Overdraft Protection Options - FAQs
• 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.