Skip to main content

Main Header

Enter a term to load popular Topics & and Help results...

View all # Search Results
Go back to the search field

Important Notifications

Branch Services Notification

Hours and service availability are updated regularly based on regional conditions. Please visit our branch services page to plan your visit.

Dismiss Branch Services Notification

Accellion Data Breach

Have questions about the Accellion data breach reported by the State Auditor’s Office? Learn how to protect your account.

Dismiss Accellion Data Breach

Overdraft Protection Options - FAQs

1 minute read

Frequently Asked Questions about Overdraft Protection

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

Product/Service

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.


Product/Service

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


Product/Service

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.


Product/Service

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.

Disclosures

1Refer to Savings and Checking Fee Schedule for current fees

2Electronic payments include Automated Clearinghouse (ACH) items and recurring bill payments.

3See our Courtesy Pay Policy for full details.

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

Your perspective is important to us and helps us see where we’re hitting the mark and where there might be areas to improve.