Overdraft Protection

If you're tired of those high merchant fees when you inadvertently "bounce a check" then we have some good news for you. SwRCFCU is offering a non-return overdraft privilege service on our checking accounts.

This means if your account is maintained in good standing, we'll pay your overdrafts up to an approved amount, with only a $28 fee for each check we cover, giving you the peace of mind knowing your checks will be honored. Avoid unnecessary fees for overdrafts unless you use the privilege, saving you time and money!*

*Certain terms and conditions apply to this service and are outlined in the Overdraft Privilege Account Disclosure, please contact the credit union for details. The non-sufficient funds/overdraft fee is $28 per item. There is a 90-day waiting period for all new accounts.