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Overdraft Services

5 minute read

About Overdraft Services

Our overdraft services provide you with protection and funding alternatives for those times when your checking account doesn’t have the sufficient amount for a transaction. Overdraft Protection works by tying your checking account to other WSECU accounts and allows you to withdraw from those other sources when necessary. Courtesy Pay provides an additional safety net. When your checking account comes up short, we can help keep you covered.

Overdraft Protection

Overdraft Protection links your checking account to your other eligible WSECU accounts and uses the additional available balance to cover transactions when needed.

How it works

Overdraft Protection automatically transfers money from your linked WSECU accounts to cover the overdraft amount for a fee1. No fee is charged for advances from a Personal Line of Credit.

Eligible Accounts

WSECU savings and checking accounts, credit cards and Personal Line of Credit accounts are eligible to cover overdrafts.

Courtesy Pay

WSECU automatically covers outstanding checks, in-person withdrawals, return deposit items and electronic transactions through Courtesy Pay when you maintain qualifying deposits. You can also opt in to allow Courtesy Pay to cover your ATM and everyday debit card transactions.

How it works

If your checking account is about to be overdrawn and no other overdraft protection options (e.g., savings account, Personal Line of Credit or Visa® line of credit) are available, Courtesy Pay kicks in. Instead of being declined, transactions that are within your established limit will clear. A $27.00 fee will be charged each time we pay an overdraft with Courtesy Pay. There is a daily cap of five (5) fees charged. If the overdrawn amount is less than $3.00, no fee will be charged.

It’s flexible

Courtesy Pay limits are subject to change monthly and are determined by the length of time you've had your WSECU account and by the deposits made to your checking account in the past two months. You can view your limit any time in Online Banking.

How to request it

Courtesy Pay is automatic for checks and electronic payments. You must opt in for ATM and everyday debit card transactions.

Alternative Options

Give us a call or visit a branch to explore other options that may best suit your financial needs, including:

  • Q-Cash loan (no credit check required)
  • Home Equity Loan/Line of Credit

Have questions? We’re here to help! See our FAQs below, give us a call or visit a branch today.

Frequently Asked Questions

Yes – WSECU savings and checking accounts, credit cards and Personal Line of Credit accounts are eligible to cover overdrafts.

No – Money Markets are not eligible.

We send a notice each time Courtesy Pay covers a transaction. At that time, you'll need to make a deposit to clear the overdraft. Your account must be brought positive at least once every 35 days.

We will not pay an overdraft if your limit has been reached, suspended or revoked.

A $27.00 fee is charged each time WSECU pays an overdraft with Courtesy Pay. There is a daily cap of five (5) fees for overdrafting your account. If the negative account balance is less than $3.00, no fee will be charged.

Disclosures

Avoiding Overdraft Fees


Are overdraft fees bringing you down?

Don’t let your money go to waste! Overdraft fees may seem like a minor inconvenience, but they can really add up over time. Learn more about these fees and how you can avoid them.

Learn more


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