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Overdraft Protection

Overdraft Protection & Courtesy Pay

North Jersey FCU overdraft services are another great way we help you bank better. Overdraft Protection and Courtesy Pay 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

Use another checking account, 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.

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.

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 for the convenience of knowing your transaction is covered. 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.

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