Overdraft Protection Options - FAQ
1 minute read
Can I use other accounts I have with WSECU to cover overdrafts?
Yes. Your WSECU savings account(s) and/or other checking accounts you have with us are eligible.
Can I use my Money Market Account to cover overdrafts?
No – Money Markets are not eligible.
What are my other options?
- Visa® credit card (subject to credit approval)
- Personal line of credit (subject to credit approval)
- Courtesy Pay
How does overdraft work for different products WSECU offers?
Any savings account or other checking accounts you have with WSECU
- Features
Transfers in $100 increments. Fee per occurrence1 - How it works
Transfers occur automatically when funds are needed - How to request it
Call us or stop by to set it up
Visit our Overdraft Services page for more information.
Courtesy Pay
- Features
Fee per occurrence1. Available on checks, electronic payments2, ATM and debit transactions. - How it works
Transaction coverage occurs when funds are needed3. - How to request it
Coverage is automatic for checks and electronic payments. Opt in required for ATM and everyday debit card transactions
Line of credit
- Features
Transfers in $25 increments. Interest accrues on balance. Pre-established limit to draw on. - How it works
Transfers occur automatically when funds are needed. - How to request it
Requires loan application. Subject to credit approval.
Visa credit card
- Features
Fee based on amount advanced4. Pre-established limit. Transfers in $25 increments. - How it works
Transfers occur automatically when funds are needed. - How to request it
Requires loan application. Subject to credit approval.