Energy Capital Credit Union

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Overdraft Protection

What You Need to Know about Overdrafts and Overdraft Fees
effective August 6, 2015

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with qualifying accounts.
  2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that may come with my account?

We do authorize and pay overdrafts on the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic Bill Payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below)

  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

ATM withdrawals are not eligible for Privilege Pay and will be declined.

What fees will I be charged if Energy Capital Credit Union pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee of up to $30 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account(s).

What if I want Energy Capital Credit Union to authorize and pay overdrafts on my everyday debit card transactions?

If you also want us to authorize and pay overdrafts on everyday debit card transactions, call (832)604-4848 fill out the paper copy below or complete the digital opt in form below.

Click here to complete the opt in form

Paper copy opt in form - Complete and present at your nearest ECCU branch or mail to: 18540 Northwest Freeway Houston, TX 77065.