Because Life Happens—We’ve Got You Covered
At WSSC Federal Credit Union, we understand that unexpected expenses can catch you off guard. That’s why we offer flexible overdraft coverage options designed to help you manage those occasional slip-ups with ease. Whether you're dealing with an unforeseen emergency or a simple mistake, our customizable overdraft protection gives you peace of mind and financial security when you need it most.
Choose the overdraft coverage that fits your needs, and trust WSSC FCU to help you confidently navigate life’s surprises.
Overdraft Protection
Our Overdraft Protection service automatically transfers funds from another WSSC account or a line of credit to cover your transactions. It’s an affordable and simple way to ensure you’re always prepared.
Linked Account Transfers: Only $1.00 per transfer from your savings or another linked account.
Line of Credit: Cover overdrafts with a line of credit—subject to interest and credit approval.
Overdraft Privilege
When life happens and your account doesn’t have enough funds, Overdraft Privilege steps in to cover your transactions, so you don’t have to worry about declined payments.
Standard Coverage: Automatically covers checks, ACH payments, recurring debit card transactions, and more.
Extended Coverage: Includes additional coverage for everyday debit card and ATM transactions. (Available with your consent.)
$25 Overdraft Fee per item presented, whether it’s a check, ACH, or debit card transaction. Avoid multiple fees by keeping track of your balance using our mobile or online banking tools.
How It Works
With Overdraft Privilege, you can overdraw your account up to a limit based on your account type and standing. It’s like having a safety net, so when an unexpected expense comes your way, you have the security of knowing we’ve got you covered. New member accounts get a $100 introductory limit, increasing to $500 after 30 days in good standing.
Learn More About Overdraft Privilege
Courtesy Pay
Sometimes, life’s little surprises can lead to overdrafts. That’s where Courtesy Pay comes in. Courtesy Pay is a service designed to cover your transactions when you don’t have enough available funds in your checking account, saving you from the embarrassment of declined transactions or returned checks.
How Courtesy Pay Works:
Covers everyday transactions like checks, ACH payments, and debit card purchases, even if your account balance is low.
No Action Required: Courtesy Pay automatically applies to eligible accounts, offering a safety net when funds are unexpectedly low.
Flat Fee: A $25 Courtesy Pay fee is applied per covered item, helping you avoid the hassle of dealing with declined payments or returned checks.
With Courtesy Pay, you’ll have added peace of mind knowing that WSSC FCU has your back when an unexpected expense arises.
