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Have you ever tried to purchase something or make a payment, only to find that there wasn’t enough money in your checking account to cover the transaction? That’s called an overdraft. When finances are tight or you’ve made a mistake, the last thing you want is the inconvenience and embarrassment of having a transaction refused, not to mention the extra cost of expensive merchant fees.

Here’s how we help our members out with overdraft protection when their checking accounts fall a little short.

Overdraft Protection

Be your own backup. Link your checking account to a Dupaco savings account or other designated account and set up automatic savings transfer. If your checking account is ever in danger of becoming overdrawn, money will automatically transfer from your linked account to cover the shortfall.

  • Six free automatic transfers per month
  • Subsequent transfers are subject to a fee

If you don’t have enough money in savings for an automatic transfer, our Overdraft Privilege service can serve as your backup plan.

To set up automatic savings transfer, give us a call at 800-373-7600 or email us at

Overdraft Privilege

We have your back, too. Our Overdraft Privilege service will pay overdrafts up to $700 on eligible member checking accounts. That means we’ll honor your check or transaction amount and you will be charged a nonsufficient funds (NSF) fee. If your account is set up for automatic savings transfer, Overdraft Privilege will only be used if you do not have sufficient savings to cover your overdraft.

  • New checking accounts become eligible for coverage after 30 days. You’ll be automatically enrolled if you meet account eligibility requirements.
  • Checks, ACH recurring payments and other transactions that use your share draft checking account number will be paid automatically.

To request coverage for your ATM and debit card transactions, please call our Card Services department at 800-373-7600 ext. 201, or contact us through the secure Messages section of Shine.

Learn More

For assistance or more information, give us a call at 800-373-7600 or email us at

View Overdraft Privilege FAQ

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