Overdraft Protection

Checking Account Overdraft Protection Programs

Peace of mind with All One Credit Union

Let’s face it – overdrafts on your checking account can be embarrassing, costly and time-consuming to straighten out. You have better ways to spend your time and money. Avoid the hassles, and write checks with peace of mind when you have Overdraft Protection from All One Credit Union.

Overdraft Protection (Sweep)

Safeguard your account from overdrafts. To help protect your account from being overdrawn, you may establish an automatic transfer – at no cost – from another eligible account to your checking account. This service will initiate a transfer whenever your checking account’s available balance falls below $0.00 (zero) helping to prevent overdrafts and maintain financial stability.

Set up Overdraft Protection in Minutes Within Online or Mobile Banking

From Online Banking on Desktop:

  1. Navigate to Accounts and click Overdraft Protection
  2. Click + Add as backup next to the available account to add it as the backup (you can select up to five accounts).
  3. To change the order of the backup accounts, click Reprioritize Backup Accounts, and click and drag the double arrow icon to rearrange the order
  4. Click Done
  5. Select the I Agree checkbox and click Save Changes

From the All One Credit Union Mobile App:

  1. Click the More icon in the bottom menu
  2. Click Accounts
  3. Click Overdraft Protection
  4. Click Add Backup next to the appropriate account
  5. Select the checkbox next to the account you would like to add as backup
  6. Tap X to close the Add Backup Accounts window
  7. Tap Done

Overdraft Line of Credit

Easy, overdraft protection for your security

Overdraft Protection is easy, and there are no annual fees, no application fees, and no fees for overdrawing. If you qualify, you could receive a line of credit from $500 – $2,000 on your checking account. Should you happen to overdraw your account, an automatic transfer takes place and covers your overdraft up to your line limit.

Simple Repayment Plans*

Each month that your overdraft line has a balance, the monthly payment will be automatically taken out of your designated AOCU account. You pay monthly interest plus 6.5% of the outstanding balance, or $20, whichever is greater. As you pay down the balance, the funds become available to you again and again – for as long as you like.

We offer 2 additional overdraft options. Please call us at 800-649-4646 or visit a branch location for more information on these additional options.

Consent Form for Courtesy Pay

Consumer Overdraft Protection Information and Application

Business Overdraft Protection Information and Application

*Annual Percentage Rate (APR) of 18% charged on the outstanding overdraft balance. Automatic overdraft transfers are made in the exact amount of the overdraft. No annual fee. Payment of monthly interest and minimum $20 principal required.