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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.

Overdraft Protection adds peace of mind to your account.

North Jersey Federal Credit Union overdraft services are another great way we help you bank better.

Use your Savings, or a Money Market Account as your first line of defense to ensure your transactions are covered. You are authorized to make up to six transfers each month to ensure you have funds to cover your debit card, ACH, checks and other Checking Account transactions. See our Consumer Fee Schedule.

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.

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.

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 $50.00 minimum required balance. Regulations limit the number of transfers allowed per calendar month.

Put Your Mind at Ease with an Overdraft Protection Line of Credit

Overdraft Protection Line of Credit

By applying for a Overdraft Protection Line of Credit, you can ensure another convenient avenue for protecting yourself from the possibility of making transactions with insufficient funds. Use up to $7,500* no-collateral line of credit to cover your transactions if you do not have funds in your checking account.

  • Credit Limits Range from $500.00 to $7,500.00 and are based on your credit history*
  • Available with either of our checking account products: Basic, or Cashback Checking 
  • Available for North Jersey Federal Credit Union Mastercard Debit card transactions
  • Interest is charged on the unpaid balance
  • No cost to keep the line open if you don’t use it

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.

*amount depends on creditworthiness

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>In observance of Independence
Day, All NJFCU branches will be
Closed Monday July 4th, 2022.
We will resume normal business
hours, Tuesday July 5th, 2022.

Please visit our website, mobile
and app, or one of our convenient
ATM locations to access your
account. Thank you.