Print Disclosure

AMERICA FIRST CREDIT UNION OVERDRAFT SERVICE NOTICE & REQUEST

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in different ways:

We have standard overdraft practices that come with your account, if you meet specific criteria.

We also offer an overdraft protection plan (Line of Credit) which may be less expensive than our Overdraft Service. To learn more, ask us about this plan.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your Checking Account number. For a complete list of these transactions, please visit www.americafirst.com/overdraftservice.
• Automatic bill payments.

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

• Everyday debit card transactions.
• ATM transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if America First Credit Union pays my overdraft?

• We will charge you a $25 fee each time we pay an overdraft.
• There is no limit to the total fees we can charge you for overdrawing your account.
• There is no fee to keep the Overdraft Service on your account.
• There is no fee if you never use it.