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Idaho Central Credit Union
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Overdraft Protection Options

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
What are the benefits of additional overdraft protection?
  • 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.

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ABOUT US

Idaho Central is the premier credit union in Idaho and offers full-service locations throughout the Treasure Valley, Magic Valley, Eastern Idaho, North Idaho, and Spokane. While growth is vital to our success, we remain focused on our mission, “Helping members achieve financial success.”

Routing Number: 324173626   NMLS ID: 433926

Idaho Central Credit Union is federally insured by the National Credit Union Administration.
© 2023 Idaho Central Credit Union. All rights reserved.