Tools & Information

Keep the Convenience of Overdraft Protection for Your Debit Card

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.

We can cover overdrafts in two different ways:

  • We have a special overdraft practice that comes with your account. This is called Member Overdraft Privilege.
  • We also offer standard protection plans, such as a link to a savings account, which may be less expensive than our special overdraft practices. Any employee can tell you more about these plans.

What is the special overdraft practice for accounts?

Currently we authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments
  • Debit Card transactions
  • ATM transactions

We will only authorize and pay overdrafts on the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We will not authorize and pay overdrafts for the following types of transactions unless you request this coverage:

  • Debit Card transactions
  • ATM transactions

Call us to keep the convenience you have today!

You can keep the convenience of overdraft protection for your Cebit Card and ATM transactions. You just need to let us know.

If you do not authorize us to do so, we will not authorize and pay overdrafts for Debit Card and ATM transactions.

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Associated CU pays my overdraft?

Under our special overdraft practices:

  • We will charge you a fee of $30 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account.

What if I want you to authorize and pay overdrafts for my Debit Card transactions?

  • Login to Online Banking and select Secure Forms, Make your choice on our Opt-in for ATM and Debit Card Transaction form and submit it.
  • Visit any of our branches and tell us you wish to opt-in.
  • Call us at 770.448.8200, Ext. 2392. For area codes 229, 478, 706, 762 and 912 inside Georgia, call 800.422.7319. Outside Georgia, call 800.235.3259. CSRA CU members call us at 706.868.2200 or 800.634.1991
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