Overdraft Protection

When life happens, we’ve got you covered
Prevent rejected payments
Avoid fees
Protect your credit rating

We know you're trying to keep an eye on everything...

So when you find yourself in a spot where your account balance can't cover a transaction, we offer several ways to ensure your payments go through.
Overdraft Line of Protection
This line of credit comes with limits ranging from $1,000 to $5,000. If a checking transaction results in a negative balance, money is automatically transferred from the credit line. You then repay the loan.
 
  • Avoid fees for returned check charges from stores or creditors
  • Protect your credit rating. Overdraft Protection covers your checks even if you don’t have enough money in your checking account.
  • No annual fee
  • Low variable rate
Credit Card
Use the available credit on any credit card to provide overdraft protection.
Savings Account
Your Smart Savings can provide your checking account with automatic transfers of funds.*
Courtesy Pay Overdraft Protection
With Courtesy Pay, you get added protection, as debit/ATM transactions that result in negative balances are also covered. Plus, Courtesy Pay can kick in if you fully deplete your other chosen method of protection. Additional advantages include:
 
  • Safety-Net: If you need money for unexpected purchases and you don’t have another form of payment
  • Cash: Even with a low checking balance, you can withdraw cash at an ATM up to the daily ATM cash limit

Opt-in to make sure you’re covered: Log in to Online Banking above or call us at 800-772-4000. 
Merchants charge up to $50 for each returned check, making Overdraft Protection more important than ever. 
Savings Account
Put yourself in a position to take on the future.
Premier America Credit Union is a full-service financial institution with branches in California and Texas.
Disclosures
*Federal Regulation D limits certain types of withdrawal and transfer transactions you can make out of your savings or money market accounts to six (6) per month.