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Overdraft Protection

Protect yourself from the unexpected.

ECU offers multiple types of Overdraft Protection on Beyond Free Checking accounts to fit your needs.

Features Overdraft Protection Overdraft Protection Plus ODPP for Everyday Debit Card Transactions
Waiting Period for New Members None 180 Days 180 Days
Fee None $30 per item $30 per item
Covers Debit Card Transactions Yes No Yes
Covers ACH Transactions Yes Yes Yes
Covers Checks Yes Yes Yes

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

A $30 fee may be assessed each time an item is paid using ODPP, up to a limit of six (6) Insufficient Fund (NSF) 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, 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 The ODPP service may be withdrawn by ECU at any time and you may choose to opt-out of this service at any time.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 available balance is not sufficient to cover the item.