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Overdraft Protection

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Overdraft Protection

What is it?

Courtesy Pay is a service you have with your checking account that allows us to cover your insufficient funds items on checks and ACH transactions, up to $500. If you would like us to authorize and pay ATM and everyday debit card transactions, you will need to authorize us to do so.

How it works:

An overdraft occurs when you do not have enough money in your checking account to cover a transaction. Instead of returning your transaction, courtesy pay kicks in and pays that transaction for you. You will be charged $32 for each covered overdraft transaction.

Circle Federal Credit Union can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plan, such as a link to a savings account, which may be less expensive than our standard practices.

Authorize and Pay Overdrafts on my ATM and Everyday Debit Card Transactions

If you want to authorize and pay overdrafts on ATM and everyday debit card transactions, call 269-684-6005, or click below to complete the form.

Authorize Overdraft Protection Form