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Set up overdraft protection

These options can protect you if you have insufficient funds in your checking account to cover a payment. 

Savings Overdraft

Savings Overdraft will automatically transfer funds from your UNFCU savings account to cover the payment from your UNFCU checking account. It will even cover payments you had pre-scheduled for your UNFCU consumer loan and/or mortgage. You will be charged a fee each time funds are transferred to cover an overdraft. 

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Line of credit

Consider this option if you are eligible for UNFCU unsecured loans. You can apply for up to $25,000 in overdraft protection for your checking account. You can also use funds from your line of credit to finance other initiatives. You will only be charged interest on the amount you use. This is one of several personal loans we offer.

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More helpful resources

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Savings & Spending Accounts

Open a checking account

Savings & Spending Accounts

Open a high-yield savings account


Why loan or credit card applications may be declined