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Overdraft Protection

Have peace of mind by securing your account with OVERDRAFT PROTECTION.


Sierra Central Credit Union may honor a Member transaction that results in an overdrawn account using the Credit Union's Overdraft Protection Program (also commonly referred to as "Courtesy Pay").

Under this program, the Credit Union charges a fee to provide for the payment of a transaction that would otherwise be returned due to non-sufficient funds (NSF).

*The Credit Union is under no obligation to pay every overdraft.
Alternate options from COURTESY PAY.

Sierra Central offers other alternate options. You can also transfer from either your:



1 - Share Drafts/Checks

2 - In-person withdrawals

3 - Bill payment

4 - ACH Items

5 - Reoccurring debit card payments

6 - ATM and one-time Debit card transaction

Prior to assessing a fee for ATM and one time Debit card transaction overdrafts, the Credit Union will provide Members with the right to opt-in or affirmatively consent, to the Credit Union's overdraft service for ATM and one-time debit card transactions.

Members are automatically enrolled in the program daily based on eligibility requirements. Members are given the opportunity to “opt out” of being considered for eligibility at the time of account opening. Members who no longer meet the eligibility requirements will have access to the program again when eligibility requirements are met.

The member has 30 calendar days from the date the Courtesy Pay Overdraft payment was made to repay the negative balance on their checking account. On the 31st calendar day, if the account remains negative the account will be closed. If the 31st calendar day falls on a weekend and/or holiday, it will be closed the 32nd, 33rd, or 34th day depending on the next working business day. If the member is in contact with Sierra Central and provides a payment date, the closure date can be extended no later than the 45th calendar day from the date the account first went negative.

Applicable fees will be assessed for each overdraft and are located on the most current Fee Disclosure.