• Overdraft Services Form

  • A detailed explanation of your options was provided in the Disclosures section of your online Membership application. If you have any question regarding Illinois State Credit Union’s Overdraft Services or your options please call 309-451-8400 or email memberservices@itsmycreditunion.org.

  • Overdraft Protection

  • Overdraft protection is an automated service that will transfer money from your savings to your checking if there is not enough money in the checking account to cover the transaction.

    These automated transfers also count towards Regulation D which only allows 6 electronic transfers each month. If more than 6 transfers occur, there will be a $25 fee assessed at the end of that month.

    There is also a $3 fee each time this service is used.

  • Overdraft Courtesy Pay

  • This is an additional service that can be added to your account. Overdraft Courtesy Pay (OCP) would allow you to overdraft your Share Draft account up to $500 and pay items by bringing the account negative. Each transaction that brings the account negative will include a $25 fee.

  • Opt In/Out

  • This service is specific to debit card transactions. If you wish to OPT IN, your debit card purchases will bring your account negative with the standard $25 fee per transaction. In order to choose this option, you must be approved for Overdraft Courtesy Pay and have an available limit to overdraw your account. If you have chosen to set up overdraft protection, those transfers will take affect before bringing the account negative.

    To avoid going negative with your debit card transactions, you can choose to OPT OUT which will deny your debit card purchases if there is not enough money in your checking account to cover the charge.

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