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    Overdraft Protection (ODP)

    Simple and Automatic
    Covers transactions on your account with a transfer from your share account or line-of-credit.

    A $5.00 fee is collected each time a transfer is made to cover an overdraft.
     

    Overdraft Protection Plus (ODPP)

    Convenience
    In times of an emergency, it’s helpful to know that your check and ACH transactions are covered.

    Shop with Confidence
    You can avoid the embarrassment of having your check declined for insufficient funds.

    Gives You Peace of Mind
    It’s a comfort to know that even when mistakes happen, ODPP is there to cover your account.

    Easy & Free to Set Up
    You only pay for ODPP if you use it and the setup is free.

    A $30.00 fee is collected each time a check or ACH transaction is covered using ODPP.
     

    Overdraft Protection Plus for Everyday Check Card Transactions (ODPP)

    Convenience
    In times of an emergency, it’s helpful to know that your everyday check card transactions are covered.

    Shop with Confidence
    You can avoid the embarrassment of having your check card declined at a merchant for insufficient funds.

    Gives You Peace of Mind
    It’s a comfort to know that even when mistakes happen, ODPP is there to cover your account.

    Easy & Free to Set Up
    You only pay for ODPP if you use it and the setup is free.

    A $30.00 fee is collected each time an every day check card transaction is covered using ODPP - Opt In for Everyday Check Card Transactions.
     

    Log into your ECU Online® account and click on Secure Forms and Overdraft Opt In to apply for this service today!

    For more information about ODPP or to see if you qualify, please call 800.999.2328 or visit a branch.

    An item may be presented multiple times and a $30 fee may be assessed each time, up to a limit of six (6) Insufficient Fund (NSF), six (6) Uncollected Fund (UCF), and six (6) Premium Overdraft fees per day. The fee assessed will be determined by the type of transaction presented.  ECU will not pay items beyond the $500 ODPP limit. Items that are $5.00 or less will not be assessed a fee.  If this service is used, repayment is expected immediately. If your account balance remains negative for 25 days or if you have a loan that is delinquent 45 days, the ODPP services will be removed. If your checking account balance is negative for 60 days, your checking account(s) and/or share account(s) may be closed. The ODPP service may be withdrawn by ECU at any time and you may choose to opt-out of this service at any time. ECU reserves the right not to pay any item if your account balance is not sufficient to cover the item.

    You can find addtional information in our Guide to ECU Beyond Free Checking.

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