Overdraft protection included
Every Beyond Spending account comes with overdraft protection.
Stay covered when life happens
Unexpected expenses? We’ve got you. Overdraft protection helps keep your transactions moving—even when your balance dips—so you can spend with confidence.
Automatic coverage
Your account is protected without extra steps.
Peace of mind
Avoid declined purchases and unnecessary stress.
Simple and secure
Protection that works seamlessly with your Beyond Spending account.
Overdraft protection options
Initial line determined by credit tier; larger lines available through request.
- Advances are made as needed (up to your limit) in $200 increments.
- Costs include daily interest on the loan (16.9% Annual Percentage Rate as of 7-2010) and a $2 transfer fee per item, per advance.
- Low monthly payments of $10 per $150.00 balance
- Payments are due each month on the 30th.
Our systems will present your overdrafting check, debit card transaction, ACH debit, bill payment, or ATM transaction to the overdraft protection line of credit loan (if it exists), then to the Share Transfer, if needed (and if it exists) and then to Courtesy Pay, if needed (and again, if it exists). This will always be the order in which your overdrafting item will attempt to clear in our system. Members in good standing may participate in any feature or any combination of features they desire.
FEDERALLY INSURED BY NCUA | *Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. Not included with Renew Spending. For the complete HCU Overdraft Protection Policy please view our Terms and Conditions; Funds Transfer/Availability, Electronic Transfer disclosures.
Official Financial Wellness Partner Of Tiger Athletics
