Overdraft Protection is your Safety Net.

1 “ACTUAL BALANCES AND AVAILABLE BALANCES” – As explained in the Membership and Account Agreement there are many circumstances that will affect your access to the funds in your account(s). Many of these transactions are beyond the Credit Union’s control as they are requirements of the payment networks that your transactions are processed through via the merchants with whom you choose to do business. Also, we may place holds on various deposits as explained in the Section in this Agreement on Funds Availability. Thus, your account records may show an “Actual Balance” and an “Available Balance.” The Actual Balance is the total amount of funds in your account(s). The Available Balance is the amount available for additional transactions (withdrawals, write checks, debit transactions, online banking or other authorized transactions). If you exceed the Available Balance (even though the Actual Balance may be greater), you may overdraw your account as new or additional transactions cannot be processed until funds are available for transactions. This may result in Insufficient Funds Transactions, Returned Items, and Fees including Overdraft Service because of exceeding your Available Balance. You can view your Actual and Available Balances via Online Banking, Mobile Banking, visiting a branch, etc. For additional details, please refer to your membership and account agreement.