We understand that life happens and sometimes your
checking account balance might dip a little lower than expected. At Bay Cities Credit Union, we’re here to help you avoid negative balances and a $25 Overdrawn Fee with a simple solution, an Overdraft Line of Credit loan. Our Overdraft Line of Credit automatically covers transactions that would otherwise exceed your available checking account balance.
Here’s how it works.
- Everyone with a checking account qualifies to get up to $100 automatically to cover Shortfalls. Need more? You can always request a higher limit.
- Instead of returning payments or charging costly fees, we’ll advance funds from your line of credit helping you avoid penalties or declined transactions.
- Payments can be made either by paying the full balance including unpaid interest before the due date or by making monthly payments of at least the minimum amount due.
Ready to enroll or want to learn more?
Whether you’re dealing with an unexpected bill or just want a safety net in place, our Overdraft Line of Credit gives you the financial cushion to stay on track.
Contact Us or stop by our Service Center. We’ll be happy to walk you through the process and answer any questions.
