Overdraft Solutions

Instead of going negative in your checking account, Overdraft Transfers allows you to cover your transaction with funds from your CCCU saving account, money market or checking line of credit.

With Overdraft Transfers you must have funds available in the account you have set up for Overdraft Transfers or your transaction could be declined if you did not opt-in to Courtesy Pay. There is no fee for using Overdraft Transfers. 

Get up to 6 free automatic transfers each month. Call us at (800) 223-2801 to have Overdraft Transfers set up on your account.

 Apply for a checking line of credit (LOC) and avoid costly overdraft fees. In the event there isn't enough money in your checking account, your line of credit will automatically advance to cover overdrafts.

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.