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


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