Overdraft Fees

What you need to know about Overdrafts and Overdraft Fees
Any overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We 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 plans, such as a link to a share/savings account or overdraft line-of-credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

What are the standard overdraft practices that come with my account?
We do authorize and pay overdrafts for the following types of transactions:

• Share drafts/checks, and other transactions made using your checking account.
• Automatic billpayments.

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

• ATM Transactions.
• One-time debit card 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 the Credit Union pays my overdraft?
Under our standard overdraft practices:

• We will charge you a fee of $25.00 each time we pay an ATM or debit card transaction overdraft.
• There is no limit on the total fees we can charge you for overdrawing your account.

What if I want the Credit Union to authorize and pay overdrafts on my ATM and one-time debit card transactions?
If you want us to authorize and pay overdrafts on ATM and one-time debit card transactions please do one of the following:

1. Fill out the form below and click the submit button.
2. Fill out the form below, print it, and fax it to us at 541.885.5411.
3. Fill out the form below and bring it to your local branch.
4. Call us toll free at 800.570.0265 to register your selection.

You may change your overdraft protection designation for your account(s) at any time.