Star One Credit Union
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Star One Overdraft Coverage Application

Please complete, print, sign, date and mail this application to Star One Credit Union, P.O. Box 3643, Sunnyvale, CA, 94088-3643, Attn: Account Services. Click here to access our Opt-In/Opt-Out page for more information.

Please provide the following information:

Member Name (Primary) Member Number
Member Name (Joint) Phone - -
E-mail Address Alternate Phone - -

Please apply Overdraft Coverage to my Checking Account from the following account(s):

First Choice:

Second Choice:

Third Choice:

Fourth Choice:

Notes about choosing your Overdraft Coverage preferences:

  • By choosing your Credit Line Loan as a form of Overdraft Coverage, we will automatically advance funds in multiples of $100, up to your available Credit Line Loan limit. There is no fee for this service; however, interest begins to accrue from the date of advance.
  • Regardless of primary Overdraft Coverage selection, your Savings Account will be automatically linked to your Checking Account as an additional form of overdraft coverage. Transfers from Savings are limited to 6 per month due to Federal Regulation D for no charge.
  • Courtesy Pay may automatically cover any insufficient item presented for payment to your Checking Account up to a limit of $2,000; this includes overdrafts on checks, debit card transactions, bill payments and ACH transactions. We will charge you a fee of $15.00 each time we overdraft (Courtesy Pay) your account to pay an item(s). First NSF/CP occurrence is waived in a calendar year. There is a NSF/CP fee for each subsequent overdraft. Overdraft items up to an accumulated negative balance $30 are not charged. Qualification for Courtesy Pay is based on a FICO score of 600 or above and good standing at Star One (no delinquent payments on any Star One loans).
  • *For details, refer to our Membership and Account Agreement and our Checking and Savings Account Disclosure.

 Primary applicant signature: ____________________________________

Date: _______________

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