Checks are returned by the credit union when there are not enough funds in your share draft account to cover the amount of the item being presented for payment.
Overdraft protection allows the credit union to automatically transfer funds from your share account or money market account directly to your share draft account in order to cover the amount of an item being presented for payment. There is a $2.00 fee for this transfer. Due to Federal Regulation D, some restrictions do apply. We allow up to 6 drafts per month.