Debit Card Overdraft Opt In

What You Need to Know about Overdrafts and Overdraft Fees

What is an overdraft?
An overdraft occurs when you do not have enough available funds* in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in different ways:

  • We offer a Courtesy Overdraft Program. (Please review program requirements below for eligibility)
  • We also offer overdraft protection plans, such as a link to a savings account or overdraft line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

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


  • 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;
  • And, 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)

What transactions are covered by the Courtesy Overdraft Program?
If your account is eligible, we may authorize and pay overdrafts up to a specified amount (inclusive of fees) for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments
  • Everyday debit card transactions (these transactions are only covered if you OPT IN using the form below)

We pay overdrafts at our discretion, which means we do not guarantee we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. Accounts must be brought to a positive balance within 30 days or the Courtesy Overdraft program will be revoked.

What if I want WestStar Credit Union to authorize and pay overdrafts on my everyday debit card transactions?
If you also want us to authorize and pay overdrafts on your everyday debit card transactions, please select "Opt-In" below.

What fees will I be charged if WestStar Credit Union pays my overdraft?
Under our standard overdraft practices:

  • We will charge you a fee of up to $38.50 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account up to a specified amount.

What if I change my mind after I opt-in or opt-out?
You may revoke consent at any time in the same manner in which you provided your consent originally. Your selection is effective until revoked by you (unless the credit union terminates the service.)

WestStar Credit Union will not authorize and pay overdrafts on your debit card transactions unless you ask us to, by opting in below.

    If your account qualifies for WestStar's Courtesy Overdraft program, we may authorize payment of checks and automatic payments when your account does not have sufficient funds. You can complete this form to OPT-IN to Debit Card Overdraft Protection which may also authorize your everyday debit card transactions when your account does not have sufficient funds.

    If you change your mind after you OPT-IN, you may revoke your consent at any time by completing the Debit Card Overdraft Protection OPT-OUT request form. Your consent is effective until revoked by you (unless the credit union terminates the service.)

    Overdrafts on your everyday debit card transactions will not be authorized and paid unless you request that we do so by opting in below.

  • 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 Members Date of Birth is required
  • OKPrimary Members Mothers Maiden Name is required
  • OKSecurity Code is required
  • By clicking "SUBMIT" below, I agree that I am opting the above entered account in to WestStar's Debit Card Overdraft Protection program.