Overdraft Transfer Service

How Does Overdraft Transfer Service Work?

Enrolling in our optional Overdraft Transfer Service helps prevent your Checking account from incurring non-sufficient funds (NSF) fees or becoming overdrawn. Overdraft Transfer Service automatically moves available funds to your Checking account from up to two protecting accounts. A protecting account can be an SECU Share, Money Market Share, another Checking account, Open-End Signature loan, or Home Equity Line of Credit.1,2

Once your Checking account is enrolled in Overdraft Transfer Service, you can also enroll in SECU’s Another Chance Alerts program.


  • Up to two protecting accounts
  • Funds transferred in whole dollar amounts
    • Funds transferred in $50 increments from Share and deposit accounts,1 and Open-End Signature loans2
    • Funds transferred in $500 increments from Home Equity Lines of Credit2
If the standard transfer increment is not available in the protecting account, but enough funds are available to cover the item, all available funds (in whole dollars) are transferred to your Checking Account.3

See our Account Rules and Regulations, which you can access from the Account Disclosures page, for more information.

As a best practice, balance your checking account carefully so you always know how much you have available to spend.

How to Sign Up for Overdraft Transfer Service

You can sign up for Overdraft Transfer Service in your local branch or online through Member Access. Contact our 24/7 Member Services at (888) 732-8562 for answers to any of your questions.

1Up to the available balance for Checking accounts and Money Market Share accounts. Share accounts must maintain a $25 minimum balance for membership. If a Share account serves as a protecting account for Overdraft Transfer Service purposes, the $25 minimum amount is not available for overdraft transfer even though this amount is included as part of the account’s Available Balance displayed online.
2Overdraft transfers from SECU Open-End Signature loans, Home Equity Lines of Credit, and Visa Credit Card accounts (if offered by the Credit Union) are considered loan advances or cash advances, as applicable, and can be made up to the amount of the available ceiling/credit limit, less any outstanding available balance. Members must be 18 years of age or older or otherwise eligible for lending services to apply.
3Funds are transferred from the primary protecting account first. If funds from the primary protecting account are insufficient to cover any item posting to the Checking account, but there are enough funds in the secondary protecting account to cover the remaining insufficiency, all available funds are transferred from the primary protecting account first and then another transfer is made from the secondary protecting account.