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Overdraft Protection

Protect yourself from the possibility of bouncing a check.

Should you inadvertently overdraw on your Share Draft Checking Account, using one of our protection services will cover your check and avoid incurring insufficient funds fees... not to mention the possible embarrassment of overdrawing your account.

Transfer from Share Overdraft Protection

• automatically transfers funds from your Share Savings Account to your Shared Draft Checking account
• transfers in $50 increments
• a transfer fee is applied --
  See current Truth-in-Savings Disclosures
• Adding this protection is easy!
  See overdraft protection agreement / application.

On Demand Credit Line Protection

• an automatic line of credit is activated to cover checks and debit card purchases if you don't have enough money in your Share Draft checking account
• credit limits range from $500 to $2,000
• low interest rate
• flexible repayment terms
• must complete a VSECU Consumer Loan application