Courtesy Overdraft Opt Out

WestStar Credit Union offers a Courtesy Overdraft program which may provide payment of checks, ACH/EFT transactions, and debit card transaction from Checking Accounts, when all available funds** from all specified overdraft sources have been depleted. For Debit Card Overdraft Protection, you must complete the Debit Card Overdraft Protection opt-in form. Overdrafts that result from using an ATM machine or a transaction with a Teller will not qualify for Courtesy Overdraft.

The credit union may clear checks, debit card transactions (opt-in required), and ACH/EFT transactions when there are not sufficient available funds. We will charge you a fee up to $38.50 each time we pay an overdraft.

**See the Important Account Information booklet for additional information regarding "Your Available Balance".

No action is necessary if you wish to only participate in the check/ACH/EFT Courtesy Overdraft program.

Courtesy Overdraft program requirements effective 4/17/2017:

  • Must be 18 years and older
  • Must be in good standing, with no WCU loans past due and have not caused WCU to incur a loss.
  • Have an active:
    • Star or SilverStar Checking open for 90 days. Eligible for $750.00 (inclusive of fees)
    • Fresh Start Checking open for 90 days with Direct Deposit. Eligible for $300.00 (inclusive of fees)
  • Accounts must be brought to a positive balance within 30 days or the Courtesy Overdraft program will be revoked.

All members who qualify will be automatically enrolled in the check/ACH/EFT Courtesy Overdraft program. You must complete the separate Debit Card Overdraft Protection form in order to include debit card transactions in the Courtesy Overdraft program.

*See Important Account Information booklet for additional information on this program and share draft/ACH restrictions and requirements.

    If you do not want to participate, you may opt out of Courtesy Overdraft by completing and submitting this form. Only complete this form if you DO NOT want the benefits of Courtesy Overdraft on your account.

  • I am the

    OKI am the is required
  • OKAccount # is required
  • OKFirst Name is required
  • OKLast Name is required
  • OKDaytime Phone is required
  • OKEmail Address is required

Primary Member Security Information (how we identify you)

  • OKPrimary Member's Date of Birth is required
  • OKPrimary Member's Mother's Maiden Name is required
  • OKSecurity Code is required
  • By clicking SUBMIT below, I agree that I am opting the above entered account out of WestStar's Courtesy Overdraft program.