Overdraft Options

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Avoid Overdrawing Your Account

Avoid the embarrassment of a bounced check or insufficient funds. If you make an honest mistake balancing your account, have unplanned expenses or run short on cash between paydays, let us help you out.

Log in to Online Banking and complete the Overdraft Privilege (ODP) Enrollment form found under the Account Tools menu. This will reduce the chance for declined transactions and the potential for multiple merchant fees.

Should an overdraft ever occur, ODP will allow you to complete your transaction. Apple, at its sole discretion, will pay the item(s) up to the authorized Overdraft Privilege limit and charge the account the Credit Union's standard Non-Sufficient Funds (NSF)/ODP fee of $29 for each item that overdraws the account.

Fee applies to overdrafts created by check, in-person withdrawal, or other electronic means. Checking account can't remain negative for more than 30 days or Checking account balance must be made positive every 30 days.

We will not pay an overdraft under the following circumstances:

  • Your account is not in good standing
  • ATM and point-of-sale transactions if you did not opt-in to their payment and fee.

Overdraft Privilege Opt Out Request

Apply for an Apple FCU Signature Line of Credit and borrow what you need from your approved line, when you need it. Can be used for overdraft protection, long-term projects, emergency expenses and more.
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If you have insufficient funds to cover a transaction from your Checking, we will attempt to take funds from your savings/Money Market at no charge, to cover the transaction.

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