Rewards Checking » Overdraft Protection

Overdraft Protection

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We're standing by with tools to help you when unforeseen situations arise.

  • Reserve Line of Credit

    The Reserve Line of Credit is the first line of defense we check for when an overdraft occurs. We'll automatically advance enough to cover your account in $100 increments. There's no fee for this option; however, interest accrues until the loan is paid in full.

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  • Transfer from Savings

    Next, we'll check to see whether a transfer from savings would prevent the overdraft. If so, we'll automatically transfer the money in $100 increments for you. There's no fee for Value and Premium Checking accounts, and a small fee for Access Checking.

  • Basic Reserve

    As a last defense, all checking accounts automatically have Basic Reserve* coverage. Access Checking has $200 of coverage; Value has $400; and Premium has $600. There's a charge for this service, the same fee as a returned check but you'll save the fees charged by merchants.

* An overdraft fee of $25 will be charged to cover overdrafts from checks, ATMs or other electronic transactions. Member will have 30 days to bring the account current. Payment of overdrafts is discretionary. See disclosure for details.

 

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Toll Free 800-533-6773

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PO Box 44963
Madison, WI 53744-4963
43.075532 -89.448226
UW Credit Union's Routing Number:
2759-7907-6
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