All checking accounts include unlimited check writing with no monthly or per-check fees and free debit-ATM cards, free bill pay and 24-hour online and mobile account access. Overdraft protection lines of credit are available for qualified members.
Overdraft Protection – With our busy lives, it’s easy to make mistakes such as forgetting to deposit a check, make a transfer, or deduct your last debit charge from your balance. A simple error or balance miscalculation can lead to an unexpected shortage of funds.
West Community Credit Union may have the solution you’re looking for with our Overdraft Privilege program. Overdraft Privilege is not a line of credit. However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to your Overdraft Privilege.
Please click here for more information about your overdraft coverage options.West Community Credit Union will not pay overdrafts for ATM or everyday debit card transactions unless you have given your consent by opting in to the payment of these overdrafts. Please click here for more information about opting in to extend your Overdraft Privilege coverage.
Opt-In for Overdraft Privilege
Take advantage of Overdraft Privilege to access additional funds above your current balance for everyday debit card and ATM transactions should you not have enough money in your account to cover them. Opt-in for this service by calling Member Services at (636) 720-2400 or completing the Overdraft Privilege Opt-In Form.
We also offer other Overdraft Protection options such as:
Savings Transfer – To save you time and money, West Community Credit Union has the ability to automatically transfer available funds from your savings account to your checking account to cover insufficient funds. A transaction fee of $5.00 will be applied to each transfer. Federal Regulation D transfer limitations apply. Refer to Truth and Savings Disclosure for additional information.
Overdraft Line of Credit – Apply for a personal Overdraft Line of Credit Loan for your checking account to cover insufficient funds. A $5.00 daily transaction fee will apply if an overdraft transfer(s) is made.
Annual Percentage Rate of 12.9% APR. All Lines of Credit are subject to approval with an Annual Percentage Rate. Terms and conditions may vary based on creditworthiness qualifications. Rates, terms, and conditions are subject to change. Refer to a Member Service Consultant for additional information.