Overdraft Options
Life happens! Expree Credit Union understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.
Overdraft Coverage Options
The choice is yours. Consider these ways to cover overdrafts:
| Service | Cost |
|---|---|
| Overdraft protection link to another deposit account you have at Expree Credit Union | $4 fee per transfer |
| Courtesy Pay | $30 fee per item |
Call us at (502) 564-5597, email us at CP@Expree.org, or come by a branch to sign up for these services.
Overdraft Protection applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account you may have at Expree Credit Union for a fee.
Courtesy Pay allows you to overdraw your account up to the disclosed limit for a fee to pay a transaction. Even if you have Overdraft Protection, Courtesy Pay is still available as secondary coverage if the other protection source is exhausted. Please review the “What Else You Should Know” section included with this disclosure for other important information.
Courtesy Pay Coverage
| Transactions Covered with Courtesy Pay | Standard* | Extended** |
|---|---|---|
| Checks | YES | YES |
| ACH (automatic debits) | YES | |
| Recurring Debit Card Transactions | YES | YES |
| Telephone Banking | YES | YES |
| Teller Window Transactions | YES | YES |
| ATM Transactions | YES | |
| Everyday Debit Card Transactions | YES |
* - No action required
** - Your consent is required on consumer accounts.
If you would like to select Extended Coverage for future transactions, you may:
- Call Expree CU at (502) 564-5597
- Visit any branch
- Email us at cp@expree.org
- Download and complete the Extended Coverage Consent form and mail to:
Expree Credit Union
100 Moore Drive
Frankfort, KY 40601
If you choose Extended Coverage on your consumer account, ATM transactions and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Courtesy Pay Extended Coverage, it is not necessary to request it again.
You can discontinue Courtesy Pay in its entirety by contacting us at (502) 564-5597 or sending us an e-mail at cp@expree.org.