Overdraft Coverage

Your Information

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

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 (temporarily waived during COVID-19) 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. There is a $15.00 fee per covered item.* 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.