Overdraft Protection Options (#3946)
Last Modified: 4/02/2014 4:29 PM
What types of overdraft protection are available for my Checking Account?
When your account is first opened, your Primary Savings Account is set up as overdraft protection for your Checking Account. Please be mindful however of the withdrawal limitations on savings accounts subject to Reg D. Exceeding these limitations may result in fees and/or the transactions being declined. You may also use your Additional Savings, Money Market Accounts, a Personal Line of Credit and/or your Delta Community CU Visa Credit Card as overdraft protection for your Checking Account. (Home Equity Line of Credit loans can not be used for overdraft protection.) To change your overdraft protection, please see below.

You can apply online from your Online Banking account for any of these loans or by calling 800-544-3328.

(Overdraft protection cannot be established for your Savings Account withdrawals).

How many transfers am I allowed each month from my Savings Account?
Each month you are allowed six (6) transfers from your Savings and Money Market Accounts per Reg D. Click here for more information on Reg D.

How do I change the overdraft protection order on my Checking Account?

To add, delete or change the order of the overdraft protection:
  • Send a request online using the secure Message Center
  • Fax your request with your signature to 404-677-4802 attn: Personal Deposit Services
  • Mail the request with your signature to:

Delta Community Credit Union
Attn: Personal Deposit Services
PO Box 20541
Atlanta, GA 30320-2541

How the Visa credit card acts as overdraft protection for the Checking Account: Funds will transfer from Visa to cover NSF Checking Account transactions as long as the amount is within the available credit on the Visa loan at that time. (A transfer from Visa is considered a cash advance and it is subject to daily interest.)

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