Overdraft Protection and Courtesy Pay
Overdraft Protection: An overdraft occurs when you do not have enough money in your Checking Account to cover your purchase, written check, bill payment, or withdrawal. To protect yourself from “bouncing checks” and missing important payments, you can opt-in to the ACU Overdraft Protection plan. With Overdraft Protection, you link an ACU Savings Account, ACU Home Equity, or your ACU VISA® Credit Card that can be utilized to cover the amount needed in your Checking Account in the event of an overdraft. A small fee is incurred for this service from a Savings Account. Please see our fee schedule for the most up-to-date information.
Courtesy Pay: With Courtesy Pay, America’s Credit Union will cover an overdraft amount up to $750 for qualified members. ACU will automatically cover checks you write, ACH transactions, and Bill Pay transactions if you’re enrolled in Courtesy Pay. You must opt-in to Courtesy Pay coverage for everyday debit card transactions and ATM transactions if you would like overdraft coverage for those items. A small fee is incurred for this service. Please see our fee schedule for the most up-to-date information.
ACU Card Alerts
ACU Card Alerts powered by Visa can keep tabs on your ACU Visa activity, with near real-time alerts that can help reduce fraud and provide you more protection and peace of mind. Learn more and sign up for this free service.
Verified by Visa
Visa has developed a program that helps confirm your identity when you make online purchases. It makes shopping online more secure by protecting against unauthorized use of your Visa card. Learn more about this service.