Overdraft Protection Transfer is an optional service offered by People Driven Credit Union that allows eligible members to link a savings account to a checking account. If there are insufficient funds in your checking account to cover a transaction, available funds from the linked savings account may be automatically transferred to cover the shortfall.
This service is designed to reduce the likelihood of declined transactions or returned items due to insufficient funds (NSF).
Key details:
- Transfers occur only if sufficient funds are available in the linked account.
- A per-transfer fee may apply. View our current fee schedule.
- Funds are transferred in the exact amount needed to cover the transaction, subject to available balance and transfer limits.
Overdraft Protection Transfers are subject to account eligibility, terms, and limitations. Not all accounts qualify. Transfers from savings accounts are subject to regulatory and policy limits. For full details, contact a PDCU representative or review our account disclosures.
