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Overdraft Protection

Avoid declined transactions with Overdraft Protection*

How Overdraft Protection Works

Overdraft Protection ensures that your checks, ATM withdrawals, ACH and debit card transactions are covered in the event you do not have a positive available balance in your account. 

  • A $36 fee will be charged for each overdraft
  • No fee is charged if this service is never used
  • Account must be brought to a positive available balance within 30 days of overdrafting

Overdraft Privilege protection is a discretionary program made possible by Ideal CU. We reserve the right not to pay items and may be suspended or permanently removed from the member's account if the account is not brought to a positive available balance within 30 days of overdrafting your account.

Opt-In to Overdraft Protection

Account Management

*An Overdraft Protection fee of $36 will be imposed for each overdraft created by checks, ACH transactions or other electronic means, as applicable. Account balance must be brought to a positive available balance within every 30 day period. Ideal CU in its sole and absolute discretion can cease paying overdrafts at any time without prior notice.

With Overdraft Protection, Ideal Credit Union may pay overdrafts within the discretionary overdraft privilege limits, but payment by Ideal Credit Union is a discretionary courtesy and not a right or obligation. The limits on this discretionary overdraft service for consumer and business checking accounts are dynamic, meaning they can change daily based on specific account activity. Any and all fees charged, including without limitation the non-sufficient funds fees, will be included in the dynamic daily limit. You agree to hold the credit union harmless for any and all liability that may otherwise exist if an overdraft payment does not occur. See Membership Agreement for detailed information on available balance.

2018 - 19 Holiday Hours

Christmas Eve (2018)
Monday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.


Christmas Day (2018)
Tuesday, December 25th
All locations closed.


New Year's Eve (2018)
Monday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day (2019)
Tuesday, January 1st
All locations closed



Martin Luther King Jr Day
Monday, January 21st
All locations closed.


Presidents' Day
Monday, February 18th
All locations closed.


Good Friday
Friday, April 19th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 27th
All locations closed.


Independence Day
Thursday, July 4th
All locations closed.


Labor Day
Monday, September 2nd
All locations closed.


Columbus Day
Monday, October 14th
All locations closed.


Veterans Day
Monday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 28th
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.