There may be times when you may overdraft your checking account. We understand that these things can happen.  We offer several overdraft options to give you peace-of-mind when managing your QCU checking account.

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in several different ways:

• Overdraft Sweep
• Overdraft Line of Credit  
• Standard Overdraft Protection Program (Below) 

*Eligible checking accounts will be automatically enrolled in QCU’s Standard Coverage Overdraft Protection Program which covers the following transactions:

We will authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• ACH – automatic debits
• Recurring debit card payments
• Online bill payments
  

There are fees associated with Overdraft Protection, click here for our fee schedule.  

Opt-in to our Extended Overdraft Coverage.  Extended Overdraft Protection  is optional and includes all of the transactions listed above, including everyday debit card transactions. Opt-in to the Extended Overdraft Protection Program is required. See below to get started.