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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 overdrafts from checks, ATM withdrawals, 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 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.

*Centra Credit Union reserves the right not to pay for overdrafts, and 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.