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Overdraft Protection

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 available funds1 in your checking account, SAFE can transfer funds from your designated Overdraft Protection source, such as your SAFE Visa® Credit Card, SAFE Home Equity Line of Credit, SAFE savings account, and/or money market account.

The Overdraft Protection transfer fee is $6 and:

  • will only be applied if and when you use the service
  • will only be charged one fee for all transfers per day
  • is waived for overdraft transfers that total less than $6
  • is waived for members with Perfect Cents Checking® or enrolled in Capitol Club

New checking accounts are automatically enrolled with Savings as the designated Overdraft Protection source. To add additional sources for Overdraft Protection during business hours, chat now or call a helpful SAFE representative at (916) 979-7233 or (800) SEE-SAFE.


1
Available funds means the balance in your account reflecting any authorized debit card transactions waiting to clear your account and deposit holds. Available balance may not include pending bill pay items or checks written by you that have not been presented for payment. You can view your available balance when you review your account online, at an ATM, by phone, or at a SAFE branch.

Click below to explore two additional options for protecting your account:

SAFE members in good standing are automatically enrolled in Courtesy Pay, which will allow select transactions to clear in the event there are not enough available funds in your account.1

For overdrafts caused by checks, automatic bill payments, and other transactions that directly debit your personal checking account:

The Courtesy Pay transaction fee is $30 and:

  • will only be applied if and when you use the service
  • will only be charged a maximum of two fees per day

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 chat now, 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, 2295 Iron Point Road, Suite 100, Folsom CA 95630-8765.


1
Available funds means the balance in your account reflecting any authorized debit card transactions waiting to clear your account and deposit holds. Available balance may not include pending bill pay items or checks written by you that have not been presented for payment. You can view your available balance when you review your account online, at an ATM, by phone, or at a SAFE branch.

Debit Card Courtesy Pay is an optional service that helps you avoid the hassle of a declined transaction due to insufficient funds. For overdrafts caused by ATM and everyday debit card transactions:

The Courtesy Pay fee may be up to $30 and:

  • will only be applied if and when you use the service
  • will only be charged once per day when you use the service
  • is waived if you bring your balance positive before the end of the day

Plus, you'll incur no daily fees for negative checking balances.

To enroll in Debit Card Courtesy Pay during business hours, chat now or call a helpful SAFE representative at (916) 979-7233 or (800) SEE-SAFE.

For overdrafts caused by ATM and everyday debit card transactions, members with smaller overdraft amounts benefit from lower fees.

If your end-of-day account balance is... Your Courtesy Pay fee will be...
Less than $25 negative $2
$25-$50 negative $17
More than $50 negative $30

For example:

If your account balance is... When you make the following debit card purchase(s)... Your new end-of-day balance will be... Your transactions are approved! So, your Courtesy Pay fee will be... But, if you make a deposit to bring your account positive by the end of the day, your fee will be...
$2.00 $4.25 for a latte -$2.25 $2 $0
$55.25 $100.00 for groceries -$44.75 $17 $0
$25.50 $56 for gas
$31 for books
$24 for pizza
-$85.50 $30 $0

End-of-day balance is your account balance after the branch closes for the business day, or generally at 6 p.m. PST each calendar day, and after all transactions including direct deposits, Bill Pay items, checks, and Automated Clearing House (ACH) items post to your account. You can generally avoid a Courtesy Pay fee by making a deposit before 6 p.m. PST. Be sure to deposit enough funds to cover your debit card transactions, bill pay items, checks, and ACH items that may clear that day. 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. A fee of up to $30 may be charged for each SAFE check, ATM or debit card transaction, or debit by other electronic means when you do not have enough money available in your account. The negative balance must be paid within 20 days. You may opt out of Courtesy Pay through chat now, 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, 2295 Iron Point Road, Suite 100, Folsom CA 95630-8765.

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