Platinum Overdraft Opt-In

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Benefits of Platinum Overdraft Debit Coverage

Platinum Overdraft Services Consent Form - One-Time Debit Card Transactions

EECU Checking accounts come with a great feature called Platinum Overdraft Debit.* This enhanced level of overdraft protection may allow certain debit card transactions to be paid, at our discretion, even if you don't have the money available in your account at that time to cover the amount of the purchase.

The benefits to you are:

  • Protection - if you make an error in your checkbook or forget to make a deposit, we may approve your debit card transaction even if you don't have the funds available in your account
  • Peace of Mind - if you have an emergency, your debit card transaction may be covered even if you don't have enough money available in your account
  • Security - we may cover your unplanned debit card transactions, like a car repair or tow truck service call

Here's an example of how Platinum Overdraft Debit coverage may benefit you: Your car breaks down and you use your debit card to pay for the emergency repair. You don't have enough funds available in your account to cover the transaction. Instead of declining the transaction, EECU's Platinum Overdraft Debit service may pay it anyway and you'll pay only the non-sufficient funds fee. You're back on the road in no time!

There are so many benefits to your EECU Checking Account, and Platinum Overdraft Debit coverage is one more. If you want this service for your everyday debit card transactions let us know by completing the Platinum Overdraft Opt-In Form (link above). Or, you can call our Member Service Center to let us know you want to "Opt-In".


* Platinum Overdraft Debit is a discretionary service which means that we do not guarantee overdrafts will always be authorized and paid.  There is a fee of $24 each time we pay an overdraft, with a daily maximum of four fees ($96) for overdrawing your account with your debit card.  If the overdraft amount is less than $5 we will not charge an overdraft fee. The expectation is that you will return your checking account to a positive balance immediately.  We will transfer funds from your lower-cost overdraft options (savings or overdraft protection loan) before using Platinum Overdraft Debit. 

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