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Debit Overdraft Protection

Debit Overdraft Protection Services

Unexpected overdrafts happen from time to time
- we have you covered when they do.

Get Covered

What is an overdraft?

An overdraft occurs when a transaction is paid and there is not enough money available in your account to cover the withdrawal. Standard Overdraft Protection is a feature of qualifying checking accounts and does not require you to enroll. Standard Overdraft Protection will cover the following transactions:

  • Checks
  • ACH-Auto Debits (fees apply)
  • Automatic Bill Payments

If we do not authorize and pay an overdraft, your transaction will be declined. Debit card transactions are not covered under the Standard Overdraft program.

Debit Overdraft Protection Program

The Debit Overdraft Protection Program offers additional coverage for everyday debit card transactions.* The program allows checks and other items that would overdraw your account to be paid, for a fee, rather than returned for non-sufficient funds. By opting in to the Debit Overdraft Protection Program, your debit card transactions will be approved even if the funds are not currently available in your account. This added coverage can be quite useful in the event of an emergency or unforeseen expense.

What's covered?

  • Checks
  • ACH-Auto Debits (fees apply)
  • Automatic Bill Payments
  • Debit Card transactions

The only time you will pay a fee is when you use the service. An overdraft fee of $30.00 will be charged for each transaction that overdraws your account. There is no limit to the amount of fees that can be charged.

Want coverage?

Enroll Now

Stay Connected
Tools you need to manage your account anytime, anywhere.

Debit Text Alerts
Get a text or email when certain transactions are completed.

Mobile App
iew account balances, make payments, and more - all from your phone.

*Overdrafts are paid at our discretion, we do not guarantee that we will always authorize and pay any type of transaction. For questions, please contact our Member Services Department at 513-333-3800.



Cinfed Credit Union
4801 Kennedy Avenue
Cincinnati, OH 45209
(513) 333-3800
Routing #242076656


They always go above and beyond at the Oakley branch and truly care about each of their members. And, I absolutely love their kids' membership program. It makes it fun for them to learn about money... 
— Courtney Snow
Been a member since I moved to the Queen City in 1978. Cinfed has always provided customer service that other financial institutions only dream about. Thank you for almost forty years of outstanding... 
— Tim Grabenstein
I recently became a member here at CINFED and it was the best decision I have ever made. I walked in with tears and despair and left with dry eyes, a smile, and I even received a hug from the branch... 
— Melanie
Earlier this year my much younger sister passed away and with that many obligations were to be met by my husband and myself ..My sister was survived by a daughter and son. We have since then taken on... 
— Vonda
How lucky I am to have Liz Frey managing the office I use! I live in Florida but maintain Cinfed as my main banking office. Everytime I need special help a simple email or call to Liz and it is... 
— Debbie G
Emily Snyder took the best care of my two auto loans. She was professional, courteous and very knowledgeable of the available services for me. She went out of her way to make sure I felt like I was... 
— Sarah Amyotte
I have been member with Cinfed since 1986. The Roselawn Cinfed staff greeted the customer phone calls friendly and polite willing to help you with your needs. They have excellent customer service.... 
— Marian Dudley
I have been a member of CINFED since about 1981 when I was transferred from SLC, Utah with the US Army Recruiting Command and have always received excellent service and support . Hope Dee Dee is... 
— Robert Olguin
I have been a member at the Roselawn Branch for a long time and I couldn't be more satisfied with the customer service. No matter how often I come in with a question or issue and no matter what... 
— Andreya T Williams
I been a member since 1985 and can not imagine banking anywhere else. This credit union as taken care of my every need. 24/7 services is excellent.
— Edward, member since 1985
I have been a Cinfed member for years. I know I can depend on them to provide excellent service. The bill pay on line is great and every time I visit the Florence branch I am met with friendly... 
— Jan Ricks
Closed a loan in 24 hours! Absolutely unheard of! Thanks to the exceptional customer service of LeAnn Rose at the Turfway Branch! She went above and beyond by providing unexpected expedited service! ... 
— Christina Stull
I recently applied for a credit card online. I received a call from Emily Snyder explaining what needs to be done next. It was easy and Emily‚Äôs customer service was excellent. Emily is a great... 
— Johnnie Bush

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