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Save 'N Up Debit Card Savings Program

When you enroll in our Save ’N Up Debit Card Savings Program, we’ll round up your purchases and deposit the difference in a separate savings account, and we will match up to $300* of your Save ‘N Up savings each year.

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Overdraft protection options

An overdraft occurs when you don’t have enough money available in your account to pay for a transaction. You have options to protect your account from an overdraft when these things happen.

Courtesy Net

Courtesy Net allows you to overdraw your checking account to pay check, debit transactions, Bill Pay, and ACH transactions which would otherwise be rejected or returned due to insufficient funds. Courtesy Net covers transactions up to $500 for a $25 fee per transaction. Courtesy Net is an optional service and is designed for members that are in good standing and meet certain requirements. **

Overdraft Transfer

An overdraft occurs when you overdraw your account to cover a transaction. An overdraft transfer is a service that automatically transfers funds from a linked account, like a savings account, to your checking account to cover transactions when you don’t have enough money. There is a $5 fee per transfer. This helps prevent you from paying overdraft fees or having transactions declined. Overdraft Transfer is an optional service and is for members who meet certain requirements.

Courtesy Net vs Overdraft Transfer

Courtesy Net – You don’t have the money, but the credit union will cover the transaction up to $500 and charge a $25 fee per transaction. **
Overdraft Transfer – You don’t have the money in your checking account, but you do in your savings account. The credit union will automatically transfer the money from your savings to your checking and charge a $5 fee.

Subject to membership eligibility. Federally insured by NCUA

*Effective July 1, 2025. Subject to membership eligibility and e-statement enrollment. APY = Annual Percentage Yield. 3% Annual Percentage Yield. The annual percentage yield is accurate as of 12/27/2024. Rate is subject to change without notice. First 30 days, match is only available for round ups transfers on credit/signature transactions. After 30 days, match paid on 5% of round ups each quarter. Quarterly match is only available for round ups transfers on credit/signature transactions. The earned match is up to $300 per year paid at the end of each calendar quarter. Federally insured by NCUA.

**Effective July 1, 2025. Under the Courtesy Net option, a $25 overdraft fee will be assessed per presentment of a debit card transaction, ACH transaction, check, or bill pay transaction. You will be charged a fee each time a transaction is presented for payment, even if the same transaction is presented for payment multiple times. Courtesy Net is only permitted on one checking account per membership. You must have a qualified checking account for at least 90 days and be at least 18 years of age. Fiduciary accounts including Trust, Estate and Escrow accounts are not eligible for Courtesy Net. You have 30 days to pay your negative balance before you will no longer be considered in good standing with the credit union. We reserve the right not to pay an item, at our discretion. For example, we typically do not pay overdrafts if your account is not in good standing or you have previously had an excessive number of overdrafts, also at our discretion. If we do not authorize and pay an overdraft, your transaction will be declined and subject to the returned item/insufficient funds fee listed on our Fee Schedule. Overdrafts and fees are based on your available balance, which may be less than your actual balance, depending on pending charges, holds and pledges on your account. Courtesy Net will not cover overdrafts that cause the checking account to exceed a negative balance of more than $500, including any prior fees assessed. All fees subject to change based on our current Fee Schedule. Additional restrictions may apply. See Account Agreement and Disclosure for more information.