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
Opt-Out of Overdraft Protection
If you have any questions regarding this service, call us at 651-770-7000 or visit any Ideal CU branch.