An overdraft occurs when you don't have enough money in your account to cover a transaction such as a check, debit card purchase, ATM withdrawal, or ACH payment (electronic payment), but we pay it for you anyway.
Overdraft Privilege is a little like having a spare tire in the truck of your car. You don't plan on getting a flat tire, but you're sure glad you have a spare tire there when you do.
We do not authorize and pay overdrafts for those types of transactions unless you ask us to. Please call and ask to speak to a Member Services Representative at one of our branches.