Negative Overdraft Protection: You're at the grocery with a cart-full of food, the line is growing...and you swipe your VISA Debit Card. There's no need to worry. Life is hectic and we know there are times you lose track of your account. Heartland FCU will more than likely still cover your transaction(s) up to $500. Right now this is automatic, but new regulations will require you to give us permission to continue this valuable service for you. E-mail marketing@hfcudayton.com and ask for a form today to continue this benefit.