Toggle Menu LOGIN OVERDRAFT COVERAGE For when the unexpected happens. Protect yourself from the embarrassment and high costs of overdrafts with the Overdraft Coverage that suits your needs. Compare Overdraft Coverage Options Overdraft Protection Linked Account Overdraft Privilege STANDARD Coverage Overdraft Privilege EXTENDED Coverage What it is: Automatically transfers into your Checking Account from your Savings Account if funds are available Transferred in $100 increments Comes standard on your Checking Account and allows you to overdraw your account up to $500 to pay for a transaction1 Fee applies, see below You must provide your consent for this coverage Allows you to overdraw your account up to $500 in order to pay for a transaction not covered under Standard Coverage1 Fee applies, see below What it covers: All transactions Checks ACH (automatic debits) Recurring debit card transactions Teller, telephone, Online or Mobile Banking transactions With STANDARD Coverage, we do NOT honor overdrafts on: ATM withdrawals Everyday debit card transactions Checks ACH (automatic debits) Recurring debit card transactions Teller, telephone, Online or Mobile Banking transactions Plus, when you provide your consent for EXTENDED Coverage, we DO honor overdrafts on: ATM withdrawals Everyday debit card transactions What it costs: No Fee $30 fee per overdraft1 $30 fee per overdraft1 Starting is Easy Simply contact Member Service to request the Overdraft Coverage option(s) that fits your needs. To request EXTENDED Coverage and to authorize us to pay overdrafts on ATM withdrawals and everyday debit card transactions, you may call Member Service, send a Secure Message within Online Banking or visit any branch. CONTACT US 1 The credit union will pay overdrafts at our discretion and we do not guarantee that we will always authorize and pay any type of transaction. When we honor overdraft items, you must deposit funds immediately, but no more than 30 days from the date of the notice sent to you. The maximum dollar amount of overdrafts the credit union will cover for each member is $500, plus the $30 Overdraft Protection/Privilege Fee. Any fees imposed will reduce the maximum limit. There is a limit of seven (7) Overdraft Protection/Privilege Fees per day that we will charge to your account. While our payment of overdrafts is discretionary, we will not pay an overdraft if, but not limited to, when you are not in good standing with the credit union, the checking account hasn't been opened for a minimum of 60 days, a loan or other obligation to the credit union is past due or your account is subject to any legal or administrative order or levy. About About Us Careers Sitemap Terms Security Privacy & Disclosures Accessibility Facebook Yelp Routing Number: 321173522 NMLS ID: 508819 © 2021 Valley First Credit Union This site uses cookies to store information on your computer/device and collect personal information. Cookies help us enhance site navigation, analyze site usage, and assist in our marketing efforts. We encourage you to read our Privacy Policy to learn more about how we use cookies and how we collect and use visitor data. By continuing to use this site, you consent to the placement of these cookies. Accept