Overdraft Protection

Overdraft Protection is now $0.99 cents*
A Little "Change" Can Make a Big Difference

Just in case, Overdraft Protection is here for you when you accidentally overdraft. We’ve all been there; you may have lost track of the balance or just forgot to transfer funds. Save yourself the time, hassle, and money on merchant fees that could happen with a returned transaction.

When you sign-up for ODP, we can help pay overdrafts on the following types of transactions*:

• Checks
• Automatic bill payments
• Preauthorized automatic debits
• Other transactions made with your account number

Ready to enroll?
Text or call us at 517-622-6600 or speak with a LAFCU representative through our online chat.

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*A member must repay or cover an overdraft within 35 days or Overdraft Tolerance will be suspended until the account is brought to a current or positive balance. The fee for payment on each overdraft is $0.99 cents. The credit union may pay for an overdraft created by check, ATM withdrawal, or other electronic means if a member has opted into Debit Card Overdraft (Reg E) and qualifies for Overdraft Tolerance. Overdraft protection is available to individual consumer accounts only. Other restrictions may apply. **Restrictions apply.

• If you previously enrolled in Overdraft Tolerance (ODT) prior to, you will not need to opt-in for coverage unless you need debit card coverage (Reg E opt-in).
• If you are a new member, you do not automatically qualify for ODT. You must opt-in to the program for Debit Card (Reg E) ODT coverage.
• After 35 days delinquency or a negative balance on a loan or payment, ODT will be suspended until you bring your account to a positive balance.
• There is an account minimum balance of $5 which is determined by the date the member joined the credit union.