Overdraft Solutions

Q: How do Overdraft Transfers work?

Overdraft Transfers move available money from a linked CCCU savings account, money market account, or Checking Line of Credit to cover a purchase or payment.

Q: Is there a fee for Overdraft Transfers?

CCCU doesn't charge a fee for Overdraft Transfers, and members receive up to six free automatic transfers each month.

Q: How does a Checking Line of Credit work?

A Checking Line of Credit advances available credit automatically to cover an overdraft.

Q: What is Courtesy Pay Coverage?

Courtesy Pay Coverage allows transactions to process even when funds are not available in your checking account - up to a certain limit. This means if you are trying to make a payment out of your checking account – whether it is with a check or debit card – but don't have enough funds, City & County will allow the transaction to go through and your account to go negative. This keeps you from having declined transactions or bounced checks. For every Courtesy Pay transaction that is processed, a $35 standard overdraft fee will be applied to your account. Courtesy Pay Coverage may be selected at account opening. If you already have a CCCU Checking account, call us at (800) 223-2801 to verify the Courtesy Pay Coverage status on your account. Learn more about Courtesy Pay Coverage to protect your account when you do not have sufficient funds.

Q: What does Courtesy Pay Coverage cost?

Courtesy Pay Coverage applies a $35 standard overdraft fee for every transaction it processes.

Avoid the
Overdraft Surprise

Compare three ways CCCU can help cover a low balance before a payment gets declined.

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Find the Right Backup for Your Balance

Overdraft Transfers

Use funds from a linked CCCU savings or money market account to cover a transaction.

Checking Line of Credit

Apply for a line of credit that advances automatically when your balance comes up short.

Courtesy Pay Coverage

Allow eligible checks and debit card purchases to process for a $35 standard overdraft fee.

Overdraft Solution FAQs

How do Overdraft Transfers work?

Is there a fee for Overdraft Transfers?

How does a Checking Line of Credit work?

What is Courtesy Pay Coverage?

What does Courtesy Pay Coverage cost?

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Keep Your Account Covered

Call us, apply for a Checking Line of Credit online, or stop by a branch to talk through your options.

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Overdraft Solutions

Avoid the
Overdraft Surprise