How do I add or remove Overdraft Pay Advantage on my account?
RCU’s optional Overdraft Pay Advantage (OPA) program provides a safety net for occasions when you don’t have enough available funds to pay for a transaction—we’ll cover the payment to ensure it goes through. You can enroll, opt out, or change your Overdraft Protection Advantage coverage at any time using one of these convenient methods:
- Contact our Member Service Center at (707) 545-4000 or 1 (800) 479-7928.
- Speak in person with any of our branch service staff.
- Log into your account via digital banking and choose your coverage (find the mobile and desktop instructions below).
You can also review our OPA coverage options before you make any adjustments.
Mobile
If you're using a mobile device, follow the steps below. For computers, go to the desktop steps
Select the Menu at bottom right.
Select More, then tap Overdraft Services and select Overdraft Pay Advantage.
You will see your current OPA decision. To update your OPA coverage, tap Change OPA Decision.
Tap View to review the disclosure, then tap Continue.
Important: The Continue button won’t appear until you’re done reviewing the disclosure.
Choose your new OPA coverage and tap the Accept and Submit button, or click Cancel to keep your current decision.
Review the confirmation notice and tap Done.
Verify your OPA decision has been updated.
Desktop
If you're using a computer, follow the steps below. For mobile devices, go to the mobile steps
From the dashboard, select the three dots (…) to see the “more” menu, then click Overdraft Services.
On the left sidebar, select Overdraft Pay Advantage to see your current OPA decision.
To update your OPA coverage, click Change OPA Decision.
Review the OPA disclosure, then click Continue.
Note: You can also choose to download or print this disclosure by clicking the either of the links on the top right corner.
Choose your new OPA coverage and click Accept and Submit, or click Cancel to keep your current decision.
Review the confirmation notice and click Done.
Verify your OPA decision has been updated.
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, a $19 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 transactions.
