Overdraft Privilege Services

Overdraft Protection

Optional Overdraft Privilege Service* (ODP)

Life happens! The United Federal Credit Union understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.

“With our busy lives, it’s easy to make mistakes such as forgetting to deposit a check, make a transfer, or deduct your last debit charge from your balance. A simple error or balance miscalculation can lead to an unexpected shortage of funds.

The United Federal Credit Union (TUFCU) may have the solution you’re looking for with our Overdraft Privilege program.  Overdraft Privilege is not a line of credit.  However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to your Overdraft Privilege. See below for more information about your overdraft coverage options.

TUFCU will not pay overdrafts for ATM or everyday debit card transactions unless you have given your consent by opting in to the payment of these overdrafts. Please click  HERE” for more information about opting in to extend your Overdraft Privilege coverage.


The choice is yours. Consider these ways to cover overdrafts:

  • Overdraft Protection Link to Another Deposit Account you have at The United Federal Credit Union ($1.00 fee per transfer.)
  • Overdraft Privilege ($30.00 Overdraft Fee per item).

Please read our disclosure for more details.

OVERDRAFT PROTECTION SERVICES apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account you may have at The United Federal Credit Union for a fee. Call us at (304) 598-5010, email us at odsupport@tufcu.org, or come by a branch to sign up for this service.

 Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction.  Standard Coverage includes checks, ACH (automatic debits), recurring debit card transactions, teller transactions, and telephone and internet banking transactions.  If you choose Extended Overdraft Privilege Coverage, ATM withdrawals and everyday debit card transactions will be included with the Standard Coverage transactions listed above.

If you would like to select Extended Coverage for future transactions:

  • call us at (304) 598-5010
  • complete the consent form found at www.tufcu.org and mail it to us at 3 Sunset Beach Road, Morgantown, WV  26508
  • visit any branch
  • e-mail us at odsupport@tufcu.org

You can discontinue the Overdraft Privilege in its entirety by contacting us at (304) 598-5010 or sending us an e-mail at odsupport@tufcu.org.