Overdraft Coverage Options
Protection for Your Peace of Mind
Life happens between paychecks—choose from free account transfers, overdraft lines of credit, or Courtesy Pay coverage to ensure your transactions clear when timing isn't perfect.
Three Ways to Stay Protected
Choose the Coverage That Fits Your Life
Not all overdraft situations are the same, which is why we offer three distinct protection options. Whether you prefer free automatic transfers from savings, the flexibility of a credit line, or the convenience of Courtesy Pay, you control how your accounts handle shortfalls. Mix and match options for layered protection that works exactly how you need it.
Account Transfers
Link an Overdraft Protection transfer to another deposit account you have at DFCU. When checking goes negative, funds transfer automatically to cover the shortfall — at no per-transfer cost.
Overdraft Line of Credit
A revolving credit line that activates when your checking account goes negative. Pay interest only on the amount you actually use — not the full credit line.
Courtesy Pay
Backup coverage for when other options are exhausted. Available as Standard Coverage (automatic) or Full Coverage (opt-in for ATM and everyday debit card transactions). See details below.
Protection options as unique as your financial situation.
Free Overdraft Protection Transfers
Use Your Own Money at Zero Cost
The smartest overdraft protection costs nothing—automatic transfers from your other DFCU accounts. When your checking balance can't cover a transaction, we'll instantly move funds from your designated savings or money market account. No fees, no interest, no credit checks. Just seamless protection using money that's already yours.
$0 transfer fees
unlimited free transfers.
Instant transfers
prevent declined transactions.
Set it once
works automatically forever.
Overdraft Line of Credit
Flexible Borrowing for Cash Flow Gaps
Sometimes your own funds aren't available when you need them. An overdraft line of credit provides a financial safety net that activates automatically, transferring exactly what you need to cover shortfalls. Pay interest only on what you use, when you use it—far less expensive than multiple overdraft fees.
1
Automatic activation
when checking goes negative.
2
Interest only on advances
not full credit line.
3
Flexible repayment
at your convenience.
Smart borrowing that prevents expensive mistakes.
Courtesy Pay Coverage
Your Last Line of Defense
When other protection isn't available or has been exhausted, Courtesy Pay can still save the day. This discretionary service allows transactions to clear even when funds aren't available, for a flat $28 fee per item. While more expensive than other options, it's invaluable when you absolutely need that transaction to go through.
Standard Coverage
Automatically covers everyday recurring items:
- Checks
- ACH — Automatic Debits
- Recurring Debit Card Transactions
- Online Bill Pay Items
- Online Banking Transfers
- Telephone Banking
- Teller Window Transactions
Full Coverage
Everything in Standard Coverage, plus:
- ATM Transactions*
- Everyday Debit Card Transactions*
Click the link above to view a PDF on other important information concerning Courtesy Pay.
Understanding Your Available Balance
Know What Protection You Really Have
Your protection works based on your available balance—not just what's in your account, but what's actually accessible after pending transactions and holds. Understanding this distinction helps you use protection wisely and avoid surprises. We post credits before debits and process items in order received to minimize fees.
1
Available balance
includes pending transactions.
2
Holds affect availability
plan accordingly.
3
Credits post first
to maximize your balance.
4
Real-time visibility
Track balances and set low-balance alerts in online and mobile banking.
Knowledge plus protection equals financial confidence.
Don't Let Overdrafts Overwhelm Your Finances
Whether you choose free transfers, a credit line, or Courtesy Pay, having protection in place beats scrambling when transactions exceed your balance. Set up your preferred coverage today and transform overdraft anxiety into overdraft confidence. Questions? We're here to help you choose the right mix.
Become a Member Today
Become a Member Today
LDS Members and others are welcome to join us as members.
Save More, Stress Less
Save More, Stress Less
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*ATM and everyday debit card transaction coverage requires separate written consent under Federal Reserve Regulation E. Opt in or out anytime through online banking, by phone, or at any branch. Overdraft protection transfers free between DFCU accounts. Credit lines subject to approval and interest. Courtesy Pay $28 per item presented. Standard Coverage automatic for most accounts. Full Coverage requires opt-in for debit/ATM. Email odp@dfcu.com to manage options. Multiple fees possible for repeated presentments.