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Overdraft Defense Protection

Image of man paying with ease at counter with Overdraft Defense

Advantages Overdraft Defense™ helps protect you against having your items returned in the event of an inadvertent overdraft of your account by giving you a reserve for emergencies or unexpected situations. There is no fee for having this privilege on your account; you are only charged if you overdraw your account. You do not have Advantages Overdraft Defense™ on your account until you receive written confirmation from us that it has been added to your account.

  • Save money and inconvenience when Advantages Overdraft Defense™ covers the overdraft and the merchant never has reason to charge a fee.
  • Saves embarrassment at point of sale when purchases are covered by your Advantages Overdraft Defense™ limit.
  • Enjoy peace of mind knowing that in the event of an emergency Advantages Overdraft Defense™ will cover your debt when funds are low.

Interested? Call 800-288-6423

This service is a privilege offered as an additional benefit of doing business with UECU. It is our pleasure to make this courtesy available to you through Advantages Overdraft Defense™

  • This is a non-contractual service which allows a member’s account to go negative in order to pay an item.
  • Should an overdraft occur, your account will be charged the standard fee of $30 for handling each item even if paid by Advantages Overdraft Defense™.
  • If multiple items are presented against your account on the same day, each item will be assessed the fee.
  • There are no additional fees for having this service, and you only incur charges when Advantages Overdraft Defense™ is used.
  • When your items are paid, this service will save you the embarrassment and inconvenience of a returned item as well as the fee normally charged to you by merchants for items returned to them.
  • Members with existing Overdraft Protection may receive Advantages Overdraft Defense™ only after any Overdraft Protection has been exhausted.
  • Eligible accounts receive overdraft limits from $300 to $750. Accounts become eligible for Advantages Overdraft Defense™ at account opening.
  • Members may access Advantages Overdraft Defense™:
    • Through share draft and ACH transactions
    • At the teller window
    • Using Advantages Online™ and PAL™
  • Members must opt in to receive this service:
    • At the ATM
    • Using a debit card (signature and PIN-based) for an everyday transaction
  • Members cannot use this service for automatic payments to a UECU loan.
  • Members have an option to opt out of the service in its entirety and can ask to be reinstated at UECU’s discretion and subject to certain criteria.
  • Accounts that utilize Advantages Overdraft Defense™ will have 30 days to bring their account to a positive balance. Your next deposit will be used to repay the amount of the overdraft and the normal overdraft fee.
  • The positive balance needs to remain for a minimum period of 24 hours.