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How do I add or remove Overdraft Pay Advantage on my account?

RCU’s optional Overdraft Pay Advantage (OPA) service provides a safety net for occasions when you don’t have enough funds in your account to pay for a transaction—we’ll cover the payment to ensure it goes through. You can enroll, opt out, or change your OPA coverage at any time using one of these convenient methods:

You can also review our OPA coverage options before you make any adjustments.

Mobile

If you're using a mobile device, follow the steps below. For computers, go to the desktop steps

At bottom right, select the Menu.

Changing your OPA enrollment in mobile, step 1

Select More, then tap Overdraft Services and select Overdraft Pay Advantage.

Changing your OPA enrollment in mobile, step 2

You will see your current OPA coverage.

Depending on your selections, OPA may cover:

  • Electronic ACH
  • Bill Payments
  • Checks
  • Recurring Debit Transactions
  • Everyday Debit Transactions (optional extended coverage)

Changing your OPA enrollment in mobile, step 3

To enroll in extended coverage, tap the Extend my coverage to include everyday debit transactions switch to ON (Green).

Changing your OPA enrollment in mobile, step 4a

To unenroll from extended coverage, tap the Extend my coverage to include everyday debit transactions switch to OFF (Gray).

Changing your OPA enrollment in mobile, step 4b

To unenroll from all OPA services, scroll down and select Unenroll from all services. You will be prompted to confirm your new selection.

Changing your OPA enrollment in mobile, step 5

To enroll in OPA, scroll down and select Enroll in Overdraft Pay Advantage. You will be prompted to confirm your new selection.

Changing your OPA enrollment in mobile, step 6

Desktop

If you're using a computer, follow the steps below. For mobile devices, go to the mobile steps

From the dashboard, select the three-dot menu (…), then select Overdraft Services.

Changing your OPA enrollment in desktop, step 1

On the left sidebar, select Overdraft Pay Advantage to see your current OPA coverage.

Depending on your selections, OPA may cover:

  • Electronic ACH
  • Bill Payments
  • Checks
  • Recurring Debit Transactions
  • Everyday Debit Transactions (optional extended coverage)

Changing your OPA enrollment in desktop, step 2

To enroll with extended coverage, select the Extend my coverage to include everyday debit transactions switch to ON (Green).

Changing your OPA enrollment in desktop, step 3a

To unenroll from extended coverage, select the Extend my coverage to include everyday debit transactions switch to OFF (Gray).

Changing your OPA enrollment in desktop, step 3b

To unenroll from all OPA services, scroll down and select Unenroll from all services. You will be prompted to confirm your new selection.

Changing your OPA enrollment in desktop, step 4

To enroll in OPA, scroll down and select Enroll in Overdraft Pay Advantage. You will be prompted to confirm your new selection.

Changing your OPA enrollment in desktop, step 5

Overdraft Pay Advantage can be used to pay your checks, automatic bill payments (such as Automatic Clearing House or recurring debit card transactions), and your everyday debit card transactions. When the service is used, a $14 OPA fee is charged (up to the maximum 4 charges per day). After a transaction is paid, you’ll be asked to make a deposit to cover the negative balance in your account immediately, and no later than within 20 days. If your account is not in good standing or you have not made regular deposits into your account, we may not be able to extend OPA services to cover your transactions.