Overdraft Protection
Retain Balance 24/7. We’ve got you covered.
Overdraft Protection
Helps you prevent overdrafts while enabling you to make transactions and purchases with your debit card even when sufficient funds aren’t available in your account.
Courtesy Pay
Courtesy Pay is a safeguard to protect against unexpected mistakes that overdraw your checking account balance. It provides the security of knowing your transaction will be processed and saves you from incurring additional charges from merchants due to insufficient funds to cover a transaction. The member must cover the overdraft within a three day period.
If you use Courtesy Pay, you will incur a non-refundable fee of $35.00 for the convenience of knowing your transaction is covered. See our Overdraft Services Consent form.
Courtesy Pay is automatically provided for checks, ACH and recurring transactions from your checking account, but you must opt in to add Courtesy Pay for your debit card and ATM transactions.
5/1 Adjustable-rate mortgage (ARM)
Finance rates and APRs are valid as of 08/25/2025 and are subject to change without notice. As of 08/25/2025, a sample $100,000, 5/1 ARM conforming mortgage APR is subject to change daily, with a monthly payment of $8.58 per thousand. APRs are subject to change. Estimated monthly payment does not include taxes and insurance premiums, and the actual monthly payment will be greater. Program is available in New Jersey only for single-family, owner occupied 1-4 units , owner-occupied homes with a minimum loan amount of $100,000 and a maximum equal to conforming loan limits. Mortgage must be in first lien position. First adjusted interest rate cap 2.00%, Subsequent adjusted interest rate cap 2.00%, rate adjustment frequency of 12 months. Fees Apply.
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Over Draft Protection (Ready Cash)
| Term Months | Interest | APR* (Annual Percentage Rate) |
|---|---|---|
| N/A | as low as | 12.74% |
Overdraft protection is available, up to six (6) times per month at $3.00 each due to ACH, ATM or drafts. All transfers will be in exact amounts needed. After 6 transfers the item may be returned and a NSF fee of up to $35.00 may be assessed. For all savings, clubs, and money market account types, there is a $2.00 Excessive Withdrawal Fee charged for each transfer or withdrawal made from a North Jersey FCU savings, clubs, and money market accounts beyond the six (6) allowed monthly by the Federal Reserve. Withdrawals or transfers made in person, by mail, by using an ATM, or telephone (if a check is payable to and mailed to the depositor for a withdrawal done via phone) do not count toward the six-per-month limit.
Other Overdraft Options Available
Overdraft Protection – If funds are available in your share account, NJFCU will automatically transfer the amount needed to cover the check. Transfers will not be made that would result in bringing your share account balance below the $5.00 minimum required balance. Regulations limit the number of transfers allowed per calendar month.
To enroll in any of our overdraft protection programs,
call us at 973-785-9200 or stop by any of our convenient branch locations and speak to one of our Member Service Representatives.