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TDECU Overdraft <span class="desktop--nowrap">Protection Services</span>

TDECU Overdraft Protection Services

Protect your checking account against unexpected overdrafts
 

Know your options when you are in a pinch

TDECU provides several different options to ensure your transactions are covered if you have insufficient funds in your checking account. We can cover your overdrafts in three ways:

Automatically transfer funds to your checking account from your <a href=TDECU savings account.' src='' />

Automatically transfer funds to your checking account from your TDECU savings account.

Automatically transfer funds to your checking account from your  <a href=TDECU personal line of credit.' src='' />

Automatically transfer funds to your checking account from your TDECU personal line of credit.

Cover your transaction with Courtesy Pay overdraft protection.

Cover your transaction with Courtesy Pay overdraft protection.

What is an overdraft?

What is an overdraft?

An overdraft occurs when you spend more than you have in your checking account. We understand life is busy and you may lose track of how much money is in your account. And for this reason, we offer several options to make sure you are covered.
What is Courtesy Pay?

What is Courtesy Pay?

Courtesy Pay is TDECU’s overdraft protection service* for checking accounts for the payment of checks, electronic transfers, telephone transfers, preauthorized payments from Bill Pay, recurring debit card transactions, and ACH drafts and debits if your account becomes overdrawn. This optional service offers an added layer of security for accidental overdrafts or inadvertent errors that you might experience from time to time.

Please also keep in mind:

  • A per-transaction fee of $32 will apply when Courtesy Pay is used to cover transactions.
  • Courtesy Pay is not available for Money Market Checking accounts.
  • Federal regulations require that you opt in (provide us with your consent) for Courtesy Pay to allow the payment of everyday non-recurring debit card transactions and ATM transactions.

How does Courtesy Pay work?

You must be over 18 years of age and a member in good standing. Your account must be open for at least 60 days and you are making regular deposits into your account.

Courtesy Pay covers the items listed above* but does not cover ATM transactions and every day non-recurring debit card transactions (such as debit card purchases of groceries, gas, or coffee).

In order for these to be covered, you must OPT-IN and provide us with your consent to allow for their payment.

If you choose to not enroll into Courtesy Pay, and your account is not set up with other overdraft protection services (such as automatic transfers from savings, or a Cash $tash line of credit), then transactions on insufficient funds will be declined at the point-of-sale.

Courtesy Pay covers overdrafts:

  • Up to $200 on Second Chance Checking accounts
  • Up to $600 on Classic Checking accounts
  • Up to $800 on High-Yield Checking accounts

Stay informed and avoid overdrafts

The TDECU Digital Banking app offers several ways for you to stay on top of your finances. Take advantage of the following features to keep your checking account in good standing:
Check your account balance <span class="desktop--nowrap">on the go</span>

Check your account balance on the go

Track spending and create budgets

Track spending and create budgets

Set <a href="/digital-banking/alerts/">balance alerts</a> to avoid overspending

Set balance alerts to avoid overspending

Ready to select your overdraft protection service?

We are here to help you choose the best way to protect your checking account.

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