Overdraft Protection: There when you need us

Overdraft coverage options to fit your needs

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TruCourtesy Pay Program

Overdraft Protection Plan

FAQ’s

TruCourtesy Pay Program1

When life happens, we’ve got you.

With our TruCourtesy Pay Program, TruWest may cover certain transactions for you if they exceed your available account balance up to $1,500. This allows you to complete crucial payments and purchases for a fee of $15 per transaction we cover.

  • TruCourtesy Pay Standard: Includes checks, ACH pre-authorized debits and online bill payments.
  • TruCourtesy Pay Everyday Debit (requires opt-in): Includes Standard coverage, plus ATM and everyday debit card transactions.

To add TruCourtesy Pay Everyday Debit to your coverage (opt-in required):

  1. Log in to your online banking account.
  2. From the top menu, select Online Request Forms > Opt-in for Debit Overdraft Service.

For questions about the TruCourtesy Pay Program, please call us at 1 (855) 878-9378.

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Overdraft Protection Plan2

Give yourself added peace of mind

An Overdraft Protection Plan lets you connect your accounts to avoid declined or returned transactions:

  1. Call 1 (855) 878-9378.
  2. Ask to connect your checking account to your Share Savings, TruWest Visa® credit card or Personal Credit Line.
  3. Checking overdrafts will be covered by your connected account up to the available balance, for a $2 fee per overdraft.

See our Rate and Fee Schedule for complete consumer fee details.

FAQ’s

1Must be a TruWest member in good standing with minimum $5 membership deposit and continuing balance. Requires a Checking account in good standing and needs to remain open and properly maintained for 60 days or more to qualify for the TruCourtesy Pay Program. Accounts must be brought to a positive balance within 30 days, or the TruCourtesy Pay Program will be removed. Accounts that exceed the TruCourtesy Pay Program limits may be withdrawn from the program. The TruCourtesy Pay Program is not a line of credit and can be withdrawn at any time. Balances at an ATM or other points of inquiry will not reflect the TruCourtesy Pay Program limit. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, among other reasons. A fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. ATM and debit card or point of sale transactions will not be covered unless you explicitly opt-in to such coverage. Terms, conditions, and restrictions apply and are subject to change at any time. Please contact TruWest Credit Union for further information or assistance.
2Must be a TruWest member with minimum $5 membership deposit and continuing balance. Requires a Checking account in good standing. Must contact TruWest Credit Union to obtain an Overdraft Protection Plan. Subject to approval and only available on or with certain accounts. Terms, conditions, and restrictions apply and are subject to change at any time. Please contact us directly for further information.
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