US Federal Credit Union
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Overdraft Programs

There aren't many good things to say when you bounce a check or have a transaction declined. Fortunately our overdraft programs will keep you shopping, paying bills and managing your finances hassle-free. And with many options to choose from, you'll add convenience no matter how you shop.

Overdraft Privilege - standard program

Allows you to clear transactions (including written checks, automatic withdrawals, and bill payments) on your account, even when you have insufficient funds. Upon qualifying, this service is automatically set-up on your checking account upon its opening, and only used when necessary.

Debit Card Overdraft Privilege - standard program with debit feature

In addition to our standard Overdraft Privilege program, Debit Card Overdraft Privilege covers most debit card transactions when funds are not sufficient. Opting-in to this convenience makes it easy to avoid the embarrassment of a declined transaction and provides a ‘safety net' if you must overdraw your account in an emergency situation - like roadside emergencies or an empty tank at the gas station. Opt-in to this convenient service by completing this form and returning it to US Federal.

Federal regulation now requires you to opt-in in order to expand the Overdraft Privilege Program to your US Federal Visa Debit Card transactions; however, if you do not opt-in, any debit card transactions with insufficient funds will be declined.

ReadyCashSM Overdraft Protection Loan

In the event you inadvertently overdraw your checking account, ReadyCash will automatically advance the exact amount needed to cover the transaction.

Overdraft Privilege services are discretionary. We charge an overdraft fee ranging from $19 - $33 per overdraft item paid depending on the number of items paid during the previous 12-month period. An overdraft fee may be imposed for overdrafts created by checks, debit card transactions or by other electronic means. You must repay any overdraft balances and fees within a 30-day period plus maintain a positive account balance for at least one business day during this 30-day period to remain eligible for overdraft privilege services. 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.

next steps

Sign Up for Overdraft Privilege
Sign Up for Debit Card Overdraft Privilege
Apply for a ReadyCash Loan

  • give us a call:
    (952) 736-5000 or 1 800 345-2733
  • email us

helpful tips

Help keep track of your balance and avoid using overdrafts with these free, convenient services:

  • Set up email and SMS text alerts within Internet Branch to notify you when your account balance drops below a certain amount.
  • Check balances and transfer funds 24/7 using our mobile app, Internet Branch, or ExpressFone


US FEDERAL CREDIT UNION | 1400 Riverwood Drive, Burnsville MN 55337 | 1 800-345-2733 | (952) 736-5000 | All Content © 2012 | privacy & disclosures
Federally Insured by NCUA EHL