Overdraft Protection

Overdraft Options

At Pinnacle, we know that mistake happen. That’s why we offer a variety of overdraft options to help you avoid the inconvenience of overdrawing your account.

Savings Account Transfers

If the funds are not available in your Checking Account, Pinnacle FCU can pull the funds to cover the check/debit from your Primary Savings Account. There is no additional charge for this option; however, you are limited to six (6) automatic transfers per month.

Pre-approved Check Mate Loan

If the funds are not available in your Checking Account, Pinnacle FCU can pull the funds from your pre-approved Check-Mate Line of Credit Loan. Simply fill out our Online Application and get pre-approved up to $5,000. With this option, you avoid any costly fees and enjoy the convenience of having a bounce-free checking account. Apply Online Today!

Courtesy Pay Program

If the funds are not available in your Checking Account, Pinnacle FCU will automatically pay the check/debit for a small fee. The check/debit is paid helping you to avoid bouncing or returning any items. A fee of $30.00 will be accessed for each item. You will have 30 days to bring your checking account back to a positive balance.

Please note: ATM and one-time debit card transaction/purchases are not covered by Overdraft Privilege unless you OPT-IN. Click HERE to for the OPT-IN Form.

For more information regarding this rule established by the Federal Reserve, click here.