Overdraft Protection

ATFCU offers members with established account histories, in good standing, an "Overdraft Privilege" service to pay checks, VISA Check Card transactions, point-of-sale transactions, ACH items and ATM withdrawals that are drawn against insufficient or unavailable funds at the time of presentment. Unavailable funds include funds on hold from a check deposit or funds on hold from a debit card transaction authorized but not yet cleared. This discretionary member courtesy could save you the embarrassment of returned items and expensive merchant fees. The standard $24 NSF (Courtesy) fee will still be imposed by ATFCU and any fees that would have been charged by a merchant will be avoided. Payment of an NSF item is at the sole discretion of ATFCU and based on a members overall relationship with the credit union to a maximum limit of $500 including fees.All overdrafts for transactions and fees should be paid within a timely manner. An account that remains negative, past a 45 day grace period, will be closed and negative amounts for transactions will be reported to the appropriate agency.