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No fee
There are no overdraft fees.
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Two linked SECU accounts
OTS automatically moves available funds to your Checking Account from up to two protecting accounts.1,2
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Avoid NSF fees
OTS helps prevent your Checking Account from incurring NSFs or becoming overdrawn.
Protecting accounts | Increment amounts |
$50 | |
$50 | |
$50 | |
$50 | |
$500 |
If the standard transfer increment is not available in the protecting account but enough funds are available to cover the item, all available funds (in whole dollars) are transferred to your Checking Account.3
Example: If a $500 payment is drafted from an SECU Checking Account, but the account only has $480 in available funds and the Share (“protecting”) Account has a $60 balance, $20 will be transferred to cover the protected account and retain the minimum Share Account balance required ($25).
Frequently asked questions about Overdraft Transfer Service
SECU does not charge an overdraft fee; however, if both the protected and protecting account(s) have insufficient funds to cover an item, the protected account is subject to an NSF fee (excluding identified Re-presentments). “Re-presentment” occurs when an item that was returned unpaid is presented again by a merchant or other person for payment.
If available funds in the primary protecting account are insufficient to cover an item posting to the protected Checking Account.
