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      Overdraft Protection

      Peace of mind for your account.

      An overdraft occurs when the available balance in your account is less than the transaction amount that is trying to clear. When this happens, the transaction will overdraft due to non-sufficient funds (NSF). 

      You always have a choice in how we handle your overdraft transactions when you don’t have enough available balance in your checking account. 
      Call to Enroll Today
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      Understand Your Overdraft Options

      Dolar

      Overdraft Transfers

      Automatically transfers funds from your Savings or Money Market to cover any overdraft transaction. This option is the least expensive way to cover an overdraft transaction. There is no fee to have Overdraft Transfer Protection on your account and no limit on use. Contact us at anytime to set up Overdraft Transfer Protection.
      Security

      Courtesy Pay

      If you do not have funds in another Red Canoe Account to cover your transaction, you may use our Courtesy Pay service. Courtesy Pay is a paid service where the credit union will pay your transaction for you, for a fee of $30. This option is automatically added to your account upon qualification. You may opt out at any time.
      Piggy Bank

      Debit Courtesy Pay

      Debit Courtesy Pay is an opt-in service that adds coverage for your everyday debit and ATM transactions that overdraft your account. If you do not add Debit Courtesy Pay coverage, your card will be declined and no fee is charged.
      Dolar

      Overdraft Transfers

      Automatically transfers funds from your Savings or Money Market to cover any overdraft transaction. This option is the least expensive way to cover an overdraft transaction. There is no fee to have Overdraft Transfer Protection on your account and no limit on use. Contact us at anytime to set up Overdraft Transfer Protection.
      Security

      Courtesy Pay

      If you do not have funds in another Red Canoe Account to cover your transaction, you may use our Courtesy Pay service. Courtesy Pay is a paid service where the credit union will pay your transaction for you, for a fee of $30. This option is automatically added to your account upon qualification. You may opt out at any time.
      Piggy Bank

      Debit Courtesy Pay

      Debit Courtesy Pay is an opt-in service that adds coverage for your everyday debit and ATM transactions that overdraft your account. If you do not add Debit Courtesy Pay coverage, your card will be declined and no fee is charged.

      You have a choice in how we handle your transactions that overdraft your account.

      Deny It Transfer It Cover It Cover It (Debit)
      Deny It

      Opt-out of all overdraft protection options.

      		 Transfer It

      Overdraft Transfer Protection

      Optional Service

      		 Cover It

      Courtesy Pay

      Optional Service (default on upon qualification)

      		 Cover It (Debit)

      Debit Courtesy Pay

      Optional Service (default off, opt-in)
      Deny It

      Transaction is denied.

      		 Transfer It

      Transfer from your other Red Canoe deposit account(s) or Line of Credit or Visa to pay the transaction.

      		 Cover It

      Please clear my check, pay my ACH automatic withdrawal, online bill payments and recurring debit transactions (Netflix, Spotify, etc.) up to $500 if I don’t have the money.

      		 Cover It (Debit)

      Please pay my everyday debit card purchases or my ATM transactions up to $500 if I don’t have the money.
      Deny It

      No fee

      		 Transfer It

      No fee (interest will accrue on loan advancements)

      		 Cover It

      $30 fee per covered item; maximum of 4 fees charged per day. No fee if your account is overdrawn by $5 or less.

      		 Cover It (Debit)

      $30 fee per covered item; maximum of 4 fees charged per day. No fee if your account is overdrawn by $5 or less.
      Deny It

      Opt-out of all overdraft protection options.

      Transaction is denied.

      No fee
      Transfer It

      Overdraft Transfer Protection

      Optional Service

      Transfer from your other Red Canoe deposit account(s) or Line of Credit or Visa to pay the transaction.

      No fee (interest will accrue on loan advancements)
      Cover It

      Courtesy Pay

      Optional Service (default on upon qualification)

      Please clear my check, pay my ACH automatic withdrawal, online bill payments and recurring debit transactions (Netflix, Spotify, etc.) up to $500 if I don’t have the money.

      $30 fee per covered item; maximum of 4 fees charged per day. No fee if your account is overdrawn by $5 or less.
      Cover It (Debit)

      Debit Courtesy Pay

      Optional Service (default off, opt-in)

      Please pay my everyday debit card purchases or my ATM transactions up to $500 if I don’t have the money.

      $30 fee per covered item; maximum of 4 fees charged per day. No fee if your account is overdrawn by $5 or less.

      Tools to Help Manage Your Account

      Online Banking can help you manage your money more easily to avoid overdrafts
      • Set up Quick Balance for faster access
      • Transfer money from Savings before you spend
      • Set up deposit balance alerts
      • Deposit checks with your smart phone
      • Use card controls for spending limits
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      Overdraft Program FAQs

      A Branch or ATM Around Each Bend

      11 branches spread across Washington and Oregon, plus 30,000+ surcharge-free ATMs.
      Member, owner, neighbor – you’re a local and so are we.
      Visit your nearest branch and use your debit card at a surcharge-free ATM for easy access and five-star service.

      Disclosures

      • Eligibility for Courtesy Pay and Debit Courtesy Pay is discretionary and not guaranteed.
      • Posting Order – Transactions post throughout the day, and are generally posted using your available balance in the order received.
      • There is a limit of four Courtesy Pay fees that may be charged on any one day.
      • We will not charge a fee if your account is overdrawn $5 or less.
      • Whether your overdrafts will be paid is at Red Canoe’s discretion, and we reserve the right not to pay.
      • The overdrawn amount in your account plus any overdraft fee that you owe Red Canoe shall be due immediately and payable on demand.
      • If you would like to opt in or out of our Overdraft Protection Options, please visit a branch or call (800) 562-5611.