Overdraft Privilege Opt-In

What You Need to Know About Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money to cover a transaction, but your Credit Union pays it anyway.

Your Credit Union can cover your overdrafts in two different ways:
1) Standard overdraft practices that come with your account.
2) Optional overdraft protection plans, such as a link to a savings account, which may be less expensive than standard overdraft practices.

To learn more, contact us.

What are the standard overdraft practices that come with your account?
Your Credit Union authorizes and pays overdrafts for the following types of transactions:
– Checks and other transactions made using your checking account number.
– Automatic bill payments.

Your Credit Union does not authorize and pay overdrafts for everyday debit card transactions, unless you ask us to by submitting the form below.

Note: Your Credit Union pays overdrafts at its discretion, which means overdrafts payments are not guaranteed. If your Credit Union does not authorize and pay an overdraft, your transaction will be declined.

What fees will you be charged if your Credit Union pays your overdraft?
Under our standard overdraft practices:
– Your Credit Union will charge you a fee of $15.00 each time an overdraft is paid.
– There is no limit on the total fees your Credit Union can charge you for overdrawing your account.


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Check here if you accept these terms and authorize APCO Employees Credit Union to authorize and pay overdrafts on your everyday debit card transactions.


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