Home Page »
Online Banking
Checking > Overdraft Protection Options

Overdraft Protection Options

It's easy to make your checking account fit your busy lifestyle! At SAFE, we provide protection from budget miscalculations, so an oversight doesn't put your account at risk for unnecessary fees or declined debit card transactions.

SAFE offers three convenient options to cover your account:

If you write a check, authorize a payment, withdraw cash at an ATM, or use your debit card to make a purchase when there are not enough funds in your checking account, SAFE can transfer funds from your designated Overdraft Protection source to your checking account to cover the amount.

Choose the Overdraft Protection source you prefer: your SAFE Visa® Credit Card, SAFE Home Equity Line of Credit, SAFE Savings Account, or SAFE Money Market Account.

  • You'll only pay a fee when and if you use the service
  • The service is free for overdraft transfers that total less than $6.
  • You'll be charged a maximum of one $6 fee for all transfers in one day.
  • This fee is waived for our Capitol Club members.

Sign up for Overdraft Protection today!
Chat online using Live Help or call (916) 979-7233 or (800) SEE-SAFE during normal business hours.
Restrictions may apply. Refer to account disclosures for details.

Courtesy Pay is a standard overdraft protection service that comes with personal SAFE checking accounts for checks and electronic items.

For overdrafts caused by checks, automatic bill payments, and other transactions using your checking account:

  • You'll only pay a fee when and if you use the service.
  • You'll be charged a maximum of two fees per day you use the service.
  • The fee for each overdraft transaction is $28.

As a SAFE checking account holder in good standing, you're automatically enrolled!


Account must meet credit union criteria for Courtesy Pay service. Whether your overdrafts will be paid is discretionary, and we reserve the right not to pay if your account is not in good standing. The negative balance must be paid within 20 days. You may opt out of Courtesy Pay through Live Help, by contacting SAFE's Call Center at (916) 979-7233 or (800) SEE-SAFE, by visiting any SAFE branch, or mailing your written revocation to SAFE Credit Union, PO Box 1057, North Highlands, CA 95660-1057.

Choose to enroll in Debit Card Courtesy Pay to avoid the hassle of a declined transaction due to insufficient funds. As a courtesy to members in good standing, this optional service pays ATM and debit card transactions that would not have otherwise cleared.

For overdrafts caused by ATM and everyday debit card transactions:

  • You'll only pay a fee when and if you use the service.
  • You'll be charged a maximum of one fee per day you use the service.
  • For small overdrafts amounts, the fee may be as little as $2.
  • The fee is waived if you bring your balance positive before the end of the day.
  • You'll incur no daily fees for negative checking balances.


Account must meet credit union criteria for Courtesy Pay service. Whether your overdrafts will be paid is discretionary, and we reserve the right not to pay if your account is not in good standing. The negative balance must be paid within 20 days. You may opt out of Courtesy Pay through Live Help, by contacting SAFE's Call Center at (916) 979-7233 or (800) SEE-SAFE, by visiting any SAFE branch, or mailing your written revocation to SAFE Credit Union, PO Box 1057, North Highlands, CA 95660-1057.

© SAFE Credit Union. All Rights Reserved.
Protecting your privacy is our top priority. Please refer to our Privacy Statement for more information.