Overdraft Protection/Line of Credit 

For added protection of your SDPECU Share Draft/Checking account(s), an Overdraft Protection/Line of Credit Account can be activated.  With Overdraft Protection, your checking account is protected if you write a check or make a debit purchase for more money than you have in your checking account.  Funds are debited from your Overdraft Protection source to cover any checking account shortages that may occur.  With Overdraft Protection, your checks won't bounce, and you won't incur additional fees from merchants and creditors.

Overdraft Privilege:  SDPECU now offers checking accountholders in good standing the added benefit of Overdraft Privilege. Overdraft Privilege is a courtesy overdraft protection plan that covers checking account shortages when you write a check, withdraw from an ATM, make a debit card purchase, or pay bills electronically without the funds available to cover the expense. The benefit to you is you’ll save the hassle of “bouncing” a check and the expense of incurring non-sufficient fund fees. With Overdraft Privilege, you’ll pay only the standard Returned Draft fee of $28 per check covered with no special handling fees, no interest charges, and no merchant charges.

For more information, please call a Lending Officer at (916) 921-5050, ext. 264.

By members' choice, this institution is not Federally insured.