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Accidents happen — they shouldn’t wreck your credit. We have options available to cover accidental overages.

An overdraft occurs when you do not have enough money available in your account to cover a transaction, but Advantage Financial pays it anyway. We cover overdrafts in three ways:

  • A link to a savings account
  • A link to an overdraft line of credit
  • And, Courtesy Pay1 

Advantage Financial does not authorize and pay overdrafts for transactions unless you authorize us to pay them. Contact us in order to opt into the best overdraft protection option for you; email tellus@advfcu.org, visit a branch or call us at 800-822-6875.

View our FAQ for more information.

 

1Instead of returning the transaction to the merchant for insufficient funds, we pay it and temporarily overdraw your account (up to a maximum of $700). Courtesy Pay fees may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. You have 45 days to return your account to a positive balance after using Courtesy Pay. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

1Up to a maximum of $700.