Overdraft Protection
Life can be unpredictable. We offer comprehensive overdraft protection to provide you with the support (and peace of mind) you deserve.
What is Overdraft Protection?
Your Financial Safeguard
TVFCU offers free Overdraft Protection. Overdraft protection lets you link another savings or checking account to your main checking account. If your checking account doesn’t have enough money to cover a purchase, funds will automatically transfer from the linked account to cover the difference—helping you avoid fees or declined transactions.
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What is an NSF fee?
TVFCU Does Not Charge NSF Fees
NSF is short for non-sufficient funds. This fee is charged when a transaction is declined due to not having enough funds in your account. TVFCU does not charge NSF fees, to help members who may be struggling financially, reducing financial repercussions for those trying to get back on track.
What is Courtesy Pay?
Account Protection for Busy Lives
Courtesy Pay is an optional service that allows your account to go negative so a transaction can be completed. Please note the following:
- TVFCU charges a $9 Courtesy Pay fee to allow the transaction to go through.
- When you begin your checking account you are automatically opted-in for Courtesy Pay Service on checks and ACH items.
- You may choose to opt in for debit card transactions.
Stay Informed With YOUR$ Digital Banking
To stay one step ahead of your finances, we encourage you to utilize YOUR$ Digital Banking. This allows you to prevent overdrafts by checking real-time accounts, setting up low-balance alerts, transferring funds between accounts, and reviewing transaction history.
Find Out MoreFrequently Asked Questions
- NSF declines the transaction, while Courtesy Pay allows it to go through.
- Courtesy Pay is an optional service, while NSF is not.
To avoid Courtesy Pay, choose to not opt in for that service. To avoid an NSF fee, there are a few different things you could do:
- Bank with TVFCU to eliminate NSF fees completely! Learn more about our checking account benefits here.
- Sign up for overdraft protection. Overdraft protection is a service that allows transactions to go through by designating a backup bank account (checking or savings) to cover the remaining balance of a transaction on the main bank account.
- Keep an eye on your account balances. Checking even just once at the beginning of each day can help to avoid overspending. The TVFCU YOUR$ Mobile app makes it easy to check account balances, transaction history, receive alerts, and so much more. Visit our YOUR$ Digital Banking page for more information.
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