At Upward Credit Union, we understand that sometimes, life happens!
That’s why when you accidentally go over, we’ve got your back. We can help you prevent overdrafts by having funds transferred automatically through Overdraft Protection from a savings account you have with Upward for free, or through Courtesy Pay for a $30 fee per item.
Overdraft Protection applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account you may have at Upward Credit Union.
Courtesy Pay allows you to overdraw your account up to the disclosed limit for a fee to pay a transaction. Even if you have Overdraft Protection, Courtesy Pay is still available as secondary coverage if the other protection source is exhausted.
What expenses are covered?
- Courtesy Pay through standard coverage covers:
- ACH – Automatic Debits
- Recurring Debit Card Transactions
- Online Bill Pay Items
Courtesy Pay through extended coverage* covers all of the above including:
- ATM Transactions
- Everyday Debit Card Transactions
- If you have any questions about Overdraft Protection or Overdraft Privilege, please call us at (650)213-1300.
*If you choose Extended Coverage on your consumer account, ATM transactions and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Courtesy Pay Extended Coverage, it is not necessary to request it again.