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Overdraft Privilege...Just When You Need It

What is Overdraft Privilege?

Overdraft Privilege is a discretionary service designed to help prevent your insufficient funds items from being returned or declined. With Overdraft Privilege (ODP), we have the option to cover your overdrafts up to your Overdraft Privilege limit (including fees) if you inadvertently overdraw your account. This can save you the embarrassment and inconvenience of a returned or declined item and the fees normally charged by merchants for items returned to them. Transactions typically covered by ODP include:

How does Overdraft Privilege work?

These are the steps taken when you don't have enough money to cover a transaction:

How much does ODP Cost?

There is no fee for having ODP. You only pay for ODP when you use it. The ODP fee of $30 will be imposed for overdrafts created by checks, ACH, point-of-sale, ATM withdrawals, in-person withdrawals, or by other electronic means. If multiple items are presented against your account on the same day, each item will be assessed the appropriate fee. This is the same fee Educational Community Alliance Credit Union charges for items returned to the payee due to insufficient funds.

How can I learn More about ODP?

To learn more call us at (419) 381-2323, email us at, and/or read items listed below:


* Per Federal regulation, only six withdrawals per month are allowed from a savings account

** In order for us to move money from a savings or secondary account, you must complete a separate enrollment for each account (ask us)