Paid NSF Protection

Read more about how you can keep PAID NSF privileges for your debit card and ATM usage…

Did you know that AOD Federal Credit Union has a Paid NSF Program?

What does “NSF” stand for? It stands for Non-Sufficient Funds.

Who’s eligible for the Paid NSF Program? All consumer members who have an eligible open checking account and are in good standing with the credit union qualify for the program. Please note that “Paid NSF” is available only after 90 days of account opening.

With our overdraft protection, you know you will be covered. After you open any one of our checking accounts with the credit union, you may designate another account, like your primary shares/savings to cover any NSFs. Once you set this up, it’s always there. This protection will help you save on credit union NSF charges as well as those charged by merchants for return check fees. Sometimes these fees can be $25+ or more. This program will provide peace of mind to you. Any funds held in your designated overdraft account above the deposit minimum, such as shares/savings ($30) acts as your overdraft protection. Limitations do apply. See credit union disclosures for additional details.

You have another layer of overdraft protection available to you called “Paid NSF.” We all know how embarrassing it can be when you make a mistake in your checkbook or you are left a little short and you need to pay a bill. This program is designed to save you merchant NSF fees and return check fees as well. After opening a new checking account, you will be eligible for this layer of protection after 90 days from account opening. Courtesy Pay provides you $700 worth of overdraft protection on a monthly basis. A $30 fee will apply for each item paid if this service is used.

Not only are your checks and preauthorized ACH drafts covered, but also you can opt in to have your debit card purchases covered as well! No more embarrassing situations at the store when your card gets declined. As long as you have your overdraft coverage available, your transaction will be approved.

Some exclusions will apply. For complete details of the program, please contact a member service representative today. We’d be happy to discuss this with you.