Overdraft Products

Most people don't overdraw their accounts on purpose. Life doesn't always go according to plan and mistakes can happen. Save embarrassment with Heartland’s Overdraft Products.

Overdraft Privilege Opt-In & Opt-Out (Check/ACH/POS)

As a benefit to our members, Heartland FCU offers and Overdraft Privilege Program for our checking account. The feature may save you time and inconvenience, as well as overdraft fees charged by many other companies for returned items. A transfer fee will be charged with Overdraft Protection. If Overdraft Protection is not assigned, Overdraft Privilege** may kick in and take your account up to $500 in the negative. A fee is charged whenever this privilege is utilized. If Member does not have Overdraft Protection and is not eligible for Overdraft Privilege, the item will not be paid and a fee will be charged. The Overdraft Privilege Program should only be used to cover occasional overdrafts created by checks, ACH items or point of sale (POS) debit card transactions. Please reference the Overdraft Privilege Program Account Disclosure for complete details.

Overdraft Transfer (Checks & ACH)

Overdraft Protection applies to the linking of your checking account, to your savings account or line of credit, in order to transfer funds for payment of checks or ACH items. Please reference the Overdraft Transfer Election Form for more details.

* Member is eligible for Overdraft Privilege if the following conditions are met: 1.) Account has been open for at least 60 days. 2.) Member has deposited at least $400 in the account in the last 30 days. 3.) Member is not in default on any loan obligation under account number with transaction(s) in question and 4.) Member is not continuously overdrawn for 30 days.
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