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Why TruWest

Unexpected expenses happen. Make sure you're covered.

Overdraft Privilege

We understand that unexpected expenses may occur at inconvenient times. That is why we provide our members with a discretionary Overdraft Privilege program that allows us to pay your items rather than returning them, should you overdraw your account1.

  • Standard or Complete Coverage
  • Protection from merchant fees
  • Available on eligible checking accounts

Standard vs. Complete Coverage

  • Standard coverage includes checks, ACH pre-authorized debits and online bill payments
  • Complete coverage includes ATM transfers and everyday debit card transactions


Frequently Asked Questions

Next Steps

As easy as 1, 2, 3

Make Sure You're Covered

When you open a TruWest checking account, you may automatically be granted standard coverage after a 30-day waiting period. To opt in to complete coverage:

  1. 1
    Log in
    Log in to your online account.
  2. 2
    Under the Online Request Forms menu, access the Opt-in for Debit Overdraft Service form.
  3. 3
    Accept terms
    Confirm your information at the top of the form, and check Yes to accept the Terms and Conditions.
  4. 4
    Fill in any specific questions or instructions, and click Submit Request.

To opt-out of standard overdraft coverage, please contact us at:

1(855) 878-9378.


We're happy to help! Just give us your name, email and phone number and we'll get in touch with you shortly.

1Must be a TruWest member with minimum $5 membership deposit and continuing balance to open a checking account. Checking account must be in good standing and remain open and properly maintained for 30 days or more to qualify for Overdraft Privilege. Accounts must be brought to a positive balance within 30 days, or Overdraft Privilege will be removed. Accounts that exceed the Overdraft Privilege limit may be withdrawn from program. Discretionary Overdraft Privilege is not a line of credit and can be withdrawn at any time.
2Balances at an ATM or other points of inquiry will not reflect the Overdraft Privilege limit.