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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 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.
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.
Features & Benefits
Checking Account
Online Banking
Debit Card
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.