If you experience difficulty locating your account information, please contact one of our representatives by phone at 361-986-4500 or 1-800-622-3631, option 2 or visit any of our branches.

What You Need to Know about Overdrafts and Overdraft Fees


An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdraft practices that come with your account (Courtesy Pay).
2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?
We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. Your checking account has two types of balances: the "actual" and the "available" balance. We use your available balance when determining whether a transaction will cause your account to overdraw and for charging overdraft fees. You can review your balance online, at an ATM, by phone or at a branch. Ask us to learn more about the difference between the two balances.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if NavyArmy pays my overdraft?

Under our standard overdraft practices:

-We will charge you a fee of $30.00 for any transaction that overdraws your account.
There is no limit on the total fees we can charge you for overdrawing your account.

What if I want Navy Army Community Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, please provide your information and follow the links below to make your selection about opting-in to this service.
  
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