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 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.