Overdraft Protection

Auto-transfer links your checking account to your savings account. If you overdraw on a purchase, funds are automatically transferred from your savings account to cover the items from your checking account.

• No transfer fees
• No minimum balance required
• No limit (transfer as many times as you need to)
• Easy to get started (any Member Service Rep can add this feature to your account)

Apply for an Overdraft Line of Credit through one of our knowledgeable loan officers. This line of credit remains unused until needed—if you overdraw, funds are automatically transferred to cover transactions, preventing overdrafts and NSF fees. Instead of returned items and costly fees, we’ll advance funds up to your available limit. Since this is a loan, finance charges apply, but regular payments can help you avoid significant NSF fees over time.

• No fees
• Credit limit up to $10,000 (you can request how much you need)
• Competitive Annual Percentage Rate (APR)
• Minimum payment is $50 or 5% of the balance based on your last advance

Courtesy Pay is like a safety net for your checking account. It is designed to cover those occasional withdrawals that would otherwise be returned due to insufficient funds. With Courtesy Pay, you’ll be charged $25 for each overdrawn item; you won’t be slammed with an additional fee from the merchant who processes your payment. Courtesy Pay is only provided at a member’s request.

• $300 maximum negative balance including Acadia’s $25 fees and totals of checks
• Maximum Service Charges (four per day)
  Minimum payment is $50 or 5% of the balance based on your last advance

To qualify for Courtesy Pay, your account must be in good standing and meet the following requirements:

1. Avoid excessive overdrafts;
2. Have no legal orders, levies, or liens against your account;
3. Have sufficient deposits so that your account has a positive end-of-day balance at least once every 30 calendar days.