Overdraft Protection | Centra Credit Union

Overdraft Protection

When you have overdraft protection for your account, you won’t ever be caught without enough money to cover your purchases.

You can choose among 4 overdraft protection options:

Courtesy Pay

Let Centra cover your overdrafts from checks, Automated Clearing House (ACH) transactions, and debit card transactions. Courtesy Pay is subject to a fee of $29 per transaction over your account balance, with an $87 daily maximum charge. That’s less than the standard NSF charge. Opportunity Accounts are not eligible for Courtesy Pay.

Home Equity Line of Credit

Use your home equity line of credit as a back-up for your other accounts. There’s no cost to transfer funds, and standard finance charges apply to loan balances. Subject to credit approval.

Line of Credit Loan

No cost to transfer. Subject to credit approval. Standard finance charges apply to loan balances.

Savings and Money Market Account Transfers

Use funds in your Centra Savings or Centra Money Market account to cover overdrafts. Each transfer is just $0.50.

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