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Overdraft Line of Credit

Protect your checking accounts
and cover additional expenses 

What is an overdraft?

An overdraft occurs any time your checking or savings account shows a negative balance.

Overdraft Line of Credit

An overdraft line of credit is a form of a loan. The advantage
is that this loan is attached to your checking account. If you run out of money and you’ve been approved for this type of product, the line of credit can cover expenses so that you
don’t miss payments, bounce checks, or have your debit
card transactions denied.

A more flexible spending protection

Benefits of an Overdraft Line of Credit:

  • Immediate access to emergency funds for when you need it
  • Low monthly payments
  • No annual fee
*Fixed rate adhering to the applicant’s credit score.  

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 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
National Credit Union Administration NCUA

NCUA National Credit Union Administration

Credit unions belong to the National Credit Union Administration, so your investment receives federal insurance protection up to $250,000.


Click “Apply Today” to start!

Apply for a loan, get a decision,
become a North Jersey FCU Member.

Call 973-785-9200 | email: [email protected]

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