Overdraft Protection

What is Overdraft Protection?
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:


Standard Overdraft Protection
This option is also known as "OPT-IN". With this protection Pinnacle Credit Union will cover charges when your account is overdrawn up to $500. Each charge that occurs a fee is assessed to the account.


Overdraft Transfer Protection
This protection links your checking account into your savings, line of credit, etc. to first cover overdrawn charges before Pinnacle Credit Union steps in. With this protection comes a MUCH smaller fee.