Overdraft Advance
At Community 1st Credit Union, we understand unforeseen expenses sometimes occur when you might not have enough money in your account to cover those unexpected costs. By clicking the Apply Online button below and submitting your information, you can easily protect your account and avoid being embarrassed or inconvenienced from having debit card transactions declined. You will still pay a fee each time we pay an overdraft, but you will not be caught having your debit card transaction declined because of a lack of funds.
Overdraft Advance is a privilege offered to you by Community 1st Credit Union to cover any overdraft amount up to $500.00 without having insufficient share drafts (checks, automatic debits originated through the automated clearing house system(ACH), service charges or check charges, and debit card transactions) sent back to the merchant. C1st automatically subtracts a fee for each transaction. As long as you follow-up within 30 days by covering the overdraft and fee amounts, your account will remain in good standing for overdraft coverage. This saves you the hassle, extra costs and embarrassment of a returned share draft (check). Overdraft Advance is immediately available to all qualified member accounts including new accounts after a 30-day grace period. A $500 Overdraft Advance limit applies to the primary checking account.
Overdraft Advance is not a loan or line of credit. It is a service to our members, and a privilege extended to you by C1st. It's designed to provide overdraft coverage without the added expense of merchants' returned share draft fees. It is a non-contractual privilege that may be revoked at the discretion of Community 1st Credit Union if overdrafts and fees are not covered by the member in a timely manner. And you'll never pay for Overdraft Advance unless you need it.
The security of Overdraft Advance is yours today! Consider yourself covered!
