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Overdraft Protection

Have you ever bounced a check? It happens to the best of us. Worse than the embarrassment of bouncing a check, other financial institutions charge you an NSF fee, and the business you wrote it to charges you a fee on top of that. Worse yet, what if the check was to a friend or to a relative? We offer three ways to avoid having your item from being returned:

  • If you have a savings account with us, you can arrange to have us automatically transfer,  funds from your savings account to your checking account to cover drafts. A small overdraft transfer fee will be assessed for each item that occurs. See our current rates and fee schedule.
  • Overdraft privilege is available on select accounts that allow you to overdraw your account up to $800.00 which needs to be brought current within 30 days. An overdraft privilege fee of $25.00 will apply for each item overdrawing your account and your item will be paid. Once this limit is reached, items will be returned unpaid and a NSF fee of $25.00 will apply.   Click for more information on SCCU's Overdraft Protection.
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