Consumer-Friendly Overdraft Practices

We save our members over $10.5 million a year in overdraft fees.*

Overdrafts can happen to even the most careful of people, and unlike most financial institutions, we’ve designed our overdraft business practices and services so that you can keep more of what you earn. For your protection and peace of mind, we offer a consumer-friendly1 line-up of overdraft protection options:

Transfer from Savings

If a transfer from your savings would prevent an overdraft, we’ll automatically transfer the money in $100 increments for a $5 transfer fee.2

Reserve Line of Credit

If you have a Reserve Line of Credit and there isn’t enough available balance in your savings, we’ll automatically transfer the money in $100 increments up to your credit limit for a $5 transfer fee.2

Basic Reserve

As a last defense, all checking accounts open over 90 days have Basic Reserve3 coverage. There’s a $30 charge for this service, the same fee as a returned check, but you’ll save the fees charged by merchants.

Our Practices

Young man walking outside while viewing his UW Credit Union checking account on his mobile device