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Overdraft Protection

Helpful overdraft protection tools

We offer a variety of options to help you avoid overspending or cover you in case you do.


Sometimes an unexpected life event or an occasional mistake can leave you short of funds. RCU offers tools to provide you a safety net if you accidentally overdraw your account.

As a credit union, our focus isn’t profit—it’s helping you succeed financially. And that includes helping you learn more about how to avoid fees. Explore financial wellness resources, including helpful tips and tools, in our free financial education resources.

Good to know

Email & text alerts

Set up alerts in online or mobile banking and receive a text message or email when your account balance is low.

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Maximum protection

With OPA, RCU will cover up to $1,500 for personal accounts and $2,000 for business accounts if your account is in good standing.

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Lower fees

RCU charges a $23 non-sufficient funds (NSF) fee with Overdraft Pay Advantage (OPA). The industry average is $33.

No daily fee

RCU does not charge daily fees or interest for a negative balance.

Free financial resources

Take control of your finances

We provide free access to industry-leading financial education and resources. With advice for all stages of life, we can help you through every step of your financial journey.

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