At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, inconvenient and potentially embarrassing experience.

At AmeriCU Credit Union, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly. However, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned.

That's why we provide "Member Privilege®," a special overdraft service for AmeriCU Credit Union’s members. Please note that for coverage on ATM and 1 time debit card transactions, we are required by regulation to have you opt in for this portion of the program to be covered for these transactions. Coverage for ACH, checks and recurring debit card transactions is automatically added to eligible accounts.

	AmeriCU Credit Union generally may honor overdrafts up to the Member Privilege limit on your account.
	You will be charged our standard NSF fee of $25 for each overdrawn item created by check, ATM withdrawals or other electronic means paid under the limit. All negative balances must be brought positive within 30 days. AmeriCU Credit Union reserves the right not to pay if your account is not kept in good standing. Please contact a member service representative for more details.

Member Privilege Q & A

Member Privilege Brochure

Member Privilege is a non-contractual courtesy which is available to individually/jointly owned accounts in good standing for personal or household use. AmeriCU Credit Union reserves the right to limit participation to one account per household and to discontinue this service without prior notice.

This credit union is federally insured by the National Credit Union Administration.