Life Happens, Fees Don't Have To
May 19, 2025
At Tennessee Valley Federal Credit Union (TVFCU), we understand that managing your finances isn’t always easy. Life is unpredictable, and sometimes your checking account balance might dip lower than expected. That’s why we offer several low- and no-fee options to help protect your account without adding financial stress.
$0 Non-Sufficient Funds (NSF) Fees
When there aren’t enough funds in your account to cover a transaction, you shouldn’t have to pay extra for that. At TVFCU, if a transaction is declined or a check or ACH payment is returned due to insufficient funds, you pay nothing. That’s right—our NSF fee is $0.
Free Overdraft Protection Transfers
For added peace of mind, TVFCU offers free overdraft protection transfers from your savings account. If your checking account doesn’t have enough to cover a transaction, we’ll automatically move the necessary funds from your savings account at no cost to you. It’s just another way we help you keep your finances on track.
Low $9 Courtesy Pay Overdraft Protection
Sometimes you need a little extra flexibility. That’s where our Courtesy Pay Overdraft Protection comes in. For just $9 per covered transaction, TVFCU allows your ACH payments and checks to clear—even if they exceed your available balance—so you can avoid the hassle of returned payments. This service is provided automatically for ACH and check transactions, giving you one less thing to worry about. To opt out of this service, or to opt-in on debit card transactions, just give us a call.
Here to help
At TVFCU, we believe that life happens, but fees don’t have to. Our mission is to help you manage life’s financial ups and downs with affordable solutions that work for you. To learn more about our account options:
- Call us at 423-634-3600 7 a.m. - 7 p.m. Monday - Saturday
- LIVEStream Video Chat
- Contact Us