Skip to main content.
Link to CEFCU Home Page

If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 1.800.633.7077.

Visit our accessibility help page.

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 Checking account (if funds are available) to cover overdrafts.

Overdraft Transfers can be made from your:

  • Savings account ($50 increments)
  • Insured Money Market Account (IMMA; $200 increments)
  • CEFCU Credit Mastercard® ($100 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 IMMA and 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, up to $60 per day maximum. If you don’t use this service, you won’t pay a fee.

Contact CEFCU

Features & Benefits

Checking Account

Enjoy free 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.

*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.