Given the impact of Coronavirus, some temporary changes to Courtesy Overdraft were necessary so that this program is available for those who need it the most. If you have questions or concerns on this, please call us to discuss at (702) 791-4777.
WestStar Credit Union offers a courtesy overdraft program which may provide payment of checks, ACH/EFT transactions, and debit card transactions 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 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 no available funds**. We will charge you a fee up to $38.50 each time we pay an overdraft.
Courtesy Overdraft program requirements (effective 4/17/2017):
- Must be 18 years and older, AND
- Must not have any past due WCU loans or have not caused WCU to incur a loss, AND.
- Have an active Checking account that has been open for 90 days.
Simple and Silverstar Checking accounts meeting the above requirements are eligible for $750.00 (inclusive of fees), and Fresh Start Checking accounts meeting the above requirements are eligible for $300.00 (inclusive of fees). Accounts must be brought to a positive balance within 30 days, or Courtesy Overdraft 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 opt-in form in order to include debit card transactions in the courtesy overdraft program.
If you do not want to participate, you may opt out of courtesy overdraft using this form.
*See the Important Account Information booklet for additional information on this program and share draft/ACH restrictions and requirements.
**See the Important Account Information booklet for additional information regarding "Your Available Balance."