What if I don’t want the Overdraft Pay Advantage (OPA) protection on my debit card?

If you prefer to decline Overdraft Pay Advantage (OPA) services for your everyday debit card transactions, you can change your preferences using one of the following methods:

1. Log in to your account and select Member Services then Overdraft Pay Advantage.
2. Contact our Member Service Center at (707) 545-4000 or 1 (800) 479-7928.
3. Speak with any of our branch service staff.

Overdraft Pay Advantage can be used to pay your checks, automatic bill payments (such as Automatic Clearing House or recurring debit card transactions), and your everyday debit card transactions. When the service is used, an Overdraft Pay Advantage fee is charged (up to the maximum 4 charges per day). After a transaction is paid, you’ll be asked to make a deposit to cover the negative balance in your account immediately, and no later than within 20 days. If your account is not in good standing or you have not made regular deposits into your account, we may not be able to extend Overdraft Pay Advantage services to pay your transaction.

Redwood Credit Union offers Members valuable products and services with no or low fees. For select products and services, some fees are assessed as a cost recovery. See our Cost Recovery Schedules for Personal Accounts and Business Accounts for details.