With TCCU's Overdraft Advance service, we will automatically cover an overdraft on your account, up to $500, and save you the embarrassment and hassles of a returned item. There is no additional cost for this service but you must sign an Opt-In agreement. You will still be charged the $30 non-sufficient funds fee each time you access your Overdraft Advance balance, but your item will be paid and you will avoid the expensive merchant NSF fees while protecting your credit rating.
TCCU will provide you with an added layer of protection against overdrafts - up to $500, if you meet these requirements:
- 18 years or older
- TCCU account has been open for at least 90 days
- Account is in good standing
- Opt-In Agreement is signed and on file
Your existing overdraft protection from your savings account or overdraft loan will remain in place; Overdraft Advance simply gives you an added layer of protection. Once activated, you have 30 days to bring your account current to maintain this service and avoid collection procedures.