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Life happens! When unexpected overdrafts occur, our Overdraft Services can help.
An overdraft occurs when the credit union pays an item presented for payment against your account even when funds are not available. We offer three options to help ensure that important expenses clear your account with our Overdraft Services.
We offer Overdraft Protection and two Overdraft Coverage options that allow items to be paid from your account if funds are not available.
Overdraft Protection | Standard Overdraft Coverage | Debit Card Overdraft Coverage | |
Debit transactions covered | ✔ | - | ✔ |
ATM withdrawals covered | ✔ | - | ✔ |
On-us checks cashed at our teller windows | ✔ | ✔ | ✔ |
Checks and ACH transactions covered | ✔ | ✔ | ✔ |
Automatic bill payments covered | ✔ | ✔ | ✔ |
Fees | $0 to transfer. Interest on your line of credit. | $30 per paid transaction.1 Max four ($120) per day. | $30 per paid transaction.1 Max four ($120) per day. |
1Per paid transaction means each time Desert Financial pays a transaction for you where the amount exceeds your available balance.
Link another Desert Financial account and/or a line of credit to your checking account to cover transactions.
Enjoy the security of this on its own or combine it with Standard Overdraft Coverage or Debit Card Overdraft Coverage.
This is applied to your account automatically after 30 days of being open unless you opt out.
Enjoy the security of this on its own or combine it with Overdraft Protection.
Optional service that covers everything Standard Overdraft Coverage does, plus ATM withdrawals and debit card transactions.
Enjoy the security of this on its own or combine it with Overdraft Protection.
You may choose to opt out of Overdraft Coverage any time through Online Banking, calling (602) 433-7000 or visiting a branch. Without Overdraft Coverage, transactions presented for payment against an account with an insufficient available balance will be returned as unpaid to the payee or declined at the point of purchase, unless you have Overdraft Protection available to cover the item(s). You will be responsible for any fee the payee may charge.
Good account management is the best way to avoid overdrawing your account and being charged overdraft fees. Download our mobile app to access your account anytime, anywhere.
You can download our brochure to learn more.
