Just say Yes to peace of mind. Enroll in our enhanced Check Card Overdraft Service today.
It’s fast and easy!
New! PIN and ATM-based transactions now eligible.
SDCCU's Check Card Overdraft Service has been enhanced to give you additional peace of mind that your check card transactions will be approved when you need them to be. When you enroll in this service, SDCCU® may authorize your PIN, ATM and signature-based check card transactions, even if there is not enough money in your checking account. This means you can pay for emergency transactions, even if you don’t have the required funds. Check Card Overdraft Service is available upon request only, so opt-in today!
There is no cost to opt-in!
- No fee to enroll in Check Card Overdraft Service.
- No fee for Check Card Overdraft Service unless you use it.
- No fee to use Check Card Overdraft Service unless your checking account is overdrawn by more than $20. This is an added benefit that is designed to provide you with an extra cushion.
Opt-in or re-opt-in today and we will quickly set-up your account with Check Card Overdraft Service.
You will need your Enrollment Code to enroll online. You can find your Enrollment Code in an email we sent or through Internet Branch. If you don't have your Enrollment Code, please call us at (877) 732-2848 or visit any of our convenient branch locations to enroll.
Frequently Asked Questions
I’m already enrolled, do I need to do anything?
Yes, members who are currently enrolled are only covered for signature-based check card transactions. You will need to re-enroll to take advantage of the new coverage for PIN and ATM-based transactions. If you do not re-enroll, you will continue to be covered for signature-based transactions only.
Will this replace my current overdraft transfer from my savings or Visa?
No. Your current overdraft protection that links to your SDCCU savings account or Visa® credit card will take place before the Check Card Overdraft Service is used. If you have enough in your linked account to cover the transaction, the Check Card Overdraft Service will not be used.
What is the fee for this service?
There is no fee for this service unless you use it. If you do overdraw your account by more than $20, you will be charged a $27 Check Card Overdraft Service fee per transaction.
When does the Check Card Overdraft Service begin?
ATM, PIN and signature-based transactions will be covered upon enrollment.
Offer valid for qualified accounts only.
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