Overdraft protection.

Overdraft Transfers
If you use your debit card, write a check, authorize a payment, or withdraw cash at an ATM and your available checking balance¹ isn’t enough to cover the transaction, SAFE can transfer from your designated Overdraft Protection source. Your SAFE savings account, money market account or credit card can be linked to your checking account to cover the overdraft. There is no fee for overdraft transfers.

To set up one or more sources for Overdraft Protection during business hours, call a helpful SAFE representative at (916) 979-7233 or (800) SEE-SAFE.

Courtesy Pay
SAFE offers Courtesy Pay to cover transactions when you may not have enough available funds¹ in your personal checking account. Members in good standing are automatically enrolled in Courtesy Pay for overdrafts caused by checks, automatic bill payments, online banking and mobile banking payments, and recurring transactions using your debit card or checking account number.

If you opt in to authorize SAFE to pay ATM and everyday debit card transactions, it may help you avoid the hassle of declined transactions when you don’t have available funds¹ at time of purchase or withdrawal.

The Courtesy Pay/Paid Non-Sufficient Funds (NSF) fee is $14 per transaction with maximum of two fees per day and the fee is waived if the transaction amount is $5 or less.

Additionally, you can set up and manage account alerts to notify you of low balances, large withdrawals, and more.

You can enroll in the optional Courtesy Pay service to pay overdrafts on ATM and everyday debit card transactions by calling SAFE’s Contact Center at (800) SEE-SAFE or (916) 979-7233 or through live chat at safecu.org.

You can also print and mail in the Overdraft Service Options form SAFE Credit Union, 2295 Iron Point Road, Suite 100, Folsom CA 95630-8765.

Finally, to opt into Courtesy Pay service for ATM and everyday debit card transactions during business hours, or call a helpful SAFE representative at (916) 979-7233 or (800) SEE-SAFE.

SAFE pays overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. Courtesy Pay will generally not be available if the checking account has been open fewer than 30 days, the checking account does not receive regular deposits, if any owner of the checking account is in default on any obligation to SAFE, if in SAFE’s judgment you have initiated too many transactions against insufficient funds, if there are legal orders pending against any SAFE account of yours, or if payment of the transaction would cause your negative balance to exceed any limit we set internally. Any negative balance must be paid within 30 days to avoid account restrictions. You may opt out of Courtesy Pay through chat now, by contacting SAFE's Contact Center at (916) 979-7233 or (800) SEE-SAFE, by visiting any SAFE branch, or mailing your written revocation to SAFE Credit Union, 2295 Iron Point Road, Suite 100, Folsom CA 95630-8765.