Overdraft Protection


Overdraft Protection

An overdraft occurs when you do not have enough funds in your account to cover a transaction, but we pay the charge for you.

We can cover your purchases in 3 different ways:

1. SAVINGS - If you do not have enough funds in your checking account, the charge can be paid from your savings account to cover the difference or the entire purchase amount. There is no fee for this type of overdraft.

2. SD75/LINE OF CREDIT - We connect a Line of Credit to your checking account and any charge that overdraws your checking account is charged to the line of credit. If a balance is carried on the line of credit, you will be charged interest and a minimum monthly payment. This product not only helps cover any overdrafts, it also helps build your credit score.

3. COURTESY PAY - A set limit determined by the Credit Union ranging from $101-$700 that will allows charges to be paid up to that amount. Account users will be charged $22 per transaction on any charge above $100. The first $100 is FREE at no charge to you.

What fees will I be charged if Access Community Credit Union pays my overdraft?

Standard overdraft practices:

A fee of $22 will be applied each time an overdraft is paid when funds are not available.

The "All Access" checking account comes with a free $100 overdraft limit, you will not be charged an overdraft fee up to the first $100.


With 4 locations and over 40 ATMs in Amarillo, and over 50,000 ATMs nationwide, you can be sure that you have Access whenever you need it.

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Access Community Credit Union is committed to serving all persons within our field of membership, including those with disabilities. We strive to make not only our physical branches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 1-800-687-2990 so that we may promptly assist you and remedy any accessibility concerns.

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