You understand that we may, at our discretion, honor withdrawal requests that overdraw your account. The fact that we may honor such requests does not obligate us to do so later. You cannot rely on us to pay overdrafts regardless of past practice. We may change our practice without notice. Ask about other services such as an overdraft protection line of credit or sweeping funds from another ASCU account. For consumer accounts, we do not charge fees for overdrafts caused by ATM withdrawals or one-time debit card transactions if you have not opted in. We may use subsequent deposits, including government benefits, to cover overdrafts and fees.

If an item/transaction is presented in an amount greater than the available funds and we do not pay it, we may charge an NSF fee for returning the payment. Items may be presented multiple times by the merchant/payee until paid; we may charge an NSF fee each time if funds are insufficient. See Understanding Your Account Consumer Disclosure 2023.07.17 for details.

• $0.01–$30.00 – No Charge
• $30.01–$100.00 – $25.00
• $100.01 and over – $28.00

*Prestige: If your balance falls below $2,000.00 on any day during the month, a $10 monthly fee applies and the account will not earn a dividend for that day.

**A “draft path” may protect your account from overdraft by pulling available funds from other ASCU accounts you designate (set up in branch or within digital banking).

***Overdraft Protection Program is a method by which transactions could be covered up to a dollar limit. See account disclosures for details; fees may apply.

If you want ASCU to authorize and pay overdrafts on ATM and everyday debit card transactions, you may opt-in through Online Banking. You may opt-out later using the same methods.