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Overdraft Protection

What you should know about Overdraft and Overdraft Fees

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 overdrafts in two different ways:

  • We have standard overdraft practices that come with your accounts
  • 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 standard overdraft practices that come with my account?

We do authorize and pay overdrafts for 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:

  • ATM transactions
  • 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. We reserve the right to require payment of overdrafts on demand.

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

What fees will I be charged if HCCU pays my overdraft?

  • We will charge you a fee of $35 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account.

What if I want HCCU to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you have an existing HCCU checking account and want us to authorize and pay overdrafts on ATM and everyday debit card transactions, you must provide authorization by opting-in. If you do not opt-in, we must assume that you do not consent to payment of your ATM and everyday debit card transactions.

Opt-in here.

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