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Overdraft programs

Options for peace of mind

We understand that life gets busy. If in between juggling work appointments and day care pickups you find yourself inadvertently overdrawing your checking account or if you worry about not having enough money in your account for an unexpected expense, we’ve got you covered with convenient options for overdraft coverage. 

Peace of mind

Peace of mind

Find comfort knowing your
transaction could be covered.

Overdraft Privilege

Overdraft Privilege

Available as secondary coverage if other overdraft sources are exhausted.
Avoid Late or Returned Fees

Avoid Late or Returned Fees

With overdraft options, bill payments could
be covered to help avoid late fees.

Consider the following options to have more control of your life’s unexpected expenses:

Overdraft Protection

Overdraft Protection is free to use and includes automatic savings transfer and line of credit transfers.

Automatic Savings Transfers

Link your checking and savings accounts so if your checking account gets overdrawn, we’ll automatically move money from your savings account to cover it. 

This service includes: an automatic transfer from your designated savings account to your checking account in any sum necessary to cover overdrafts up to the available balance in the savings account. All transfers to the checking account will be in increments of $100 up to the available balance in the savings account. All transfers shall be under the same member number.

Line of Credit Transfers

Apply for a line of credit1 to ensure you always have the money available to spend when you need it. If you overdraw your checking account, money will advance2 from your approved line of credit.


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1Overdraft lines of credit are subject to credit approval.
2See Line of Credit terms for minimum withdrawal and available balance requirements.

Overdraft Privilege3

Overdraft Privilege Standard Coverage:

Overdraft Privilege Standard Coverage allows you to overdraw your account up to $1,000 for a fee on ACH, checks, recurring debit card, online bill pay, teller window and internet/phone transactions.
  • A $30 fee will be assessed for each overdraft
  • Total overdrafts cannot exceed $1,000, fees not included
  • Does not require credit approval
Even if you have overdraft coverage, such as a transfer from another account, Overdraft Privilege is still available as secondary coverage if the other overdraft sources are exhausted.

Overdraft Privilege Extended Coverage:

With Overdraft Privilege Extended Coverage, this service is available to cover overdrafts caused by ATM and one-time debit card transactions in addition to Standard Coverage. You must Opt-In to Extended Coverage.

How to Give Consent for Extended Coverage

Use the options below if you’re interested in extending your Overdraft Privilege coverage to include ATM and one-time debit card transactions:

3 There is no limit on the total fees we can charge you for overdrawing your account. The amount of any overdraft including fees you owe us shall be due and payable immediately. We may elect not pay items under Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every 30-day period for a minimum of 24 hours, if you default on any loan or other obligation to TruStone Financial or if your account is subject to any legal or administrative levy. The credit union, at its discretion, can cancel this protection and cease paying overdrafts at any time without prior notice of reason or cause. You may opt out of Overdraft Protection and Overdraft Privilege at any time by calling us at 800.862.1998, or stopping by a branch. This privilege does not apply to minor accounts, trust accounts, special accounts and HSAs.

Non-Sufficient Funds Fees:

Effective April 1, 2023
  • ATM/check card overdrawn fee4, 5

    $30 per card transaction that is paid when there are insufficient funds in the account.
  • Returned ACH fee4, 5

    $30 per ACH transaction.
  • Returned check deposit fee

    $15 per deposited check.
  • Returned check draft fee4, 5

    $30 per returned check.

4An Overdraft Courtesy fee (sometimes referred to as an Overdraft fee or ODP fee) of $30 may be imposed if TruStone chooses to pay overdrafts created by checks, in person withdrawals, ATM withdrawals or other electronic means, as applicable. See Fee Schedule for additional information.
5Returned items may be re-presented for payment multiple times. A returned check fee or returned ACH fee may be imposed each time an item is resubmitted and returned due to insufficient funds.