FAQs

Member Overdraft Protection is available with our Cash Back Checking for the payment of checks, preauthorized payments, ACH drafts and recurring debit transactions.  You may also extend this protection to one-time debit card and ATM transactions. This is a fee free service. Find out more information here.

No, Credit Union ONE eliminated overdraft fees in 2023. 

Credit Union ONE offers FREE overdraft protections to cover transactions trying to clear your checking account when the funds are not available. This saves you money by preventing NSF (non-sufficient fund) fees. Feel protected with all three optional offers below.

Option 1. Set up an automatic transfer from a CUONE savings account to your CUONE checking account to cover payment of checks, preauthorized payments, ACH drafts and recurring debit transactions. Learn more here!

Option 2. Enroll in Member Overdraft Protection and CUONE may cover payment of checks, preauthorized payments, ACH drafts, and recurring debit transactions up to $1000. with no overdraft fees. Learn more here!

Option 3. Apply for a Line of Credit loan and set up an automatic transfer to your CUONE checking account to cover overdrafts. Learn more here!

New members are able to opt-in at time of account opening. Existing members may update their enrollment by: Signing into Online/Mobile Banking and selecting Opt-In/Opt-Out Overdraft

Chat with a representative or call a member contact center representative.