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Personal Manage Your Money Checking Accounts

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, or call a helpful SAFE representative at (916) 979-7233 or (800) SEE-SAFE.

Courtesy Pay
SAFE members in good standing are automatically enrolled in Courtesy Pay for overdrafts caused by checks, automatic bill payments, and other transactions that directly debit your personal checking account. SAFE offers an optional service that helps you avoid the hassle of a declined transaction due to insufficient funds for ATM and everyday debit card transactions.

The maximum Courtesy Pay transaction fee per day ranges from $2 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.

Members with smaller overdraft balances benefit from lower fees. There is a maximum of one (1) fee per day when we pay an overdraft transaction based on the end-of-day account balance as shown below:

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

See below for an example of our optional Courtesy Pay service for everyday debit card transactions:

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 $4.25 for a latte -$2.25 $2 $0
$55.25 $100 for groceries -$44.75 $17 $0
$25.50 $56 for gas
$31 for books
$24 for pizza
-$85.50 $30 $0

To enroll for the optional Courtesy Pay service for ATM and everyday debit card transactions within SAFE Online Banking, log into your account, select "Additional Services" at the top of the page, then click "Choose Debit Card Courtesy Pay."

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

Finally, 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.

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. The negative balance must be paid within 20 days to avoid account restrictions. Debit card transactions may be authorized when funds are available but cause an overdraft when they post later, which may result in a courtesy pay fee. 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.


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.

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