Overdraft Privilege

A Woman using her smartphone while shopping at a store.

Cover your accounts from overdraft

After 30 days, a new checking account in good standing is able to start enjoying the additional benefits of Overdraft Privilege, which may provide coverage up to $1,000 in protection if you do not have enough funds in any of your deposit accounts. You can stop your overdraft services at any time. Overdraft Privilege is activated at the discretion of USALLIANCE.¹ If you don’t opt-in for this coverage, your debit card transactions and ATM withdrawals will be declined if you don’t have enough funds.

How do I set up Overdraft Privilege?

Contact Member Services at (800) 431-2754 or memberservices@usalliance.org.

Visit a USALLIANCE Branch.

What our members say:

Great Customer Service!

“USALLIANCE has been a great experience from a financial standpoint. They have allowed me to rebuild my credit history when no one else would. Highly recommend the Credit Union to family and friends.”

- Kari

I Would Recommend

"The overall services from USALLIANCE was EXCELLENT. Thank you again for all your services. 👍"

- Tricia

Experience the Cooperative Difference

USALLIANCE is a non-profit, membership based, full-service financial organization.

Member Focused

We do not answer to stock holders; we donʼt have any. Each member holds a share of ownership. Our decisions are aimed to better the lives of each and every member.

Learn more about the cooperative difference

Related Products

A woman in a pottery store paying for her goods with a credit card, and a credit card icon with a shield on it.

Overdraft Protection

Opt in anytime with a connected account
No fees if you overdraw

Your first line of protection - Automatically pull funds from your linked USALLIANCE account when needed.

Learn how to opt-in

Modern office with a round icon of money on the left and a smiling man and woman looking at a laptop on the right.

Signature Line of Credit

Use the funds if you overdraft
Revolving line of credit

Use this revolving line of credit to cover an overdraft or for any special purpose.

Achieve your financial needs

A round icon of a umbrella and rain, with a family laughing on the beach.

MyLife Savings

2.00% APY* on your first $500
No monthly maintenance fees

No matter if you're saving for an emergency, a big purchase, or the future, MyLife Savings helps you grow your funds.

See all features

Please note that you can opt-out of Overdraft Privilege at any time. Should you no longer wish to take advantage of this service, simply call Member Services at (800) 431-2754 during regular Call Center hours.

1 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. In the event that the Credit Union elects to extend Overdraft Privilege, you will be required to bring the account to a positive balance within seventeen (17) calendar days. In order for the balance to be considered positive, it needs to be at $0.00 or above at the end of the calendar day. If you fail to do so, it will affect future Overdraft Privilege services and could result in account closure and/or collection proceedings.