Life happens! KeyPoint Credit Union understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help. Every KeyPoint checking account includes overdraft coverage options that can be combined to provide maximum convenience and flexibility while serving as a safety net:
Savings or Money Market Overdraft Coverage
Your KeyPoint savings accounts can be linked per your request to your checking account. If your checking account does not have enough funds, then we’ll automatically transfer funds up to your available savings balance.
Line of Credit Overdraft Coverage
You can link your KeyPoint personal line of credit (excludes credit cards and HELOCs) to your checking account. If your checking account does not have enough funds to pay an item, we’ll automatically advance up to your available credit line loan limit.
Courtesy Pay Privilege
In addition to the overdraft protection options, Courtesy Pay Privilege protects you from an accidental account overdraft* and the costs and embarrassment that go along with it. Please review the Courtesy Pay service guidelines for full details.
To authorize or cancel for overdraft protection on your KeyPoint checking account, call (888) 255-3637, or complete this form.
*KeyPoint Credit Union will determine at our sole discretion whether to pay overdrafts caused by check, ATM or Debit Card withdrawal, point-of-sale and ACH transactions. There is a fee of $29 for each item that KeyPoint chooses to pay. You must pay all overdrawn amounts and fees immediately, but no later than 45 days. Not all accounts qualify for Courtesy Pay. Refer to the agreement for complete information.