A Little Grace for Life's Mistakes

Feel secure when life happens with Overdraft Protection. Opt-in to the feature which, for a small fee, will temporarily allow your account to be overdrawn to cover your ECCU debit card transactions, checks, online bill payments and ACH transactions that exceed your balance.
What is Overdraft Protection?
ECCU's Overdraft Protection allows you to overdraw your account up to a disclosed limit for a small fee in order to pay a transaction. 

Standard Coverage
(No Action Required)
Privilege Pay Coverage
(Opt-in Required)
Everyday Debit Card Transactions N/A
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w/ opt-in)
ATM Transactions
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w/ opt-in)
Bill Pay Transactions
check mark1 Included
ACH Transactions check mark1 Included
Checks Written
on Your ECCU Checking Account
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Do I qualify for ECCU's Overdraft Protection?
More than likely, yes! A few things to keep in mind:
  • You must enroll or 'opt-in' to this service
  • The primary account owner must be at least 18 years old
  • Your ECCU account must be in 'good standing'
  • Your ECCU checking account cannot be overdrawn more than 30 days
What types of transactions are covered by the Overdraft Protection?
  • Debit Card Transactions*
  • ATM Transactions*
  • ECCU Bill Pay Transactions
  • ACH Transactions
  • Checks Written on your ECCU Checking Account
What if I choose to not opt-in?
If you choose not to use Overdraft Protection, your transaction or check will be declined if you do not have sufficient funds in your checking account.

Other Overdraft Options:
Energy Capital Credit Union offers alternative overdraft services such as overdraft lines of credit and automatic transfers from other accounts, which may be a which may be less expensive alternative to Overdraft Protection. Ask us for details. If you have an existing overdraft protection from your savings account or overdraft line of credit, we will access those funds for payment prior to utilizing this Overdraft Protection.
  • Checking or Savings ID Share TypeYou can designate your ECCU Membership Share Account as the source to cover any overdrafts in your checking account. The advantages of choosing this option are:
    • There are no interest charges, unlike a line of credit
    • The limit for your overdraft coverage is as large as your savings balance
    • Your monthly statement details the transfers between your accounts
    • A small fee may be incurred for the advance to the checking
    • You can review transactions via online banking  
  • Overdraft Line of CreditSave yourself the cost and embarrassment of overdraft (NSF) checks with a Line of Credit (LOC). This Line of Credit has limits based upon your credit qualifications. It protects your checking account from overdrafts and embarrassing NSF notices and fees. This option will also allow you to use your debit card for purchases. The Line of Credit is a smart addition to any checking account so you can write yourself a small loan or cover expenses during an emergency. This option will require a credit approval*
    • Your monthly checking statement includes details of your LOC account
    • Outstanding LOC balances can be repaid with a small, minimum monthly payment
    • Enjoy unlimited transfers with LOC
    • You can review transactions via online banking
Meet with our Certified Financial Counselors
As a member of ECCU, you have access to our Certified Financial Counselors.

Our financial experts will work with you to understand your financial situation, explain and offer you debt management options, and help you develop a personalized action plan to meet your financial wellness goals.

Fill out the form below and a Certified Financial Counselor will contact you.



What else do I need to know?
The Overdraft Protection for checks written on your ECCU account, ACH, and ECCU's Bill Pay requires no account-holder action or additional agreements to be signed. You must, however, sign an additional agreement to allow us to extend the Overdraft Protection for ATM withdrawals and one-time debit card transactions. If you do not ask us to pay overdrafts on your ATM withdrawals and one-time debit card transactions and sign an additional agreement, overdrafts of these types of transactions will NOT be paid by ECCU's Overdraft Privilege Pay.
If your account goes negative, you have 60 days to repay. The $30 Paid Nonsufficient Funds Fee is charged if you overdraw your account is the same fee amount that is charged if a check or item is returned as unpaid. If multiple items overdraw your account on the same day, each item will be assessed an appropriate Paid Non-Sufficient Funds Fee or an Unpaid Nonsufficient Funds Fee of $30. All Fees and charges will be included as part of the Overdraft Protection limit amount. Your account may become overdrawn more than the Overdraft Protection limit amount because of a fee.
Although under applicable card network rules, Energy Capital Credit Union may be obligated to pay some unauthorized debit card transactions, Energy Capital Credit Union will not authorize debit card or ATM transactions unless account's available balance (including overdraft coverage options) is sufficient to cover transactions and the amount of any fee(s).
Providing Energy Capital Credit Union with your consent to pay everyday debit card and ATM overdrafts may result in you incurring Paid Nonsufficient Funds Fee. However, this may allow Energy Capital Credit Union to authorize up to the amount of your Overdraft Protection limit.
Overdraft Protection may be suspended if you default on any loan or other obligation to Energy Capital Credit Union, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within thirty (30) days of the initial overdraft date.
Energy Capital Credit Union authorizes and pays transactions using the available balance in your account. Energy Capital Credit Union may place a hold on deposited funds in accordance with the Funds Availability policy as stated in the most recent Statements of Terms, Conditions and Disclosures, which will reduce the amount of your available balance. The available balance for checks, ACH items, and recurring debit card transactions is comprised of the ledger balance, less any holds on deposited funds and any debit card holds, plus the amount of the Overdraft Protection limit and any available overdraft protection. The available balance for ATM and everyday debit card transactions on accounts with Standard Coverage is the ledger balance, less any holds on deposited funds and any debit card holds, plus any available overdraft protection, but does NOT include the Overdraft Protection Limit. For accounts with Full Coverage, the Overdraft Protection Limit is included in the available balance for authorizing ATM and everyday debit card transactions.
Energy Capital Credit Union will place a hold on your account for any authorized debit card transaction until the transaction settles (usually within two business days) or as permitted by card network rules. In some cases, the hold may exceed the amount of the transaction. When the hold ends, the funds are released and returned to the available balance in your account. If your account is overdrawn after the held funds are added to the available balance and the transaction is posted to the available balance, a Paid Non-Sufficient Funds Fee may be assessed.
Except as described herein, Energy Capital Credit Union will not pay items if the available balance in your account and other sources (including the Overdraft Protection limit, if applicable) is not sufficient to cover the item(s) and the amount of any fee(s).
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