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Overdraft Protection Options

Protect yourself and your checking account from accidental overdrafts.

Everybody makes mistakes sometimes when it comes to managing their money. That’s why MTC Federal Credit Union offers overdraft protection options for protecting yourself from the embarrassment and inconvenience of accidentally overdrawing your checking account.

Overdraft Protection Services

Our Overdraft Protection Service transfers funds to your checking account from a previously designated account and/or line of credit when your checking account becomes overdrawn. Overdraft Protection will not allow the account to go into a negative balance.

  • Protect your checking account automatically
  • Save money by avoiding overdraft fees
  • Enjoy peace of mind knowing your account is protected

Overdraft Protection Services together with any associated lines of credit are subject to application and approval. With Overdraft Protection, you can let us know from which account(s) and in what order of use, you’d like transfers to be made.

Overdraft Line of Credit

Learn more about opening an Overdraft Line of Credit.

Courtesy Pay

Courtesy Pay is a discretionary service through which MTC Federal may pay for items which otherwise would be returned due to non-sufficient funds (NSF). This service is a privilege intended to help protect you from the problems associated with overdrafts.

It is not intended as an alternative to your proper management of your accounts. Frequent abuse of Courtesy Pay or leaving a negative balance for too long can lead to your loss of Courtesy Pay service.