August 13, 2026

No Overdraft Surprises

Kim Gunter

VP, Marketing

Checking that puts people first

No overdraft surprises.

Life has enough surprises. Your checking account fees shouldn’t be one of them. Switch to TVFCU for clear, member-friendly overdraft options—and a Perks account that gives you more every day.

Find your Perks account →
See how you’re protected

NSF fees on TVFCU checking accounts

Overdraft protection transfers from linked TVFCU savings

Low fee when optional Courtesy Pay is used

A little breathing room goes a long way

Three ways TVFCU helps take the stress out of overdrafts

No NSF fees

If a transaction is returned because there isn’t enough money in your account, TVFCU does not charge an NSF fee. One difficult moment doesn’t have to become more expensive.

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Free overdraft protection

Link an eligible TVFCU savings account to checking. Available funds can transfer automatically to help cover a shortfall—with no overdraft transfer fee.

Low-cost Courtesy Pay

Courtesy Pay is an optional service that may allow an eligible transaction to go through. If Courtesy Pay is used, the fee is just $9.

Learn more about overdraft protection →

$6M

saved by members in 2025

Member success, shared

We eliminated NSF fees because it was the right thing to do.

NSF fees can hit at the exact moment someone can least afford another expense. So, in 2025, TVFCU stopped charging them—saving members $6 million that year.

We were able to make that change because of the consistent support of our members and communities. Their trust has helped TVFCU remain financially successful for our member-owners while finding a better way forward without NSF fees.

That’s the credit union difference: when we do well together, we can do more for the people we serve.

More than peace of mind

Find the Perks Checking account that fits you

Every TVFCU checking account offers the same overdraft safeguards. Perks accounts add discounts, everyday protection, and options that can help your money work harder.

Best for everyday value

Perks Checking

Useful savings and protection without overcomplicating your checking.

Shopping, dining, and travel discounts
Cell phone protection up to $400 per claim
Identity theft aid and monitoring
Roadside and purchase protection
$6 monthly service fee

Open Perks Checking →

Balanced value

Best for benefits + dividends

Perks Plus Checking

Earn dividends while enjoying the protection and savings of Perks.

Earn up to 0.25% APY
No activity requirements to earn
Cell phone protection up to $400 per claim
Identity theft aid and roadside assistance
$8 monthly fee, waived with a $1,500 daily balance

Open Perks Plus →

Best for higher balances

Perks Platinum Checking

TVFCU’s best checking rate plus expanded protection benefits.

Earn up to 0.50% APY
No activity requirements to earn
Cell phone protection up to $600 per claim
$25,000 travel accidental death coverage
$10 monthly service fee

Open Perks Platinum →

Compare all checking accounts →

Stay a step ahead

Know where your money stands with YOUR$ Digital Banking

Manage your accounts wherever life takes you. YOUR$ Digital Banking gives you the visibility and tools to bank with confidence.

Check balances and history
Set low-balance alerts
Transfer between accounts
Deposit checks and pay bills
Monitor your credit score
Build and manage a budget

Straight answers

Overdraft questions, answered

What is an NSF fee?

NSF stands for non-sufficient funds. Some financial institutions charge an NSF fee when they return a transaction because there isn’t enough money in the account. TVFCU checking accounts have $0 NSF fees.

What is overdraft protection?

Overdraft protection lets you link an eligible TVFCU savings account to checking. Available money can transfer automatically from the linked account, and TVFCU does not charge a fee for these transfers.

What is Courtesy Pay?

Courtesy Pay is an optional service that may allow an eligible transaction to be paid when there isn’t enough money in your account. TVFCU charges a $9 Courtesy Pay fee when the service is used.

Is Courtesy Pay the same as overdraft protection?

No. Overdraft protection uses available money from a linked TVFCU account. Courtesy Pay may allow TVFCU to pay an eligible transaction when sufficient funds are not available, creating a negative balance and a $9 fee.

Which Perks account is right for me?

Choose Perks Checking for everyday discounts and protection at the lowest Perks monthly price. Choose Perks Plus if you want dividends and can maintain a $1,500 daily balance to waive the fee. Choose Perks Platinum if you want TVFCU’s best checking rate and enhanced protection benefits.

Ready for checking that feels better?

Make the switch. Keep the peace of mind.

Choose the TVFCU Perks account that fits your life and leave high overdraft fees behind.

Find your Perks account →
Talk with TVFCU

Courtesy Pay: Courtesy Pay is optional, subject to eligibility, and is not guaranteed. A $9 fee applies each time Courtesy Pay is used. Members are automatically opted in for Courtesy Pay on checks and ACH items and may opt in for eligible debit card transactions. Overdraft protection transfers require sufficient available funds in an eligible linked TVFCU account.

Rates and benefits: APY = Annual Percentage Yield. Rates are subject to change. Perks benefits are subject to the applicable Guide of Benefits. Participating merchants are subject to change and may not be available in all regions. Insurance products are not deposits, are not NCUA-insured, are not insured by any federal government agency, and are not guaranteed by the credit union. Identity and credit monitoring require activation.