Hoosier Hills Credit Union Has You Covered
Overdraft Protection is automatically included with your Checking Account. Overdraft Protection may help protect your account from being overdrawn by automatically transferring funds to your checking account from another Hoosier Hills Credit Union account or line of credit. There is no transfer fee for most accounts. Overdraft Protection linked through Money Market accounts and lines of credit are subject to existing fees and interest.1
Overdraft Privilege is an optional service which allows you to overdraw your account in order to pay a transaction. Even if you have Overdraft Protection, Overdraft Privilege is available as secondary coverage if the other protection sources are exhausted. If you overdraw your account with Overdraft Privilege, transactions will be paid, up to your approved limit, for $33 each. There is no fee for having Overdraft Privilege unless you use it.
Overdraft Privilege Standard Coverage covers overdrafts on checks, ACH and recurring debit transactions. You may choose to opt for Overdraft Privilege Extended Coverage which covers everyday debit and ATM transactions in addition to the Standard Coverage items.
- Overdraft Coverage may help you avoid costly returned check fees
- Overdraft Protection is included with your Checking Account and covers all transactions with the exception of ATM and Debit Card transactions
- Overdraft Privilege is an option which allows you to overdraw your account for a $33 per transaction fee
- There is no fee for Overdraft Privilege unless you use it
- The type of transactions covered by Overdraft Privilege is up to you. Choose between Standard and Extended Coverage
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1Lines of Credit and Money Market Accounts linked to Overdraft Protection are subject to their regular fees and interest.
Accounts will be charged the standard Overdraft fee of $33.00 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $33.00 for items returned. If your account balance remains overdrawn for longer than 30 days, the account will be charged an additional fee of $33.00. An overdrawn balance must be repaid within 32 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of 24 hours, if you default on any loan or other obligation to Hoosier Hills Credit Union or if your account is subject to any legal or administrative order or levy.