Overdraft Protection Options

Product/Service Benefits Features How do I get this? How does it work?
Any WSECU savings account or other WSECU checking accounts on which you are the accountholder (Money Market Accounts excluded)
  • Peace of mind
  • Cost effective overdraft option
  • Saves time
  • Convenient
  • Transfers in $100 increments
  • $5 fee
  • Maximum 6 transfers from a saving account per month1
Let us know which accounts you'd like to use for overdraft protection and maintain a balance in those accounts. Transfers occur automatically when funds are needed
Overdraft Privilege (ODP)
  • Peace of mind
  • Reduces additional expense2
  • Saves time
  • Convenient
  • $27 fee per occurrence
  • Available on checks, electronic payments3, ATM and debit transactions
  • Coverage is automatic for checks and electronic payments
  • Opt in required for ATM and everyday debit card transactions   
Transaction coverage occurs automatically when funds are needed
Line of credit
  • Peace of mind
  • Cost effective overdraft option
  • Convenient
  • Transfers in $25 increments
  • Interest accrues on balance
  • Pre-established limit to draw on
Requires application for service and subject to credit approval Transfers occur automatically when funds are needed
Visa® credit card
  • Peace of mind
  • Convenient
  • Fee based on amount advanced4
  • Pre-established limit
  • Transfers in $25 increments
Requires application for service and subject to credit approval Transfers occur automatically when funds are needed

1Refer to Membership and Account Agreement for information on transaction limitations.

2Additional expense related to return item fees at the merchant level.

3Electronic payments include Automated Clearinghouse (ACH) items and recurring bill payments.

4Cash advance fees apply. Refer to Important Credit Card Disclosures.