Overdraft Coverage

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 checking account shortages so you don’t have to worry about declined transactions or merchant non-sufficient fund (NSF) fees. Courtesy Pay is subject to a fee of $29 per transaction over your account balance, with a $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.

Sign up for overdraft protection today and enjoy the peace of mind that comes with knowing you’re covered!

Contact us or visit your local Centra branch to get started.

Courtesy Pay may be disabled at the discretion of Centra Credit Union or under the following conditions: your account has been overdrawn by more than $500 or your account has had a negative balance for more than 30 days.