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Daily Banking

Overdraft Protection

Overdraft Protection Choices¹

Savings Account²

Cover checking account overdrafts directly from your Financial Center savings account.

  • Avoid non-sufficient fund (NSF) fee³
  • Overdraft transaction amount plus a transfer fee¹ are deducted from your savings account
  • No application required to qualify 

Flexline Loan 

This line of credit serves as overdraft protection to your checking account and can be accessed for direct withdrawal to cover unexpected expenses.

  • Avoid NSF fee³ 
  • Automatically transfers in $25 increments to cover the amount of the overdraft and the transfer fee*
  • No transfer fees when you make direct withdrawals or transfers
  • Line of credit limit determined through credit application

Courtesy Pay 
Courtesy Pay offers a balance extension to help during those times when ends don’t meet. If you would like Courtesy Pay to cover ATM or everyday debit card transactions, you must notify the Credit Union.

  • Non-sufficient fund items are paid up to the balance extension limit, including fees³*
  • NSF fee is assessed with each item
  • 60 days of membership required to qualify

What fees will I be charged if Financial Center pays my overdraft?
Under our standard overdraft practices:

  • We will charge you a fee of up to $35 each time we pay an overdraft.
  • There is a 5 per day limit on the total number of fees we charge you for overdrawing your account.
What if I want Financial Center to authorize and pay 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, you must authorize us to do so. You may call us at 317.916.7700, email us at, or chat with us at

¹The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person, withdrawal, ATM withdrawal, or other electronic means.

²Subject to Regulation D monthly electronic transfer limits.

³Standard overdraft fee of $35 per item up to 5 items per day.

*Transfer fee of $6 per overdraft transfer.

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Your savings federaly insured to at least $250,000 and backed by the full faith and credit of the United States Government: NCUA, Equal Housing Lender, ESI