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Overdraft Protection

Overdraft Protection Plan

Linking Accounts

You can have funds automatically transferred from your savings account to your checking account to cover an incoming item. You'll save money by using this service.

Link your Arrowhead Visa or Line of Credit1

Use available funds from your Arrowhead Visa or Line of Credit to cover any items that may overdraw your account.

Courtesy Pay Service2

Opt-in to our Debit and ATM Courtesy Pay service to avoid having your debit transactions declined when funds are not available.

We will provide a limited amount of overdraft protection for your transactions even if funds are not available for only $31.


1If you apply and qualify for these optional services, we will look first to these services for overdraft protection before applying your discretionary Courtesy Pay service when your account is overdrawn. Overdrafts paid by the Overdraft Transfer Service or an advance on your Credit Card or Line of Credit are subject to a per-item Transfer Fee as set forth in the Schedule of Fees. If you enroll in Overdraft Protection with your credit card or line of credit, overdraft transfers will accrue interest at the APR stated in our Credit Card or Line of Credit Agreement. Please refer to your Credit Card or Line of Credit Agreement for additional details. Any transactions that are not paid by the transfer will either be paid or returned, and Transfer Fees or NSF Fees will be charged as if you did not have overdraft protection.

2When the available balance in your account is not enough to pay an item, we may return or courtesy pay the item and charge the $31 fee each time the item is presented. Items may include but are not limited to: Checks, Automated Clearing House (ACH), Priority Payment, Electronic Funds Transfer (EFT), Bill Payment, Automated Teller Machines (ATM),* Point of Sale (POS),* VISA Debit Card Transactions,* and/or other electronic means. We pay overdrafts as a courtesy for you at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined and/or returned. The total of the overdraft (negative) balance in your checking account, including any and all fees and charges, is due and payable upon demand, and you are required to immediately deposit sufficient funds to cover the overdraft paid by us and pay the related fees. 
 (a) You will not incur a fee on transactions if the overdrawn available account balance is less than $5 when the transaction is posted to your account.
 (b) We limit the number of Courtesy Pay fees we charge to five (5) per day per share account. Courtesy Pay Fees for ATM, POS and VISA Debit Card items only apply for members who have opted-in for Courtesy Pay.

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