Debit Overdraft Protection

Consent of Debit Overdraft Services

Life happens! Cinfed Credit Union understands that unexpected overdrafts occur from time to time. Our Overdraft Protection Program can help.

What you need to know about Overdrafts and Overdraft Fees

An overdraft occurs when a transaction is paid and there is not enough money available in your account to cover the withdrawal. Cinfed Members are automatically enrolled in the Standard Overdraft Practices on qualifying checking accounts to assist with paying overdrafts in two different ways.

1.  Standard Overdraft Practices for checks and ACH withdrawals, fees apply.
2.  Overdraft Transfer Options, funds are transferred from savings (or line of credit) to cover overdrafts in your checking. This option may be less expensive than standard overdraft practices. To learn more, ask us about the Overdraft Transfer Options.

Standard Practices
What are the standard overdraft practices that come with my checking account?

We do authorize and pay overdrafts for the following types of transactions:
• Checks and other transactions made by using your checking account number
• Automatic bill payments

We will not authorize and pay overdrafts for the following types of transactions, unless you request to Opt-In for the Debit Overdraft Services:
• Everyday debit transactions
If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will be charged if Cinfed pays my overdraft?

• An Overdraft Fee will be charged for each transaction that overdraws your account ($30 per overdraft).
• There is no limit on the total fees we can charge you for overdrafts on your account.

Debit Overdraft Protection Program

The Debit Overdraft Protection Program offers additional coverage for everyday debit card transactions. By opting in to the Debit Overdraft Protection Program you authorize Cinfed to approve your debit card transactions 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.
The only time you pay a fee for this service is when you use it. There is a limit to the amount an account may be overdrawn. See account disclosure for overdraft limits.

Transactions Covered by Overdraft Protection:

 Transaction Type Standard Practices Debit Protection Program
Checks Yes Yes
ACH-Auto Debits Yes Yes
Recurring Debit Card Payments Yes Yes
Everyday Debit Card Purchases No Yes

*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... 
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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... 
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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... 
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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.... 
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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... 
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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... 
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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.
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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... 
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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! ... 
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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’s customer service was excellent. Emily is a great... 
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