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Credit Union of Colorado

Courtesy Pay Disclosure

What You Need to Know About Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways: 

  • We have standard overdraft practices that come with your account
  • We also offer overdraft protection plans, such as a link to a line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans. 

This notice explains our standard overdraft practices. 

What are the standard overdraft practices that come with my account? 

We authorize and pay overdrafts for the following types of transactions: 

  • Checks and other transactions made using your Everyday Account number
  • Automatic ACH bill payments 

We do not authorize or pay overdrafts for the following types of transactions unless you ask us to (see below): 

  • ATM transactions
  • Everyday debit card transactions 

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. 

If we do not authorize and pay an overdraft, your transaction will be declined. 

What fees will I be charged if Credit Union of Colorado pays my overdraft? 

Under our standard overdraft practices: 

  • We may charge a fee up to $25 each time we pay an overdraft
  • There is no limit on the total fees we can charge you for overdrawing your account 

What if I want Credit Union of Colorado to authorize and pay my overdrafts on my ATM and everyday debit card transactions? 

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, chat us, call 800-444-4816, or visit a branch to provide authorization. 

 What if I do not want Credit Union of Colorado to authorize any of my transactions? 

You may still incur a fee if we return any items we do not authorize. However, if you do not want us to authorize and pay overdrafts on checks, bill pay and everyday debit card transactions, chat us, call 800-444-4816, or visit a branch to record your request. 

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Our mission is to increase equitable access to educational opportunities that positively impact students and their communities.

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