Overdraft Protection


We know you’ve got a busy life, from keeping up with schoolwork to keeping up with a family, a career, or even a business. So we know that every once in a while, miscalculations might happen. When they do, we’ll be here to help you protect your checking account from non-sufficient funds (NSF) transactions. U of I Community Credit Union’s overdraft protection options save you money and embarrassment while also helping protect your credit record.

Overdraft Protection Options

Automatic Savings Overdraft Transfer

When your checking account doesn’t have sufficient funds, the amount needed to cover any items clearing your account will be automatically transferred from your Share Savings Account. There is a limit of six transfers per month.

Overdraft Protection Line of Credit

An Overdraft Protection Line of Credit is a revolving loan with limits ranging from $500 up to $2,500. If your checking account doesn’t have sufficient funds, the difference will automatically be covered by your line of credit. You can also use your line of credit to cover unexpected expenses or emergencies.

Courtesy Pay Service

After all other overdraft options have been exhausted, we may cover up to $1,000 for you rather than returning checks or refusing ATM withdrawals, debit transactions, or ACH transfers. The non-sufficient funds (NSF) fee still applies but you won’t have to worry about additional returned check charges at your retailer.
When an item is paid through Courtesy Pay, you may be notified that your account balance is negative and that the fee has been charged. You should make a deposit to cover the overdraft and any fees within 3-4 days. Any deposits made to your account are applied to any overdrawn balance first.
Courtesy Pay can be withdrawn by the credit union at any time. You can also choose to opt out of this service.

Cell Phone Icon

Check Your Account on the Go

UICCU’s convenient on the go banking options help you stay on top of your financial transactions! You can use online banking and mobile services to manage your account from anywhere.

Learn more
Laptop Icon

Personal Line of Credit

It’s easy to establish a personal line of credit that you can use to protect your checking account from accidental overdraft.


Find out how it feels to have a whole financial team cheering you on!

Become a Member

You may also be interested in