don’t use this service, you won’t pay a fee.

Features & Benefits

Checking Account

Enjoy options for CEFCU Checking.

Online Banking

Check balances, transfer money, and more 24/7.

Debit Card

Get cash and make purchases worldwide.


Use over 30,000 fee-free ATMs.

*Application and approval are required to obtain a Business Line of Credit. To learn more about Business Lines of Credit, visit our Business Loans page.

**You must repay any overdrawn balance on your Checking account immediately upon notification of the overdraft by depositing the necessary funds into your Checking account. Failure to repay overdrafts in a timely manner will result in account closure.