Skip navigation

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

FAQs

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
    Opt-in
    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
    Submit
    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.

Questions?

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

1 Must be or become a TruWest member with minimum $5 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 Accounts that exceed the Overdraft Privilege limit may be withdrawn from program. Discretionary Overdraft Privilege is not a line of credit and can be withdrawn at any time.
2 Balances at an ATM or other points of inquiry will not reflect the Overdraft Privilege limit.
3 Offer subject to change. Choice Checking Accounts allow one waived overdraft fee per year. OTG Checking Accounts allow two waived overdraft fees per year.


As a reminder our branches will be closed November 23rd for Thanksgiving. We will resume normal hours for November 24th and 25th.