HCFFCU - Overdraft Services Consent ATM and One-Time 2025

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The document outlines the overdraft services provided by Ohio University Credit Union, detailing standard practices for covering overdrafts on checks and automatic payments, while specifying that ATM and debit card transactions require explicit consent for coverage. It explains associated fees for overdrafts, including a $30 charge for amounts over $15, and provides instructions for members to opt-in or opt-out of overdraft protection for ATM and debit transactions.

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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

What is an Authorised overdraft?

An arranged overdraft is when we agree to a limit that lets you spend a bit more money than you have in your current account. This could help you manage your money if you have to cover short-term expenses such as an unexpected bill.

What is an authorized overdraft?

Authorised overdrafts: are arranged in advance, so theyre also known as arranged overdrafts. You agree a limit with your bank and can spend money up to that limit.

Does overdraft protection let you withdraw money?

With overdraft protection, your bank will allow debit and ATM transactions to go through even if you dont have enough funds in your account.

What is overdraft authorization?

If you had affirmatively consented or agreed to the overdraft service for one-time debit card transactions and wish to revoke that consent, you can do so at any time. You can contact your bank to find out how to revoke consent.

Should I authorize my bank to pay overdrafts?

If this happens you may be charged an overdraft paid fee. If you say No, you do not allow your bank to authorize and pay ATM and everyday debit card transactions into a negative available balance. If the bank does not authorize and pay an overdraft your transaction will be declined and you will not be charged a fee.

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When must a bank obtain affirmative consent for charging an overdraft fee?

How can a bank overdraft be authorized? If you are in bank overdraft, the bank can continue to operate your account. It agrees to carry out debit transactions (e.g. direct debit) when the provision is not sufficient.

What is overdraft consent?

Overdraft service. The description of the institutions overdraft service should indicate that the consumer has the right to affirmatively consent, or opt into payment of overdrafts for ATM and one-time debit card transactions.

HCFFCU - Overdraft Services Consent ATM and One-Time 2025

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