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Home > Savings & Checking > Checking > Overdraft Protection

Overdraft Protection

We all know that accidents happen, but at HFS Federal Credit Union we don’t want those accidents to cost you. Save yourself the embarrassment and fees associated with bounced checks and sign up for an overdraft protection plan today. Choose one or both of the convenient options below:

  • A link to your savings account
    HFS FCU allows you to designate and link a savings account as your overdraft account. In the event that you write a check or use your debit card withdrawing more funds than are available, HFS FCU will      automatically transfer from the designated savings account the amount needed to cover your transaction up to your available balance and as many as 6 times per month.

    Overdraft Line of Credit
    Apply for an overdraft line of credit. If approved, you will have a line of credit that will be activated in the event you write a check or use your debit card withdrawing more funds than are available in your account. If you don’t use it, it costs you nothing. In the event you do overdraw your account, funds will be transferred into your checking account in $100.00 increments. You will then pay interest on the number of days you use the loan. Making monthly or lump sum payments will free up your available credit for when you need it next. Apply for an overdraft line of credit.

Protect your finances and sign up for overdraft protection today! If you choose not to setup overdraft protection on your account, should an overdraft situation result, you will be responsible for any associated fees and returning the account to a positive balance immediately. In no instance shall repayment of the overdraft exceed more than 45 calendar days.

For current information on overdraft fees visit the credit union's Rate and Fee Schedule.

To setup overdraft protection on your account, visit any of our six convenient branch locations or call (808) 930-1400 and any Member Service representative will be happy to help you.


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We do business in accordance with the Federal Fair Housing Law.