Life happens. USEFCU offers two ways to protect yourself from overdrawing your accounts.

Overdraft Protection

With our Overdraft Protection services, you can link 1) other deposit accounts or 2) a line of credit to your checking account. That way, money can be pulled from those sources to avoid an overdraft altogether.

Overdraft Privilege

By choosing Overdraft Privilege, you can pay a per-item fee to ensure transactions up to a certain amount go through — regardless of your account’s current bottom line. In order to extend your coverage to include ATM and everyday debit card transactions, consent is required.

Protection vs. Privilege

Types of Transactions Overdraft Protection Overdraft Privilege
  (Standard coverage; no action required) (Extended coverage; your consent is required*)
Checks X X
Recurring Debit Card Payments X X
Online Bill Pay Items X X
Online Banking Transfers X X
Telephone Banking X X
Teller Window X X
ATM Transactions*   X
Daily Debit Card Transactions*   X

For more information, please view our Overdraft Coverage Brochure.

Add Overdraft Privilege (Extended Coverage)


Online Consent Form

By Phone

Call 1-800-227-6366 or 405-685-6200.

In Person

Visit a branch and we’ll guide you through it.

By Mail

Print the Overdraft Privilege Consent Form (PDF). Then, fill it out completely and mail it to the address below to get started.

USE Federal Credit Union
Attention Overdraft Coverage
4301 S. Interstate 44 Service Rd.
Oklahoma City, OK 73119