Checking & Savings / Convenience Services / Courtesy Pay & Overdraft Protection
Avoid overdraft fees and getting declined at the register
Life happens and it can be easy to lose track of your account balance. We've got tools for that.
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Overdraft Protection
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What is Overdraft Protection?
Overdraft Protection is an optional service that covers transactions that exceed your account balance by transfering funds to cover it from another savings account, checking account, or Kwik Cash Line of Credit.
WITHOUT Overdraft Protection
The transaction would be declined.
WITH Overdraft Protection
The transaction would go through, transfering the difference from your overdraft transfer account, for a small fee¹.
Add another layer of protection with Courtesy Pay to cover you if your overdraft transfer account does not have the funds to cover your transaction. See below.
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Courtesy Pay
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What is Courtesy Pay?
Courtesy Pay is an optional service that allows transactions to overdraw your checking account if the funds aren't available in your checking account OR overdraft transfer account.
WITHOUT Courtesy Pay
The transaction would be declined.
WITH Courtesy Pay
The transaction would go through, bringing your checking account balance negative, for a small fee.¹
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Resources
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Finding Funds in an Emergency
Wondering what to do in an emergency if you don't have an emergency fund? Don’t panic. There are things you can do to get through this crisis.
Learn More 3 MIN READ
Digital Spending Traps
Many apps, games, and websites use deceptive or exploitative tactics to convince you to make purchases.
Learn More 2 MIN READ
Grocery Budget Assessment
Grocery spending can quickly eat up your budget. Discover a realistic budget that fits your household needs and preferences.
Learn More 3 MIN ACTIVITY
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FCCU reserves the right to require repayment immediately or on demand.
[1] Member must apply and meet qualification criteria. Fees may apply, see fee schedule.