Overdraft Protection

Overdraft Protection

Overdraft Protection Options

    We offer two easy ways to avoid overdrafts if you don't have enough money in your account to cover a transaction.

    Account Overdraft Protection: use another Affinity account as your back-up. (Fees may apply.)

    • Link your checking account to another Affinity account such as savings, money manager, a separate checking account, or a personal line of credit.
    • If you have an overdraft, Affinity will automatically transfer money into your checking account from the linked account to cover the amount of the overdraft.
    • Protects check and debit card transactions, ATM withdrawals, online bill payment and automatic/recurring debit payments.
    • Transfers are free for EvenMore members; More members receive one free overdraft protection transfer per month.

    Debit Card Courtesy Pay: Affinity can help cover debit card transactions for which you have insufficient funds.

    • No additional Affinity account required
    • No fee to enroll and no charge if you never make an overdraft.
    • Fee of $33 per overdraft occurrence.
    • Affinity covers debit card and ATM withdrawal overdrafts (at our discretion).1

    You may choose to enroll in either or both of these overdraft protection options for free at any time. When you choose to enroll in both options, Debit Card Courtesy Pay serves as a back-up if your linked account also has insufficient funds to cover a transaction. Members may opt out of courtesy pay at anytime.

    If you are not enrolled in any of the above options, any Affinity Visa® Debit Access card transactions that exceed your account balance will be declined.

    Enroll by calling our Member Service Center at 800.325.0808 or by visiting any branch

    1 We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. For example, we typically would not authorize overdrafts if your checking account is not in good standing, if the account has not had a positive balance within the last 30 days, or if the account already has many overdrafts. The fact that we pay one of more items creating overdrafts does not obligate us to do so in the future.