Secure Cushions to Keep Your Everyday Checking Account Protected
Life gets busy, and sometimes mistakes happen with a Checking Account balance. To keep your transactions moving smoothly and save you from the hassle of merchant rejections, we offer multiple flexible Overdraft Protection options. By linking a backup account or utilizing our discretionary coverage services, you can establish an effective safety net that keeps you in absolute control of your daily financial transactions.
Automatic Account Transfers
Who it's great for: Members seeking an economical, automatic backup plan using funds they already own or an established credit pool.
Easy setup: Call us at (910) 577-7333 or visit a branch. Refer to your Marine FCU Membership Account Agreement and Disclosures for additional details.
The System Rules & Links
Savings Share Backup: Automatically pull funds from your main Savings Account.
Money Market Backup: Transfer available balances seamlessly from a Money Market account.
Overdraft Line of Credit: Access unlimited automated safety transfers as long as credit funds are available. (Available for credit-qualified members).
Authorized Accounts: Link any secondary Marine Federal accounts that you are explicitly authorized on.
Courtesy Pay Programs
Who it's great for: Members who want the peace of mind that the credit union will strive to approve transactions when backup balances are empty.
Setup: To activate Courtesy Pay Extra, you must explicitly opt in. Click our secure link, log into digital banking and select Secure Forms, call (910) 577-7333, or visit a local branch office.
Programs, Rules, and Links
Standard Courtesy Pay: Automatically included with your Checking Account to cover physical checks, automated ACH payments, and recurring bill payments using your checking number.
Courtesy Pay Extra: An optional upgrade that strives to pay your everyday, one-time debit card transactions instead of declining them at the register.
