Overdraft Services
Swiped your debit card a little too enthusiastically? You’re covered with overdraft services.1
Don’t get caught slipping
You’re not alone if you’ve swiped your debit card with confidence, only to be met with the “insufficient funds” message. If you accidentally spent more than you have available (it happens to the best of us), overdraft services1 can help you cover the difference.
Skip the awkward "transaction declined"
Life can throw a curveball in your finances. Here’s how overdraft services1 can help:
- Got unexpected expenses? Our Overdraft Protection Transfer service automatically transfers funds from a linked Georgia’s Own account to keep you covered.
- If your balances fall short of covering checks, electronic transactions (ACH), or recurring debits, our Premium Overdraft Protection service has your back to allow payment of those transactions (avoiding them being returned due to insufficient funds).
- Don’t get caught short at checkout: Opt-in to Premium Overdraft Protection coverage for one-time debit and ATM transactions to avoid declines.
Don’t sweat the small stuff
We’ve got your back in more ways than one:
- Need a little extra cushion? An overdraft line of credit kicks in when there isn’t any money in your accounts to cover the transaction—you only pay interest when you use it.
- Be a financial pro! Set up alerts in online banking when your checking account dips below a certain amount so you can avoid overdrafts before they happen.
Check out our other services
Wire Transfers
Need to send or receive money quickly (and securely)? Whether you’re paying rent across town or sending money to family overseas, we can help you with sending and receiving wires.
TeleTalk
Skip the long lines at the branch or waiting on hold. TeleTalk lets you access your accounts 24/7 from the comfort of your couch, so you can check balances, transfer funds, and more.
Direct Deposit
No more scrambling to deposit checks on your own time. Get paid faster and know that your hard-earned paycheck is secure.
Learning Center
Go beyond banking with resources and news to learn how to make informed financial decisions.
5 money tips for new college graduates
How to avoid fraud with P2P and A2A transfers
The basics of overdraft protection
1Overdraft services are available to members 18 and over who are in good standing with the Credit Union. We may approve certain transactions that overdraw your account. Under our Premium Overdraft Protection for checks, ACH transactions, and recurring debits, as well as our Premium Overdraft Protection for one-time debit and ATM transactions, we will charge a $35 Premium Overdraft Fee, as outlined in our Truth-in-Savings Fee Schedule, each time we pay an overdraft. You are required to opt-in for Premium Overdraft Protection for one-time debit and ATM transactions. Under our Overdraft Protection Transfer service, we will charge an Overdraft Transfer Fee of $6, as outlined in the Truth-in-Savings Fee Schedule, each time an overdraft transfer from one of your other accounts is initiated. You may also link to an overdraft line of credit. Whether your overdrafts will be paid or not is in our sole discretion and we reserve the right not to pay the overdraft. We also reserve the right to require you to repay your overdrafts immediately or on demand. Read our Overdraft Services Disclosure for full details.
