Overdraft Protection

Overdraft protection on your MedPro FCU checking (share draft) account is available by automatic transfer or through our Privilege Pay program.

Automatic Transfer

If there are not enough funds in your MedPro checking account to cover a draft that is presented for payment, but the necessary funds are in your MedPro savings account, an automatic transfer may be arranged to pay the draft. This feature will save you time and money – no NSF fees!

When you open your MedPro checking account, you may designate your savings account for the automatic transfers to occur when necessary. There is a limit of 6 per month for this FREE service. 

 

MedPro offers you Privilege Pay, a service that adds a measure of protection to your checking account. Privilege Pay may cover your insufficient funds checks, up to your approved limit, for one low fee of $25 per covered overdraft transaction. That means, instead of returning a check to the merchant because of insufficient funds, MedPro may pay your check, saving you additional charges from the merchant collection companies. There is a limit of $125 on the total fees we can charge you for overdrawing your account per day.  It saves you the embarrassment that an inadvertent overdraft can cause. It also helps protect your credit rating.