Overdraft Protection
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Overdraft Protection gives you peace of mind should you accidentally overdraw your account. It’s a good habit to keep an eye on your finances and make sure you have enough funds in your accounts to cover your day-to-day expenses. Here at Maui FCU, we understand that sometimes overdrafts still happen. This protection ensures that overdrafts — including Debit/ATM transactions that exceed your available balance — are covered by another approved source of funds.
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Benefits:
- Your transaction will still clear even if you don’t have enough money in your account, helping to expedite transactions when you’re in a hurry.
- The cost is usually less than paying an overdraft fee.
- It may allow checks to clear, which in turn can help you avoid returned check fees from merchants.
- It can provide access to funds in times of emergency.
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We have Overdraft Protection options for you:
Overdraft Transfer
- Connects to your share account
- Money automatically transfers if you don’t have the funds available in your share draft account
- $5 charge per overdraft transfer (See Fee Schedule)
- Saves expense of returned check or late fees from third parties
Line of Credit
- Can be tied to your share draft account for overdraft protection
- No fees per overdraft beyond interest accrued from Line of Credit balances (See Fee Schedule)
To set up overdraft protection for your account, visit one of our branches or contact us!
Contact Us
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Reorder Checks
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Need more checks? With Harland Clarke®, check ordering just got easier. It’s safe and simple to order and reorder checks.
Reorder Checks
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1 Generally, if a member has more than one account of the same ownership, those accounts are added together and insured in the aggregate. There are exceptions though. You may qualify for additional coverage on revocable trust accounts. You may also obtain additional separate coverage on multiple accounts, but only if you have different ownership interests or rights in different types of accounts and you properly complete account forms and applications. Visit https://www.mycreditunion.gov for more information.
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