An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. Idaho Central can cover your overdrafts in two different ways. We have standard overdraft protection that comes with your account. We also offer additional overdraft protection, such as a link to a savings account or line of credit, which may be less expensive than our standard overdraft protection.
| Transaction Type | Standard Overdraft Program | Additional Overdraft Protection, if you choose |
| Personal Checks | Yes | Yes |
| ACH/Electronic | Yes | Yes |
| ATM Transactions | No | Yes |
| Debit Card PIN | No | Yes |
| Debit Card w/Signature | No | Yes |
- Added Security – May provide funds when you need money or pay unexpected expenses
- Offers Convenience – May provide uninterrupted coverage for debit card purchases when you
lack sufficient funds - Eliminates Embarrassment – Helps avoid the awkwardness of a merchant declining your
transaction
There is no cost to opt-in for additional overdraft protection. When you open your checking account with Idaho Central, you will be asked if you want ICCU to authorize and pay overdrafts on your ATM and everyday debit card transactions.
To see the overdraft fees and the time period by which you must repay any overdraft, see the Account Agreement.