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Overdraft Protection Options

Coverage for when the occasional “oops” happens

Overdraft Coverage Options

We know mistakes can occur. That’s why we offer four convenient overdraft coverage options to provide assistance and peace of mind.

  • Transactions Covered

    Transactions Covered

  • Coverage Limit

    Coverage Limit

  • Checks

    Checks

  • ACH automatic Debits

    ACH automatic Debits

  • Recurring Debit Card Payments

    Recurring Debit Card Payments

  • Online Bill Pay Items

    Online Bill Pay Items

  • ATM Transactions

    ATM Transactions

  • Everyday Debit Card Transactions

    Everyday Debit Card Transactions

  • Fee

    Fee

BASIC OVERDRAFT PROTECTION or PERSONAL LINE OF CREDIT 1

  • Transactions Covered

    Automatically transfers available funds from your NIHFCU Share to Checking account or Personal Line of Credit 1

  • Coverage Limit

    Depends on amount of available funds

  • Checks

  • ACH automatic Debits

  • Recurring Debit Card Payments

  • Online Bill Pay Items

  • ATM Transactions

  • Everyday Debit Card Transactions

  • Fee

    No per-item fees to link your share or checking account

    Interest applies for Personal Line of Credit advances 1

COURTESY PAY

(no action required)

  • Transactions Covered

    Covers noted transactions when other NIHFCU funding sources are exhausted

  • Coverage Limit

    $700

  • Checks

  • ACH automatic Debits

  • Recurring Debit Card Payments

  • Online Bill Pay Items

  • ATM Transactions

  • Everyday Debit Card Transactions

  • Fee

    $0 per overdraft up to $10

    $30 per overdraft over $10

COURTESY PAY PLUS

(your consent required)

  • Transactions Covered

    Adds ATM & Debit overdraft Coverage when other NIHFCU funding sources are exhausted

  • Coverage Limit

    $700

  • Checks

  • ACH automatic Debits

  • Recurring Debit Card Payments

  • Online Bill Pay Items

  • ATM Transactions

    Your consent is required 2,3

  • Everyday Debit Card Transactions

    Your consent is required 2,3

  • Fee

    $0 per overdraft up to $10

    $30 per overdraft over $10

How To Consent to Courtesy Pay Plus

To extend your Courtesy Pay coverage to include everyday debit and ATM transactions,2, 3 select one of the following options:

  • Log in to Online Banking, click “Tools & Resources,” then “Courtesy Pay,” or
  • Call us at 800-877-6440, or
  • Stop by any branch, or
  • Click below for a secure form
Consent to Courtesy Pay Plus
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Contact Us

Call Us

1-800-877-6440

Visit a Branch
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Disclosures

All information is as of 01/20/2026 and subject to change without notice.

1)

Personal line of credit subject to credit approval. Interest charges apply. Not available for business accounts.

2)

If you choose Courtesy Pay PLUS, ATM withdrawals and everyday debit card transactions will be paid as provided above. You can discontinue Courtesy Pay PLUS by contacting us at 1-800-877-6440, stopping by a branch or emailing us via our Secure Messaging Center only.

3)

Minor, trust, club & organizational and deceased member accounts are not eligible for Courtesy Pay. Members with the following conditions on their account(s) are temporarily ineligible for courtesy pay but may become eligible once the condition(s) are removed: Past due NIHFCU loan; charged-off NIHFCU loan; accounts with a negative balance for more than 31 days; consumer checking account open less than 31 days; business checking open less than 61 days, accounts with levies, garnishments or bankruptcies, regular share account with balance under $1. Courtesy Pay is a privilege offered by NIHFCU for Checking account members that are in Good Standing, and may be revoked at any time at the discretion of NIHFCU. Fees may be assessed in accordance with the NIHFCU schedule of fees. ATM fees and surcharges from the ATM owner apply and will not be waived by NIHFCU.

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