Overdraft Protection

Everyone needs someone looking out for them. That’s why we provide overdraft protection options to cover a transaction if money comes up short. At Idaho Central, we truly are looking after your daily balance.

Women pushing her son on a bike

Get The Protection You Deserve

What is an overdraft? 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.

You deserve the best, so we offer the best. Check out just a few benefits of 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

There is no cost to opt-in for 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.

Overdraft Protection Options

Transaction TypeStandard Overdraft ProgramAdditional Overdraft Protection
(If you opt-in)
Personal ChecksYesYes
ATM TransactionsNoYes
Debit Card PINNoYes
Debit Card PinNoYes

To see the overdraft fees and the time period by which you must repay any overdraft, see the Account Agreement.

Become a Member

Idaho Central Credit Union was designed with one idea in mind, helping members achieve financial success. If you live or work in Idaho or Washington, chances are you can become a member of Idaho Central Credit Union.

Find Out How