Overdraft Protections & Services
GCCU has two overdraft services to help you manage your checking account. The automatic transfer service transfers available funds from your savings account to cover your transactions if you don’t have enough money in your checking account. This service is set up automatically on all checking accounts. There is a fee for each overdraft transfer.
We also offer an overdraft line of credit, which is a loan attached to your checking account. In the event of an overdraft, the line of credit can cover expenses so that you don’t bounce checks, miss payments, or have your debit card denied. The balance on the line of credit will incur interest at your approved loan rate.