Overdraft Protection

	Overdraft Line of Credit	Overdraft UNCLE Credit Card	No Overdraft Coverage
How does it work?	Funds from your UNCLE Personal or Home Equity Line of Credit will be advanced to your checking account to cover the transaction (subject to available funds).	Funds from your UNCLE credit card will be advanced to your checking account to cover the transaction.	Checks and electronic (ACH) transactions will be returned unpaid. Automatic recurring debit card transactions will be declined. Everyday debit card transactions will be declined at the point of sale or when you swipe and sign.
What does it cover?	Checks Automatic recurring debit card transactions Electronic transfers (ACH) Everyday debit card transactions	Checks Automatic recurring debit card transactions Electronic transfers (ACH) Everyday debit card transactions	N/A
What does it cost?	Free for the advance. Daily interest is charged on the outstanding balance.	Amount transferred will be charged a 2% cash advance fee, and daily interest is charged on the outstanding balance.	Transactions will be charged a $35.00 Non-Sufficient Funds-Item Returned fee.
Are there any restrictions?	If your loan payment is late, the transaction may not be processed.	If your credit card payment is late, the transaction may not be processed.	N/A
How do I sign up?	Through Online Banking* or call us at 925.447.5001.	Through Online Banking* or call us at 925.447.5001.	Call us at 925.447.5001, if you'd like to opt out of Courtesy Pay.
How do I make changes?	Through Online Banking* or call us at 925.447.5001.	Through Online Banking* or call us at 925.447.5001.	Call us at 925.447.5001.

*You must be enrolled in Online Banking and already have a savings account, money market account and/or line of credit. Once logged in, click on the 'gear wheel' to the left of your checking account, select Overdraft Protection from the menu and select which accounts you want to use for overdraft. If you'd like to open a new savings account, money market account or line of credit click on Application Center within Online Banking, then follow the steps in the previous sentence.

	Business Courtesy Pay	No Overdraft Coverage
How does it work?	Instead of a transaction being returned or declined, UNCLE may pay the transaction on your behalf.	Checks and electronic (ACH) transactions will be returned unpaid. Automatic recurring debit card transactions will be declined. Everyday debit card transactions will be declined at the point of sale or when you swipe and sign.
What does it cover?	Checks Other transactions made using your checking account number Automatic recurring/electronic transfers Everyday business debit card transactions ATM transactions	N/A
What does it cost?	$35.00 per transaction. After the transaction is paid by UNCLE, you will be asked to make a deposit to cover the negative balance in your account.	Transactions will be charged a $35.00 Non-Sufficient Funds-Item Returned fee.
Are there any restrictions?	Transactions will be paid up to your Courtesy Pay Limit.	N/A
How do I sign up for Business Courtesy Pay?	Business debit card holders are automatically enrolled into Business Courtesy Pay.	Business debit card holders are automatically enrolled into Business Courtesy Pay. To receive no overdraft coverage, please call us at 925.447.5001 or visit an UNCLE financial center.
How do I make changes?	Call us at 925.447.5001 or visit an UNCLE financial center.	Call us at 925.447.5001.

UNCLE CU uses the available balance at the time a card transaction, check, and/or ACH transaction is presented to determine whether the transaction will be paid and if a Business Courtesy Pay fee will be assessed. UNCLE Credit Union is not under any obligation to pay overdrafts, except business debit card transactions that are authorized for payment. UNCLE CU’s Business Courtesy Pay is a discretionary service automatically available to members who maintain their business checking account in good standing, providing overdraft coverage to prevent items/transactions from being returned or declined.

Business checking accounts protected by Business Courtesy Pay have an overdraft limit that determines the maximum amount of overdraft protection available. While there is no fee to have this service, you will be charged a Business Courtesy Pay fee in accordance with our Fee Schedule when UNCLE CU pays an overdraft item for you. You have the option to “opt-out” of Business Courtesy Pay at any time if you do not want UNCLE CU to pay overdraft items when your account balance has insufficient funds to cover items presented for payment. To opt-out of Business Courtesy Pay, you may do so in person at one of our financial center locations, or by calling 925-447-5001.