Overdraft transfers from credit lines will be made to the nearest $0.01 and transfers from a savings account will be made in $100.00 increments. If you do not have $100 available to transfer, transfers will be made up to the amount available necessary to cover the overdraft item(s). If the overdraft protection source accounts do not have enough funds available to cover the full amount of the transaction(s), then you may still receive overdraft or return item fees.
Transfers from a savings account are limited to 6 electronic transfers in a month as required by truth in savings, and will be declined once the limit has been reached. Please refer to the Transfer Limitations section of the Membership and Account Agreement for additional information.
Funds are automatically transferred at the end of our daily processing cycle to cover purchases, prevent returned checks, and declined transactions if you have insufficient funds in your checking account. Without Overdraft Protection, you will generally incur a fee for each transaction presented when funds are insufficient/unavailable. For more information about transaction and balance processing, see Balances and Transactions Overview section of this FAQ below.