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Overdraft Services

Overdraft Services Summary*

We understand that mistakes can happen when balancing your checking account that is why we offer overdraft protection options for the following transactions:

  • Checks

  • ACH Payments

  • Online Bill Payment

  • Debit Card (purchases only, not ATM cash withdrawals)

Automatic overdraft protection options**

With BECU, you can link your BECU checking account to your savings account, money market or personal line of credit. By linking these eligible accounts, we will automatically transfer available funds from these accounts when the balance in your checking is too low to cover an item (including returned items, ACH Transfers, ATM withdrawals and point of sale or other ATM/Debit card transactions). Federal Regulation D does limit you to six transfers from your savings account per month. Transfers from linked accounts may help you avoid paying Non-Sufficient Funds Fee (NSF).

Optional Courtesy Pay for Checking Accounts**

Through our Optional Courtesy Pay for Checking Accounts service, if your checking account is in good standing and you are not in default or delinquent on any BECU account, as a courtesy, when a check, ACH, or Online Bill Payment transaction is attempted from your checking account and the balance in the account and other linked accounts is not sufficient to cover the item, at our own discretion we may pay that item and draw your account negative. Your checking account is automatically covered with our Optional Courtesy Pay for Checking Accounts. The overdrawn amount in your account plus any NSF ($25 as disclosed in the Account Disclosure  that you owe us shall be due immediately and payable on demand.


If you would like to opt out of this service, call 800-233-2328, visit any BECU location or mail your Opt-Out request to: Deposit Servicing BECU P.O. Box 97050, Seattle, WA 98124.

Optional Courtesy Pay Overdraft Service for Debit Card Transactions*** 

Through our Optional Courtesy Pay Overdraft Service for Debit Card Transactions (purchases only, not ATM cash withdrawals). After you opt-in for this service, if your checking account is in good standing and you are not in default or delinquent on any BECU account, as a courtesy when a debit card transaction is attempted from your checking account and the balance in the account and other linked accounts is not sufficient to cover the purchase, at our own discretion we may authorize that transaction and draw your account negative. The overdrawn amount in your account plus any Overdraft Fee ($25 as disclosed in the Account Disclosure  that you owe us shall be due immediately and payable on demand.


You can opt-in to this service in Online Banking, by calling us at 800-233-2328, or in person at any BECU location.  You can opt-out in Online Banking, by calling us at 800-233-2328, in person at any BECU location, or you can mail your opt-out request to: Deposit Servicing BECU P.O. Box 97050, Seattle, WA 98124.


For more information, call us at 800-233-2328 or visit any BECU Neighborhood Financial Center.


Please see the Account Agreement  for information on Automatic Overdraft Protection Options, Optional Courtesy Pay for Checking Accounts, and Optional Courtesy Pay Overdraft Service for Debit Card Transactions (purchases only, not ATM cash withdrawals) and the Account Disclosure  for more information concerning NSF and Overdraft Fees.

*Overdraft service should not be viewed as an encouragement to overdraw your account. We encourage you to manage your finances in a responsible manner. An overdraft can occur in your deposit accounts in several ways such as when there are not sufficient fund in your accounts upon (1) the payment of checks, electronic funds transfers, or other withdrawal requests; (2) payments authorized by you; (3) the return of unpaid items deposited to your account; (4) assessment of fees; or(5) when deposited items or no yet available or finally paid, also called “uncollected funds”. We are not obligated to pay any item or payment request presented to your account if your accounts do not contain sufficient funds. BECU may or may not pay an item at our sole discretion. BECU does not include available overdraft amounts in the balance provided by a teller, at the ATM or Point of Sale (POS) debit card transaction, or through Telephone or Online Banking. Optional Courtesy Pay for Checking Accounts in a non-contractual service which is available to individually/jointly owned accounts in good standing. The Overdrawn amount in your account plus any Overdraft Fee that you owe us will be due immediately and payable on demand.

**Optional Courtesy Pay for Checking Accounts in a non-contractual service which is available to individually/jointly owned accounts in good standing. We reserve the right to discontinue this service without prior notice.

***Optional Courtesy Pay Overdraft Service for Debit Card Transactions in a non-contractual service which is available to individually/jointly owned accounts in good standing. We reserve the right to discontinue this service without prior notice.