Overdraft Transfer Service

Enroll in Overdraft Transfer Service

Fee Free Days1

No fees the first two days each year you incur an overdraft transfer.

Dual Protection

Designate up to two eligible SECU accounts for overdraft transfers.

Get Another Chance

With Overdraft Transfer Service, you can enroll in Another Chance Alerts.

How Does Overdraft Transfer Service Work?

Enrolling in Overdraft Transfer Service helps prevent NSF fees or an overdrawn account when your Checking account doesn’t have sufficient available funds to pay an item. Overdraft Transfer Service automatically moves available funds to your Checking account from up to two protecting accounts. A protecting account can be an SECU Share, Money Market Share or Checking account, or an Open-End Signature loan, Home Equity line of credit or Visa® Credit Card.2,3

Once an account is enrolled in Overdraft Transfer Service, you can also enroll in SECU’s Another Chance Alerts program.


  • Two Overdraft Fee Free Days1
  • $0.50 fee for each overdraft transfer after Fee Free Days are used
  • Up to two protecting accounts
  • Funds transferred in whole dollar increments:
    • $50 increments from Share and deposit accounts,2 Visa Credit Cards and Open-End Signature loans3
    • $500 increments from Home Equity lines of credit3
Overdraft transfers occur in whole dollar amounts. If the standard transfer increment is not available in the protecting account, all funds available (in whole dollars) will be transferred to your Checking account.4

See Account Rules & Regulations for more information.

How to Get Overdraft Transfer Service

You can sign up for Overdraft Transfer Service in your local branch or online through Member Access. Contact our 24/7 Member Services at (888) 732-8562 for answers to any of your questions.
1 No fee assessed the first two days of each calendar year on which an Overdraft Transfer Service fee would otherwise be incurred on an account.
2 Up to the available balance for checking accounts and money market share accounts. Share accounts must maintain a $25 minimum balance for membership. If a Share account serves as a protecting account for Overdraft Transfer Service purposes, the $25 minimum amount will not be available for overdraft transfer even though this amount is included as part of the account’s available balance.
3 Overdraft transfers made from an Open-End Signature loan, Credit Card, or Home Equity line of credit are considered loan advances. Overdraft transfers for Open-End Signature loans and Home Equity lines of credit can be made up to 100% of the unused line of credit plus $200. Overdraft transfers for Credit Cards can be made up to the unused line of credit plus 10% of the credit limit.
4 Funds will be transferred from the primary protecting account first. If funds from the primary protecting account are insufficient to cover any item posting to the Checking account, all available funds will be transferred from the primary protecting account first and then another transfer will be made from the secondary protecting account, if funds are available. If your Overdraft Fee Free Days have been exhausted, your Checking account will incur a $0.50 fee for each transfer.