Overdraft Protection | Rocky Mountain Credit Union
Personal Banking > Overdraft Protection

RMCU understands that things don’t always go as planned.

To help you though life’s unexpected events, we offer the following overdraft protection options.
Amount of Protection
Fee Per Usage
How it Works
Get Started

Overdraft by Check or Electronic Transfer



All checks and electronic transfers are paid up to the amount of protection

Account must be open for 30 days*

Protection is automatically added to your account after 30 days

Overdraft by Debit Card



All debit card transactions are paid up to the amount of protection

Account must be open for 30 days*

Click here to Opt-In to Debit Card Overdraft Protection

Overdraft Protection from Savings

Available Balance of Savings


A minimum of $100 is transfered from your savings to cover your transactions

Upon Request

Click Here to Request Protection

Overdraft Line of Credit

$500 - $1000**


A minimum of $100 is advanced from your line to cover your transactions

Upon loan approval

Click Here to Apply Online

* Other restrictions may apply. Service will be revoked if any account holds a negative balance for 30 consecutive days.
**Overdraft Protection can be used on top of an Overdraft Line of Credit once the line is at its max.

Discretionary Overdraft Privilege Disclosure