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:
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.