OVERDRAFT COVERAGE OPTIONS
find the combination that works for you
Overdraft coverage may help you out if a transaction is going to overdraw your account. Each overdraft coverage option we offer has a little bit different rules, so you'll want to check out the details below. Keep in mind you can choose the combination of protection options that works best for you! It's not an all or nothing sort of deal.
|Transfer from another Capital deposit account||$5 fee per transfer|
|Transfer from Kwik Cash line of credit||Subject to interest|
|Premium Overdraft||$26 insufficient fund fee per item|
These options apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or line of credit you have at Capital Credit Union for a finance charge. Please note that overdraft lines of credit are subject to credit approval.
This option allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Premium Overdraft is available as secondary coverage if the overdraft protection source is exhausted. Please review the “What Else You Should Know” section at the bottom of this page for more details.
|Transaction Covered with Premium Overdraft||
(No action required)
(Your consent required for consumer accounts)*
|ACH - Automatic Debits||X||X|
|Recurring Debit Card Payments||X||X|
|Online Bill Payments||X||X|
|Teller Window Transactions||X||X|
|Everyday Debit Card Transactions||X*|
*If you choose Extended Coverage, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage.
Interested in Extended Coverage?
Make the move now online with the
Extended Coverage Consent Form
You can also: