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Overdraft Coverage

Life happens! At the NIHFCU, we know that mistakes occur. Fortunately, we offer several options that can provide assistance.

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Overdraft Protection

Automatically transfers funds from your NIHFCU savings to checking at no additional cost to cover your overdrafts, as long as funds are available (up to 6 per month).

Checkmate Line of Credit

A personal line of credit that provides quick access to cash for overdrafts or other needs with no per-item fees. Subject to credit approval and interest charges apply. Learn more and apply.

Courtesy Pay

Should other sources of overdraft protection be exhausted, this provides coverage up to $700 (including fees) for checks, electronic debits (ACH), recurring debit card payments and online bill payments. Consent to Courtesy Pay Plus to also cover your ATM and everyday debit card transaction (a $30 fee applies for each overdraft)

Compare your overdraft options or contact a representative for help.

Speak to an expert
1-800-877-6440
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Consent to Courtesy Pay PLUS

To extend your Courtesy Pay coverage to include everyday debit and ATM transactions. Select one of the following options:

  1. Log in to Online Banking, click Other Services, choose Debit Card/ATM Overdraft Options

  2. Call us at 800-877-6440

  3. Stop by any branch

  4. Complete and return the consent form by mail.

You may discontinue Courtesy Pay Plus at any time by calling 1-800-877-6440 or stopping by any branch.

Speak to an expert
1-800-877-6440
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Additional Information

For more information about overdraft protection at NIHFCU, review What Else You Need to Know.


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Ways to Avoid Overdraft

One of the best ways to prevent overdrafts is to monitor your balances. At the NIHFCU, you have access to many free, easy and convenient tools to help you stay in touch with accounts and avoid overdrawing your funds.

Online Banking - fast, secure, 24/365 access to your accounts from your PC

Mobile Banking - Secure, convenient on-the-go access on your smartphone or tablet.

Account Alerts - Receive emails or text messages with balance updates and other information you select

By adding Debit Card Overdraft Services, you may be allowed to continue with a purchase and deposit or transfer funds before the posted cutoff time on the same business day to cover the transaction.

Financial wellness begins and ends with the facts. Here's what you need to know!

1 Minor, trust, club & organizational and deceased member accounts are not eligible for Courtesy Pay. Members with the following conditions on their account(s) are temporarily ineligible for courtesy pay but may become eligible once the condition(s) are removed: Past due NIHFCU loan of more than 31 days; charged-off NIHFCU loan; accounts with a negative balance for more than 31 days; consumer checking account open less than 31 days; business checking open less than 61 days, accounts with levies, garnishments or bankruptcies, regular share account with balance under $25.