Overdraft protection

There’s no reason to not have your checking account protected. We can help you avoid the hassle and embarrassment of accidental overdraft.

Basic Overdraft Protection

In the event that a balancing error or mistake made in your checking account results in a balance insufficient to pay a check item, the amount needed to pay the presented item will automatically be transferred from your savings account. This overdraft protection from the savings account is free to all members with active checking accounts.

Advanced Overdraft Protection

Should a check item be presented for payment and the amount needed to clear this item is not fully available in the savings account, an Advanced Overdraft Protection method is available. This advanced service will pay the check item for you saving you any potential NSF fees and embarrassment with another merchant. It is your responsibility to bring the account to a positive balance immediately thereafter. There is a fee for this Advanced Overdraft Protection, and that fee applies to each check item that is paid. Advanced Overdraft Protection will allow transactions up to $300 in the negative, including all applicable fees. Some restrictions and limitations may apply. This service is automatically associated with your checking account and you can decline it at any time.

Enroll in Overdraft Protection Today
Shot of a young woman using a laptop while working from home
Allow Us to Say Thank You With Our Member Rewards

At Blue Chip FCU, we feel strongly that the loyalty our members show to us should be rewarded.

Learn More About Our Member Rewards
It’s Time to Drive Away in the Perfect Automobile for You.

With extremely low rates and terms, whether you are buying a mini-van for your expanding family or a sports car for your empty nest, Blue Chip FCU can help put you in the right loan for your budget.

Apply for Your BCFCU Auto Loan Today