inspiring our members to achieve financial success

Checking Protection Options

Protect Your Accounts
Whether it's a simple checkbook miscalculation or an unanticipated bill or emergency, you could be left with too little money in your checking account just when you need it the most.
At Oxford FCU, we understand. Mistakes happen. We also understand that having a check returned due to insufficient funds can be costly, inconvenient and potentially embarrasing.
Fortunately, we offer three different protection options to make sure you're covered!


Convenient Automatic Coverage
  • When there's too little money in your checking account to cover a check, we'll automatically transfer money from your savings to cover the overdraft.*
  • There is no cost to you, and the service is free from Oxford FCU.
*Provided there are sufficient funds available.
Peace of Mind
Overdraft Privilege is available to checking account members in good standing as a free benefit. With Overdraft Privilege, payments you make by check, Electronic Funds Transfer, or via your debit card will be honored by Oxford FCU, saving you the embarrassment and expense of merchant overdraft fees. If you don't use Overdraft Privilege, there is no cost to you. You will only be charged an overdraft fee for each overdraft that is paid by Oxford FCU.
Overdraft Privilege is available for:
  • Checks you have written
  • Payments you authorized by submitting your checking account number (Electronic Funds Transfer)
  • Payments you authorized by submitting your debit card number
With your consent, Overdraft Privilege can also apply to:
  • ATM withdrawals from your checking account
  • Everday transactions using your Debit Card
To Opt In to Overdraft Privilege for ATM and everyday debit card transactions, choose any of these options:
  • Complete the ATM & Debit Card Overdraft Privilege Opt In form, located at the top right of this page. Return the completed form by mail or in person. Never email your account information
  • Log into Online Banking, click on Overdraft Privilege, and submit the authorization
  • Call us at 1.800.991.9219 to authorize Overdraft Privilege for you

Make An Already Great Checking Account Even Better
When you add Overdraft Protection to you account, you get more than just added security in the event of an overdraft. You also get access to cash should an unexpected bill or emergency arise.
If a debit tries to clear your checking account and funds are not available; or if you need a short term loan on very short notice; money will automatically be transferred from your Overdraft Protection line of credit to cover the expense. With Overdraft Protection, you get:
  • Credit limits up to $2,000
  • An automatic payment option
  • A low fixed annual percentage rate
  • Monthly payments are just 3% of your account balance or $20, whichever is greater
To apply for an Overdraft Protection Line of Credit Click Here, or call us at 1.800.991.9219
Overdraft Protection is a line of credit and applicants are subject to credit approval. When overdraft occur, loan advances to cover the overdraft will be made in the exact amount of the overdraft.