Overdraft Courtesy Plan

Overdrafts happen. Whether it's an error in your checkbook register, or your car breaks down on Wednesday when you don't get paid til Friday, SAC FCU offers an Overdraft Courtesy Plan to help you out.

The standard Overdraft Courtesy Plan that comes with your account will authorize and pay overdrafts for automatic bill payments as well as checks and other transactions made using your checking account number. The plan will not authorize or pay overdrafts for ATM transactions or everyday debit card transactions unless you ask us to.

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.

Under our standard Overdraft Courtesy Plan, we will charge a fee of $30 each time we pay an overdraft. There is no limit on the total fees we can charge you for overdrawing your account.

If you want SAC Federal Credit Union to authorize and pay overdrafts on your ATM and every day debit card transactions, you can do so by completing the form below and mailing it to us at the address below or by returning it to any SAC Federal Credit Union Branch.

_____ I want SAC FCU to authorize and pay overdrafts on my ATM and everyday debit card transactions.
Printed Name: Account Number with Suffix:
Address: Email:
City, State, Zip:
It is understood that my consent to affirmatively Opt In may be revoked at any time by contacting SAC Federal Credit Union.

Mail the signed & completed form to: SAC Federal Credit Union, 11515 S. 39th Street, Bellevue, NE 68123.

Download a fillable PDF form here.

SAC FCU also offers an overdraft protection plan, such as a transfer from a savings account, which may be more convenient than our standard Overdraft Courtesy Plan. To learn more, ask us about this plan.