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Overdraft Protection

Tips for managing your checking account

We offer a variety of options to help you avoid overspending or to cover you in case you do.


As a credit union, our focus isn’t profit—it’s helping you succeed financially. And that includes helping you learn more about how to avoid fees.

Sometimes an unexpected life event or an occasional mistake can leave you short of funds. In these cases, RCU offers services to provide you a safety net if you accidentally overdraw your account.

Ways to help protect yourself from overdrawing your account

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Email & Text Alerts

Set up alerts in online or mobile banking and receive a text message or email when your account balance is low.

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Overdraft Transfers

Set up your savings and/or money market account to transfer funds to your checking in $100 increments in the event that you overdraft.

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Free Financial Resources

Take advantage of free access to industry-leading financial education and resources, with tips for every step of your financial journey.

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Additional Services

Overdraft Line of Credit

If you’re short on funds, pull from an overdraft line of credit to advance funds in $100 increments from your low, fixed rate loan to your checking.

Overdraft Pay Advantage (OPA)

This optional program provides a safety net for occasions when you don’t have enough funds to pay for a transaction—we’ll cover the payment to ensure it goes through.