Courtesy Overdraft

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
  • Must be in good standing, with no WCU loans past due and have not caused WCU to incur a loss.
  • Have an active:
    • Simple or SilverStar Checking open for 90 days. Eligible for $750 (inclusive of fees).
    • Fresh Start Checking open for 90 days with direct deposit. Eligible for $300 (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 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."