Wabellco Federal Credit Union
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Home > Products & Services > Services > Overdraft Protection

Overdraft Protection

What you need to know about overdrafts and overdraft fees:
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.  We can cover your overdrafts in two different ways:

1)  We offer an overdraft protection plan that links to a savings account and will transfer available funds to cover the overdraft.
2)  We also offer a standard overdraft protection plan. This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?
We do authorize and pay overdrafts for the following types of transactions:
  • Checks and other transactions made using your checking account number

We do not authorize and pay overdrafts for the following types of transactions unless you ask us 
to:
  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.  If we do not authorize and pay an overdraft, your
transaction will be declined.

What fees will I be charged if Wabellco FCU pays my overdraft?
Under our standard overdraft practices:
  • We will charge you a fee of  $25.00 each time we pay an overdraft
  • We will charge you a fee up to $1.00 each time we transfer money from you savings account.
  • There is no limit on the total fees we can charge you for overdrawing your account

What if I want Wabellco FCU to authorize and pay overdrafts on my ATM 
and every day debit card transactions?
If you want us to authorize and pay overdrafts on ATM and every day debit card transactions, complete and present a consent form at Wabellco FCU or submit the form below to:

Wabellco Federal Credit Union
1277 Park Avenue
Washington, Pa.  15301

Collection Costs:
You agree to pay all costs of collection of the amount you owe under this agreement including court
costs and attorney fees not in excess of 15% of the unpaid debt.

Download Consent Form for Overdraft Protection

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Wabellco FCU Logo

WABELLCO FEDERAL CREDIT UNION
​
1277 Park Avenue ・ Washington, PA 15301

724-225-7522 ・ ​wabellco.fcu@verizon.net

Monday - Friday: 9:00a-4:00p ・​THURS 9:00A - 5:00P

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency
Picture
Wabellco Federal Credit Union Routing #​243385427
​

NMLS Identifier #1045776, #1092555, #1697159 
For purposes of convenience, Wabellco  Federal Credit Union's site contains links to third party web sites. Wabellco Federal Credit Union makes no representations or warranties about any third party web site that you may access through the links. By providing a link to those web sites, Wabellco Federal Credit Union does not endorse, adopt, or otherwise accept any responsibility for the content or use of those web sites.
Copyright © 2023

  • Home
  • About
    • About Us
    • Membership & Eligibility
    • Join My Credit Union
    • Contact Us
  • Products & Services
    • Personal Banking >
      • Regular Shares Account
      • Share Draft/Checking Account
      • VISA Debit Card
      • Vacation & Christmas Club Accounts
      • Certificates of Deposit (CD)
    • Lending >
      • Signature Loan
      • New & Used Auto Loan
      • Home Loans
      • Secured Loan
      • Smart Option® Student Loan
    • Services >
      • Online Services >
        • New Online Banking System
      • Insurance
      • Reorder Checks
      • Payroll Deduction
      • Skip a Payment
      • Courtesy Pay
  • Login
  • Rates
    • Rates
    • Fee Schedule
  • News & Resources
    • Announcements
    • Newsletter
    • Holiday Closings
    • Special Offers
    • Useful Links