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 or Home Equity line of credit.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 and Open-End Signature loans3
    • $500 increments from Home Equity lines of credit3
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 our Account Rules and Regulations on the Account Disclosures page 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 from SECU Visa Credit Card accounts (if offered by the Credit Union), Open-End Signature loans, and Home Equity lines of credit are considered cash advances or loan advances, as applicable, and can be made up to the amount of the available ceiling/credit limit, less any outstanding available balance. The available amount for overdraft transfer is (1) for Open-End Signature loans and Home Equity lines of credit, 100% of the unused line of credit plus $200, and (2) for credit cards, 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.