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Life moves crazy fast. Subtraction can be crazy difficult (especially when you have to do that borrowing thing when the “0” becomes a “10”) We know mistakes happen. That’s why we offer a variety of overdraft options to help you avoid the inconvenience of overdrawing your account. Yeah, we’re helpful like that.
| Service | Cost |
|---|---|
| Overdraft Protection link to another deposit account you have at Pinnacle FCU1 | $0 fee per transfer (maximum of 6 transfers per month) |
| Checkmate Line of Credit | Subject to interest and credit approval |
| Overdraft Privilege | $30 overdraft fee per item |
Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account, or line of credit you may have at Pinnacle FCU (a finance charge may apply.) Please note that Checkmate line of credit is subject to credit approval.
Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted.
| Transactions covered with Overdraft Privilege | Standard Coverage | Extended Coverage (Your consent required)2 |
|---|---|---|
| Checks | X | X |
| ACH - Automatic Debits | X | X |
| Recurring Debit Card Payments | X | X |
| Online Bill Pay items | X | X |
| Online banking transfers | X | X |
| Telephone Banking (TELL-Me) | X | X |
| Teller window transactions | X | X |
| ATM Transactions | X* | |
| Everyday Debit Card transactions | X* |
